Car Insurance in San Francisco, CA

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Mercury Car Insurance in San Francisco

Driving in San Francisco presents unique challenges, from navigating the winding roads of Twin Peaks to finding parking in the bustling Mission District. Mercury understands the unique needs of San Francisco drivers and offers tailored auto insurance solutions to keep you protected in every corner of the city.

Why Choose Mercury?

Affordable rates: San Francisco can be an expensive city, but with Mercury, you’ll find cheap auto insurance rates that fit your budget.
Exceptional customer service: Our local agents are familiar with the city’s specific needs and are ready to provide personalized support.
24/7 claims process: Whenever you face the unexpected, we’re here to assist you. File a claim online or over the phone any time of day, and we’ll help you get back on the road as quickly as possible.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in San Francisco?

Yes, auto insurance is mandatory in San Francisco, just like the rest of California. State law requires you to carry the minimum amount of liability insurance to provide financial protection in case you’re involved in an accident.

Legal Requirements to Drive in San Francisco

According to the California Department of Motor Vehicles, the minimum liability insurance requirements in California are:

$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.

These coverages provide basic financial protection in the event of an accident, but you may want to consider additional coverages for more comprehensive protection.

Optional Coverages in San Francisco

While the minimum requirements help you stay compliant, additional coverages can provide extra peace of mind and protection:

Comprehensive coverage: Covers non-collision-related incidents like theft, vandalism, or natural disasters, which can be particularly useful in an urban environment like San Francisco.
Collision coverage: Pays for damage to your car from collisions, whether it’s a fender bender on Lombard Street or an accident on the Golden Gate Bridge.
Uninsured/underinsured motorist coverage: Protects you if you're involved in an accident with a driver who has no insurance or insufficient coverage.
Medical payments coverage: Helps cover medical expenses for you and your passengers, regardless of who’s at fault in an accident.

What Does San Francisco Auto Insurance Not Cover?

While auto insurance provides essential protection, there are certain situations and damages that your standard policy typically doesn’t cover. Here’s a quick overview of what’s usually excluded from auto insurance coverage:

Regular wear and tear: Insurance doesn’t cover routine maintenance or the normal wear and tear on your vehicle. This includes things like oil changes, tire replacements, and brake pads.
Mechanical failures: Standard policies don’t cover mechanical or electrical breakdowns unless they’re a direct result of a covered incident, like a collision.
Personal belongings: Items stolen from your car, such as laptops, phones, or other personal belongings, are typically not covered under auto insurance. You may need renters or homeowners insurance for this coverage.
Business use: Standard policies usually don’t cover damages if you use your vehicle for business purposes, such as delivering goods or services. You may need a business auto insurance policy.
Racing: Auto insurance policies generally don’t cover damages or injuries that occur while racing or other reckless driving activities.

Get Cheap Auto Insurance in San Antonio from Mercury

Finding affordable auto insurance in San Francisco is easier with Mercury. Our competitive rates and extensive discounts ensure you get the coverage you need without breaking the bank.

Save More with Discounts

Mercury offers various discounts to help you save on your auto insurance. By taking advantage of these discounts, you can enjoy high-quality coverage at a lower cost. Some of the discounts available include:

Good driver discount: If you have a clean driving record, you can qualify for significant savings.
Multi-car discount: Insure more than one vehicle with Mercury and save on your premiums.
Good student discount: Students with good grades can receive discounts on their auto insurance.
Anti-theft feature discount: If your car is equipped with anti-theft devices, you may be eligible for additional savings.

Contact your local agent today to learn more about our discounts and determine your eligibility.

Bundling with Mercury

You can save even more by bundling your auto insurance with home or renters insurance. Bundling your policies with Mercury not only saves you money but also simplifies your insurance management, giving you peace of mind and convenience.

San Francisco home insurance: Our comprehensive home insurance protects your home and belongings from covered losses such as theft, vandalism, natural disasters, fire, and more.
San Francisco renters insurance: Whether you live in a cozy apartment in Nob Hill or a trendy loft in SoMa, our renters insurance can help safeguard your belongings, provide liability protection, and offer additional living expenses.

San Francisco Car Insurance FAQ

What is the best car insurance in San Francisco?

If you’re looking for some of the best car insurance in San Francisco, Mercury stands out with competitive rates, extensive discounts, and personalized support tailored to your needs. Contact us today for a fast, free quote.

Is car insurance high in San Francisco?

According to the Zebra, San Francisco drivers pay an average of $1,148 per six months, which is higher than the state average ($964) and national average ($742).

How do I get around expensive insurance?

To get around expensive insurance in San Francisco, consider the following tips:

Shop around: Compare quotes from different insurers to find the best rates.
Take advantage of discounts: Look for discounts for good driving records, multiple policies, safety features, and more.
Adjust your coverage: Review your coverage options and choose higher deductibles or remove unnecessary coverages to lower your premiums.
Improve your credit score: A better credit score can lead to lower insurance rates.

What percentage of Californians don't have car insurance?

According to the Zebra, 16.6% of California motorists are completely uninsured.

Why did my car insurance go up in 2024 in California?

Numerous factors could have increased your car insurance, including inflation, increased accidents or claims in your area, and personal factors such as changes in your driving record, credit score, or claims history. Additionally, adjustments in coverage options or new state regulations could also contribute to higher premiums. Understanding these elements can help you identify ways to mitigate these increases and find more affordable options.

What products does Mercury offer in San Francisco?

Mercury offers the following products to San Francisco residents: