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san francisco car insurance

Whether it's the architectural triumphs of Coit Tower and the Golden Gate Bridge, the natural beauty of Twin Peaks and Golden Gate Park, or the countless other cultural and culinary delights that the City by the Bay has to offer, San Franciscans have plenty of reasons to adore the place they call home.

Driving in the city, on the other hand, can be an entirely different (i.e. rage-inducing) story. Here at Esurance, though, we create innovative online technology to smarten up the insurance process and help make getting SF car insurance quotes quick, easy, and tailored to you.

san francisco car insurance discounts

We really wish we could give Bay Area residents a car insurance discount simply for the awesomeness that is the Golden Gate Bridge. But since we can't, we offer a handful of other money-savers, including:

  • Good Driver discount
  • Multi-Car discount
  • Anti-Theft discount
  • Mature Driver discount

Discounts may vary. If you already have a San Francisco car insurance policy with Esurance and have any questions or concerns, always feel free to give us a call at 1-800-ESURANCE (1-800-378-7262).

auto insurance coverages in san francisco

Required coverages

All California drivers are required to carry at least the following minimum liability insurance limits:

  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident
  • $5,000 of property damage liability per incident

And remember, when you get a quote from Esurance, our very own CoverageMyWay® will help you prioritize coverage options based on the info you provide, enabling you to make smarter choices when it comes to your protection.

Optional coverages

Walk outside this morning to find your ride's side swept by the street sweeper? These additional coverages in San Francisco offer extra financial protection against covered incidents so the repair costs don't come out of your pocket. Here's a sampling:

  • Collision
  • Comprehensive
  • Towing and labor
  • Uninsured motorist bodily injury

For even more coverage options and general information about auto insurance in the Golden State, check out the full range of coverages available in California.

e-star® repair shops

Any Esurance policyholder (or any driver involved in an accident with one) can take their car to our network of body shops and receive guaranteed repairs. You'll also gain access to our innovative RepairView® technology, which lets you track and view your vehicle's progress while it's being fixed up.

Here are just a few of our E-Star shops in the Bay Area.

German Motors Collision Center
1140 Harrison St.
Phone: 415-551-2639

F. Lofrano & Son
1355 Fulton St.
Phone: 415-865-8460

Chilton Auto Body
166 Wisconsin St.
Phone: 415-861-0921

Alioto's Garage, Inc.
1835 Folsom St.
Phone: 415-864-3022

Chilton Auto Body
1419 Pacific Ave.
Phone: 510-836-2190

Daland Body shop
890 El Camino Real
Phone: 650-588-1764

Don't see a listing near you? No worries — we network (almost) as well as your city's residents. Find the closest E-Star repair shop to you.

driving in the city by the bay

Traffic is (almost) the worst

San Francisco has the third-worst traffic congestion in the country — beat only by Honolulu and the traffic jam mecca of the continental U.S., Los Angeles.

In 2011, that added up to 6 "rush" hours every day, 61 hours of delay per commuter, and about $1,266 in annual congestion costs per motorist, according to the Texas Transportation Institute.

Keep an eye out for pedestrians

In 2013 alone, 21 pedestrians were struck and killed while traversing the streets of San Francisco. In a city where about 3 people per day are hit by a moving vehicle, that's still the highest number of pedestrian deaths since 2007.

SF streets could use some work

OK, maybe a lot of work. According to TRIP, which campaigns to improve traffic conditions nationwide, 60 percent of the San Francisco urban area's roads are in poor condition — costing motorists nearly $800 extra per year in extra maintenance, more frequent tire replacement, and faster depreciation.

San Francisco Traffic Offender Program (STOP)

The STOP Unit, composed of 10 motorcycle officers, targets unregistered vehicles and unlicensed drivers by completing daily enforcement stops and monthly traffic safety operations. Fewer offenders on the streets means a safer experience (and could even reduce car insurance premiums!) for everyone.

Related links

Texting and driving
Not only is it illegal to text while driving in California, but it poses a major safety hazard too. Get stats and facts on this dangerous habit.

Auto insurance in Los Angeles
Get ready to throw some extra fries in that burrito, because Esurance aims to save Los Angeles residents some cash on car insurance.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.