Quotes
Already insured?

Car insurance requirements and laws in San Francisco

When getting car insurance quotes in San Francisco you have to bear in mind that there are certain requirements for the minimum amount of coverage and the types of coverage to be carried by the policy for it to be considered valid. The requirements and laws in San Francisco are virtually the same as in the state of California, although there are specific programs and local peculiarities that add a certain local flavor to all car insurance quotes in San Francisco.

First of all, there are more than 400,000 vehicles registered in San Francisco and at least 35,000 additional cars come to the city in the form of commuters on a weekly basis. Sure, that's not as much as in Los Angeles, but that's definitely a lot of cars and you will have to take this into account when looking for car insurance quotes in San Francisco. A large number of cars implies that the average quotes will be higher if compared to less traffic intense areas in other parts of California, so be on a lookout for that.

The minimum requirements for car insurance policies in San Francisco are the same as in the entire state of California:

At least $15,000 of injury coverage for a single person
At least $30,000 of injury coverage for a single accident
At least $5,000 of property coverage for a single accident

As you see, the minimum requirements are rather mild and include only third party liability coverage, so it's generally easy to get affordable insurance in San Francisco. But there are additional programs that can make it a lot easier for certain groups of car owners. The California Low Cost Automobile Insurance Program offers households that do not exceed a certain level of annual income to get car insurance at more affordable rates and all insurance providers make part of this program.

In general, a valid car insurance policy is only one way to be able to operate a vehicle legally in the state of California. The state law requires car owners to provide proof of financial abilities to handle disputable situations in case of an accident, and there are three more methods to do so besides having an insurance policy. The car owner can deposit at least $35,000 with the California Department of Motor Vehicles; he or she can address the same department and get a certificate of self-insurance; or get a surety bond with a value of at least $35,000 from a local insurance company. Needless to say, car insurance is the optimal solution both in terms of cost and convenience, that's why the vast majority of drivers choose this specific option.

All of the major insurance providers offer their car insurance quotes in San Francisco, so you won't have any problem shopping around with both top and average providers. The average premiums for San Francisco climb up to about $1,500 but this figure is subject to considerable fluctuation depending on the vehicle, driver's age, amount of coverage and other factors that affect insurance quotes. So it's not a problem to find adequate and really affordable car insurance quotes in San Francisco.

Finding Cheap Car Insurance Quotes in San Francisco, CA

Jul 17, 2013

Living in San Francisco is expensive enough without paying too much for your car insurance quotes. This article can help you find the cheapest car insurance quotes in San Francisco, California.

More

Car Insurance Quotes in San Francisco, CA for Car Rentals

Jul 23, 2013

Being a major tourist area, San Francisco has its share of car rentals. There are a lot of misconceptions about rental insurance, and not understanding whether or not you're covered can leave you in a dangerous position in an accident.

More

Discounts on Car Insurance Quotes in San Francisco, California are Going Unclaimed

Jul 30, 2013

Car insurance quotes in San Francisco, CA can be expensive, however they are a necessary part of driving. Unfortunately, many people are missing out on discounts they are eligible for, simply because they do not know to ask.

More

How to get lower car insurance quotes in San Francisco

Aug 19, 2013

Car insurance quotes in San Francisco can be rather affordable if you take some measures to reduce them. Learn more about how to get cheap car insurance quotes in San Francisco.

More

Car insurance requirements and laws in San Francisco

Aug 29, 2013

Car insurance quotes in San Francisco are all subject to local laws and requirements. Learn about the local legal framework before you get and compare car insurance quotes in San Francisco.

More

CA are Pain Free Under the State's Low-Income Program

Sep 08, 2013

Car insurance is a necessity, but can be hard for some families to afford. This is especially true since there is no end in site to the payments. Car insurance quotes in San Francisco, CA can be found under the state's assistance program, which can help ease this burden.

More

Car Insurance Quotes in San Francisco, CA May Someday be Based on Telematics

Sep 16, 2013

Telematic, or black box, insurance policies are rare but slowly gaining traction. Car insurance quotes in San Francisco, CA are moving towards telematics, and this is great news for those wanting to save money.

More