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The 20 Best Car Insurance in San Francisco

Looking for the best car insurance in San Francisco can be overwhelming with so many options to choose from. Whether you're a new driver or a long-time resident, finding the right coverage that fits your needs and budget is important.

With so many factors to consider, such as coverage options, rates, and customer service, it can be difficult to know where to start. That's why it's important to compare different insurance providers to find the best fit for you.

With the help of this list of the 20 Best Car Insurance in San Francisco, you can easily compare different providers and find the perfect coverage for your vehicle.

How we chose and ordered them

To put together this guide to car insurance in San Francisco, we looked at what each business really focuses on, how its customers rate it over time and what it shows about its work on its own channels. The order is ours and we review it regularly.

Some businesses pay for a fuller profile or a featured position. It is only open to those that have already passed our selection, and it is always marked.

Top 3All optionsMapWhat to look for

Quick overview

Our top picks

Choose a business to go straight to its entry.

#1
Tiffany Won
5.0292 reviews
#2
Zurich Simon
5.0178 reviews
#3
Ben Carr
5.0157 reviews

All options

Weigh 20 local options side by side

Tiffany Won, San Francisco#1
What it does well

  • Personalized, caring service from Tiffany Won and team

  • Effortless claim-filing process with quick responses

  • Knowledgeable and accommodating staff, like Erika and Courtney

  • Top-notch customer service and support, especially when dealing with complex claims

Tiffany Won

5.0292 reviews
1250 Missouri St UNIT 305, San Francisco, CA 94107, United States

Tiffany Won is a reputable insurance agency located in San Francisco, CA. They offer a variety of services to meet their customers' needs. Some of the standout features of this business include online appointments and on-site services. Additionally, they provide language assistance and have a wheelchair-accessible entrance for those with accessibility needs.

With a perfect rating of 5.0 stars, it's clear that customers have had exceptional experiences with Tiffany Won. Here are a few key points summarizing their customer reviews:

If you're in search of reliable insurance coverage with exceptional customer service, Tiffany Won comes highly recommended by satisfied customers.

Zurich Simon, San Francisco#2
What it does well

  • Professional and knowledgeable agents

  • Great client service experience

  • Quick and easy process for insurance needs

  • Prompt and responsive customer service

Zurich Simon

5.0178 reviews
1745 O'Farrell St, San Francisco, CA 94115, United States

Zurich Simon is a top-rated insurance agency located in San Francisco, CA. They offer online appointments and on-site services to ensure a seamless experience for their clients. The business is proud to be a transgender safe space and promotes accessibility with a wheelchair-accessible entrance and seating.

Customers rave about the exceptional service provided by Zurich Simon. Here are some key points from their reviews:

Ben Carr, San Francisco#3
What it does well

  • Ben Carr is incredibly knowledgeable, patient, and provides personalized attention.

  • The team is proactive, communicative, and genuinely cares about their customers.

  • Ben Carr and his staff are professional, friendly, and go above and beyond to ensure customers are well taken care of.

Ben Carr

5.0157 reviews
3361 20th St, San Francisco, CA 94110, United States

Ben Carr is a top-rated insurance agency located in San Francisco, CA. They offer a range of service options, including online appointments and on-site services. The business is wheelchair-accessible and provides gender-neutral toilets, creating a welcoming environment for all customers.

Customers have left glowing reviews for Ben Carr and his team.

With a perfect rating of 5.0 stars, Ben Carr is highly recommended by satisfied customers. Whether you need home, auto, or any other type of insurance, you can trust Ben Carr and his team to provide exceptional service and expert advice.

Dave and Jake Stewart - State Farm Insurance Agent, San Francisco#4
What it does well

  • I spoke with JP from a well-established State Farm agency, and he went above and beyond to answer all my questions and concerns. Despite the numerous queries I had, he remained exceptionally professional and thorough in addressing each one. I was truly impressed with his customer service and highly recommend this agency.

  • Jake and the State Farm team have been wonderful to work with for 9+ years. The team is very prompt, provide quality insurance products at competitive prices, and are willing to go the extra mile to ensure our family’s needs are met without overselling policies that aren’t necessary.

  • At State Farm Insurances, Agents, Jake Stewart & Maribel Palma really understood my situation and needs. They treated me like a loving family member would and were able to assist and help me with everything I was looking for. Thank you so much! … These guys are awesome!

  • I have never felt the need to make a google review, but I must say, I was in the market for insurance, evaluating a few options, Dave & Jake's team helped me at every step of the process without bias. Ultimately Kelly with their team helped me find the policy that both made sense from a budget perspective but also a coverage perspective, more than Liberty Mutual or any other competitor I talked to. I would not look anywhere else when shopping for insurance!!!

Dave and Jake Stewart - State Farm Insurance Agent

4.9528 reviews
490 Post St Suite 1606, San Francisco, CA 94102, United States

Dave and Jake Stewart - State Farm Insurance Agent is a reliable insurance agency located in San Francisco. They offer a variety of service options and are committed to providing excellent customer service. Clients have praised the agency for their professionalism, thoroughness, and willingness to go the extra mile. Here are some key points from customer reviews:

Customers appreciate the exceptional service they receive at Dave and Jake Stewart - State Farm Insurance Agent and highly recommend them for all insurance needs.

Joe Freund, San Francisco#5
What it does well

  • Customers rave about the knowledgeable and helpful agents at Joe Freund.

  • Many clients appreciate the personalized attention they receive and the ease of the insurance process.

  • The agency is known for its competitive rates and comprehensive coverage options.

Joe Freund

5.0123 reviews
1732 Divisadero St, San Francisco, CA 94115, United States

Joe Freund is a well-established insurance agency located in San Francisco, CA. They offer a variety of services to meet their clients' insurance needs. The agency prides itself on providing top-notch customer service that is both professional and friendly.

With a top rating of 5.0 stars, it's clear that Joe Freund is a go-to choice for insurance needs in the San Francisco area. Customers trust the experienced agents to provide them with the best policies to protect their assets and loved ones.

Ed Hidalgo, San Francisco#6
What it does well

  • Knowledgeable, patient, and efficient service

  • Helpful in explaining insurance details clearly

  • Assisted in saving money on insurance policies

  • Professional, friendly, and courteous staff

Ed Hidalgo

5.0106 reviews
4201 California St, San Francisco, CA 94118, United States

Ed Hidalgo is a renowned insurance agency located in San Francisco, CA. They offer a wide range of services, including life insurance, auto insurance, and home insurance. With a stellar rating of 5.0, this agency is known for their exceptional customer service and expertise in the insurance field.

Here are some key points from customer reviews:

Whether you need help with setting up a new policy or reviewing existing coverage, the team at Ed Hidalgo is dedicated to providing top-notch service to all their clients. Give them a call or visit their website to learn more about how they can assist you with your insurance needs.

Francisco Verdin, San Francisco#7
What it does well

  • Staff is friendly and helpful, providing quick service.

  • Great communication and patience from Francisco while assisting with insurance needs.

  • Highly recommended for excellent customer service and thorough explanations.

  • Professional, knowledgeable, and friendly service with prompt assistance.

Francisco Verdin

5.098 reviews
2300 16th St Ste 280, San Francisco, CA 94103, United States

Francisco Verdin is a top-rated insurance agency located in San Francisco, CA. They offer Online appointments and On-site services to ensure convenience for their clients. The office is also wheelchair-accessible, providing Accessibility for all. With a perfect rating of 5.0, it's no surprise that customers have left glowing reviews. Some key points from their reviews include:

Curtis Lee - State Farm Insurance Agent, San Francisco#8
What it does well

  • Customers appreciate the quick and efficient service provided by Curtis Lee and his team, always delivered with a smile.

  • The agents at Curtis Lee's office are described as warm, helpful, and providing excellent customer service.

  • The staff is highly responsive, friendly, and goes above and beyond to assist clients with their insurance needs.

  • Ginger, Constance, Stanley, and Paul are highlighted as particularly great agents to work with and are praised for their professionalism and responsiveness.

Curtis Lee - State Farm Insurance Agent

4.990 reviews
648 Stanyan St, San Francisco, CA 94117, United States

Curtis Lee - State Farm Insurance Agent: Curtis Lee's State Farm Insurance Agent is a well-known insurance agency located in San Francisco, CA. The office provides top-notch services for all insurance needs, including automobile, homeowners, and life insurance. The team at Curtis Lee's State Farm office has received glowing reviews from numerous satisfied customers.

With a rating of 4.9 out of 5, Curtis Lee's State Farm Insurance Agent is recognized for its commitment to customer satisfaction and quality service. Visit their website for more information!

John A Morton Insurance Agency, San Francisco#9
What it does well

  • Professional and quick service providing reassurance to customers.

  • Highly recommended for being friendly, trustworthy, and hardworking.

  • Outstanding professionalism and quality service experienced by long-time customers.

  • Excellent customer service, insightful advice, and affordable pricing.

John A Morton Insurance Agency

4.978 reviews
3366 22nd St, San Francisco, CA 94110, United States

John A Morton Insurance Agency is a reputable auto insurance agency located in San Francisco, CA. The agency offers online appointments and on-site services to meet their customer's needs efficiently.

With a remarkable rating of 4.9 stars based on 78 reviews, customers have shared their positive experiences:

The glowing reviews highlight the dedication and exceptional service provided by John A Morton Insurance Agency. From assisting with driver's licenses to offering quick and reliable insurance solutions, customers trust and recommend the agency for all their auto insurance needs.

Gabi Insurance, San Francisco#10
What it does well

  • Customers appreciate the ease of getting insurance quotes through Gabi's platform.

  • Many clients highlight the competitive rates and savings they found by using Gabi Insurance.

  • Some customers mention the excellent customer service provided by the team at Gabi Insurance.

Gabi Insurance

4.71,749 reviews
512 2nd St, San Francisco, CA 94107, United States

Gabi Insurance is a top-notch insurance agency located in San Francisco, CA. They provide a wide range of insurance services, including auto, home, and more. Customers have rated Gabi Insurance with an impressive 4.7 stars, based on 1749 reviews.

If you are looking for reliable insurance services with great savings and outstanding customer service, Gabi Insurance is the place to go!

Phil Bertetta, San Francisco#11
What it does well

  • The staff, particularly Stephanie and Dian, are incredibly helpful and always willing to explain details and offer sound advice.

  • Clients appreciate the warm and friendly atmosphere, feeling like they are known personally by everyone in the office.

  • The attention to detail and proactive communication from the team ensure that clients are always up to date on their insurance needs.

  • The agency goes above and beyond to explore all available discounts and policy options to provide the best coverage at affordable rates.

Phil Bertetta

4.974 reviews
3524 Geary Blvd, San Francisco, CA 94118, United States

Phil Bertetta is a renowned insurance agency located in San Francisco, CA. With a stellar rating of 4.9, they are known for their exceptional customer service and extensive range of insurance products.

Customers rave about the personalized attention and care they receive at this office. Here are some key points from customer reviews:

If you are looking for a trustworthy and reliable insurance partner in San Francisco, Phil Bertetta comes highly recommended by their loyal clientele.

Alan Chan, San Francisco#12
What it does well

  • Customers praise the exceptional service and care provided by Alan and his team, especially during challenging times like car accidents and home burglaries.

  • Tracy, a team member at the office, is highlighted for her patience and expertise in helping clients review their coverage options and determine the best plan for their needs.

  • The office is commended for its honesty and genuine interest in clients, ensuring they do not oversell coverage and provide valuable insights.

Alan Chan

4.965 reviews
1820 Van Ness Ave, San Francisco, CA 94109, United States

Alan Chan is a reputable insurance agency located in San Francisco. Known for their exceptional service and attention to detail, the team at Alan Chan's office has helped numerous clients navigate various milestones in life, including marriage, children, entrepreneurship, and home ownership.

With a rating of 4.9 based on 65 reviews, Alan Chan continues to stand out for its commitment to customer satisfaction and personalized service. If you are looking for an insurance agency that goes above and beyond for its clients, Alan Chan's office is highly recommended.

Kajal Pashmi, San Francisco#13
What it does well

  • Impressed by personalized and responsive service

  • Fast and knowledgeable responses

  • Professional, personable, and efficient team

  • Highly recommended for complex insurance needs

Kajal Pashmi

4.948 reviews

Open 24 hours

3138 Geary Blvd, San Francisco, CA 94118, United States

Kajal Pashmi is a reputable insurance agency located in San Francisco, CA. The business offers a wide range of insurance services for both personal and commercial needs. Customers have given the agency a high rating of 4.9 out of 5 stars based on 48 reviews.

Customers rave about the team's dedication to understanding their specific insurance needs and providing tailored coverage options. Whether it's questions, concerns, or making complex changes, the team at Kajal Pashmi is praised for being responsive, patient, kind, and detail-oriented. The business goes above and beyond to provide attentive, honest, and personalized service, making it a top choice for insurance in the area.

David Chacon - State Farm Insurance Agent, San Francisco#14
What it does well

  • Excellence in professionalism and customer service

  • Knowledgeable and personalized service from the office manager

  • Prompt communication and assistance in finding the best coverage

  • Reliable and caring treatment that makes clients feel like family

David Chacon - State Farm Insurance Agent

4.881 reviews
3425 25th St, San Francisco, CA 94110, United States

David Chacon - State Farm Insurance Agent is a reputable insurance agency located in San Francisco, CA. Their services include online appointments and on-site services, making it convenient for customers to handle their insurance needs. The business is known for being Latino-owned and LGBTQ+ friendly, creating a welcoming atmosphere for all clients.

With a remarkable rating of 4.8 stars based on 81 reviews, customers have shared their positive experiences with the agency. Some key points from the reviews include:

The team at David Chacon - State Farm Insurance Agent is dedicated to providing top-notch service and ensuring that every client's insurance needs are met with integrity and care.

Winky Wong, San Francisco#15
What it does well

  • Customers appreciate the excellent service provided by the staff, with agents like Joel Mercado going above and beyond to address all inquiries.

  • The team at Winky Wong is described as intelligent, thorough, responsive, and friendly, making interactions with them a seamless and pleasant experience.

  • Clients value the reliability and great communications from the team, making them feel confident in their choice of insurance provider.

  • Winky Wong and her associates are commended for their helpful and responsive approach, ensuring that customers feel supported and taken care of.

Winky Wong

4.799 reviews
380 W Portal Ave Ste D, San Francisco, CA 94127, United States

Winky Wong is a leading insurance agency in San Francisco, offering a range of services to meet the diverse needs of their customers. With a rating of 4.7 based on 99 reviews, it's clear that they prioritize customer satisfaction above all else.

With service options such as online appointments and on-site services, as well as accessibility features like a wheelchair-accessible entrance, Winky Wong goes above and beyond to cater to the needs of all their clients. Visit their website or give them a call at +1 415-681-6810 to learn more about how they can assist you with your insurance needs.

Jing Lee, San Francisco#16
What it does well

  • Customers rave about Jing's excellent communication skills and availability, making them feel secure and well taken care of.

  • The team is praised for always being responsive, friendly, and providing top-notch service, going above and beyond to assist with any questions or concerns.

  • Jing Lee's agency stands out for its reliability, transparency, and commitment to finding the best insurance solutions tailored to individual needs.

  • Clients appreciate the personal touch, receiving thoughtful gestures like birthday and holiday cards, showcasing the team's dedication and care.

Jing Lee

4.928 reviews
4444 Geary Blvd #300, San Francisco, CA 94118, United States

Jing Lee is an esteemed insurance agency located in San Francisco, offering a wide range of insurance services for home, auto, and business needs. Known for their exceptional customer service and reliability, Jing Lee and her team have garnered a stellar reputation in the community.

With a remarkable rating of 4.9 based on 28 reviews, it's evident that Jing Lee is a trusted and highly recommended choice for all insurance needs.

Mary Spellman, San Francisco#17
What it does well

  • Over 40 years of loyal service, exceptional customer service, knowledgeable and trustworthy agent.

  • Outstanding commitment to excellence, personal relationship building, and proactive solutions.

  • Effortless and helpful service, friendly and supportive staff, highly recommended.

  • Top-notch agent, on top of coverages, highly recommended for personalized service and attention.

Mary Spellman

4.829 reviews
318 W Portal Ave, San Francisco, CA 94127, United States

Mary Spellman is a reputable insurance agency located in San Francisco, CA. They offer a wide range of services to meet their clients' insurance needs. The agency provides online appointments and on-site services by appointment. Additionally, they have a wheelchair-accessible entrance for those with accessibility needs.

Customer reviews highlight the exceptional service provided by the staff at this agency.

With a high rating of 4.8 stars and positive customer feedback, Mary Spellman continues to provide exceptional insurance services in the San Francisco area.

David Chacon - State Farm Insurance Agent, San Francisco#18
What it does well

  • The personalized and thorough service provided by Genevieve, who helped navigate the insurance process seamlessly.

  • The excellent guidance and clear communication provided by the team, making customers feel secure and well-informed.

  • The exceptional customer service and responsiveness of the staff, ensuring that customers receive tailored coverage that meets their needs.

  • The hands-on assistance and support offered by the team, demonstrating a commitment to customer satisfaction.

David Chacon - State Farm Insurance Agent

4.825 reviews
188 S Park St Ste 4, San Francisco, CA 94107, United States

David Chacon - State Farm Insurance Agent is an established Insurance agency located in San Francisco, CA. With a rating of 4.8 and 25 reviews, they have built a reputation for providing high-quality services to their customers.

Customer reviews highlight the following key points:

If you are looking for a trustworthy insurance agent who values customer service and takes a personalized approach to meet your needs, David Chacon - State Farm Insurance Agent is the place to go. With a team of dedicated professionals ready to assist you, they strive to provide top-notch service and tailored coverage options to ensure your peace of mind.

Robert E. Kennedy Insurance Agency, San Francisco#19
What it does well

  • Robert Kennedy helped find suitable coverage for a condo building with excellent communication and efficiency.

  • A customer had a negative experience with another insurance company but praised Robert's professionalism and the appropriate coverage he provided.

  • Clients appreciate the quick response, tailored insurance packages, and excellent customer service offered by Robert Kennedy Agency.

Robert E. Kennedy Insurance Agency

4.825 reviews
2269 Chestnut St #301, San Francisco, CA 94123, United States

Robert E. Kennedy Insurance Agency is a reputable insurance agency located in San Francisco, CA, offering a range of insurance services. Customers have rated this agency 4.8 stars based on 25 reviews. Here are some key points from customer reviews:

The agency focuses on customer satisfaction and ensures that clients receive the best insurance policies tailored to their needs. With a strong emphasis on professionalism and efficiency, Robert E. Kennedy Insurance Agency stands out as a reliable choice for insurance services in San Francisco.

Auto Insurance Inc, San Francisco#20
What it does well

  • Personalized service tailored to individual needs

  • Competitive prices and extensive coverage options

  • Quick response time and efficient claim process

Auto Insurance Inc

4.25 reviews

Open 24 hours

2940 Geary Blvd, San Francisco, CA 94118, United States

Auto Insurance Inc is a top-notch auto insurance agency located in San Francisco, CA. Operating 24 hours every day, they are always ready to assist their customers with the best insurance solutions. With a commendable 4.2 rating from satisfied clients, it is clear that their service is exceptional.

Customers rave about the excellent service they received from the team at Auto Insurance Inc. One customer mentioned that working with Ivan brought their insurance costs down by half, while others praised the professionalism and efficiency of the team. Another customer highlighted the personalized approach and competitive prices offered by the agency. These glowing reviews are a testament to the outstanding service provided by Auto Insurance Inc.

Quick summary

A quick comparison of the options

#BusinessRatingReviews
#1Tiffany Won 5.0292
#2Zurich Simon 5.0178
#3Ben Carr 5.0157
#4Dave and Jake Stewart - State Farm Insurance Agent 4.9528
#5Joe Freund 5.0123
#6Ed Hidalgo 5.0106
#7Francisco Verdin 5.098
#8Curtis Lee - State Farm Insurance Agent 4.990
#9John A Morton Insurance Agency 4.978
#10Gabi Insurance 4.71,749
#11Phil Bertetta 4.974
#12Alan Chan 4.965
#13Kajal Pashmi 4.948
#14David Chacon - State Farm Insurance Agent 4.881
#15Winky Wong 4.799
#16Jing Lee 4.928
#17Mary Spellman 4.829
#18David Chacon - State Farm Insurance Agent 4.825
#19Robert E. Kennedy Insurance Agency 4.825
#20Auto Insurance Inc 4.25

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On the map

Map of Car Insurance in San Francisco

Looking for car insurance in San Francisco? Explore our comprehensive map to find the best auto insurance options in the city. Whether you're a new driver, a seasoned commuter, or just looking to switch providers, this map will guide you to the best car insurance companies in San Francisco. Save time and money by comparing rates and coverage easily.

How to pick Car Insurance in San Francisco

  1. Comprehensive coverage options.
  2. Affordable rates.
  3. Excellent customer service.
  4. Convenient locations.
  5. Discounts for safe drivers.

Common questions

What is Car Insurance and Why is it Important?

Car insurance is a contract between you and the insurance company that helps protect you against financial loss in case of an accident or theft. It provides coverage for property damage, liability, and medical expenses. Having car insurance is important because it is required by law in most states, including California, to protect yourself and others in case of an accident. Without car insurance, you could be responsible for paying out of pocket for damages, medical bills, and legal fees, which can be overwhelming and cause financial strain. By having car insurance, you can have peace of mind knowing that you are covered in case of unforeseen circumstances on the road.

What Factors Determine Car Insurance Rates in San Francisco?

Car insurance rates in San Francisco are influenced by several factors, including your driving record, age, type of vehicle, credit score, and the coverage options you choose. Insurance companies will also take into consideration the area where you live, as urban areas like San Francisco may have higher rates due to congestion and higher risk of accidents. Other factors such as the frequency of claims in your area, your annual mileage, and any previous insurance history can also impact your car insurance rates in San Francisco. It's important to shop around for quotes and compare different insurance companies to find the best coverage at an affordable price.

What Types of Car Insurance Coverage are Available in San Francisco?

There are several types of car insurance coverage available in San Francisco to protect you and your vehicle. Some of the most common types of coverage include: Liability insurance: Covers property damage and bodily injuries you may cause to others in an accident. Collision insurance: Covers damages to your vehicle in case of a collision with another vehicle or object. Comprehensive insurance: Covers damages from non-collision events such as theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage: Protects you in case you are in an accident with a driver who doesn't have insurance or enough coverage.

How Can I Save Money on Car Insurance in San Francisco?

If you're looking to save money on car insurance in San Francisco, there are several strategies you can use: Additionally, consider raising your deductible or reducing coverage on older vehicles to lower your premiums. It's important to review your policy regularly and make adjustments as needed to ensure you're getting the best coverage at the best price. Shop around for quotes from multiple insurance companies to compare prices and coverage options. Bundle your car insurance with other policies, such as homeowners or renters insurance, to receive a discount. Take advantage of discounts for safe driving habits, good student grades, or installing anti-theft devices in your vehicle.

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