It’s hard to avoid all the catchy commercials from companies like Farmers, State Farm, and Allstate that guarantee the cheapest price, so drivers should just choose any one of them, right?
Unfortunately, it’s just not that easy, as there are a whole slew of unknown aspects such as your age, the neighborhood you live in, if you have ever let your coverage lapse, and the miles you drive each year, that all factor into the price you pay. We will attempt to cover some of these factors and will hopefully give you a jump start in finding the best auto insurance in California.
Determining which companies have the lowest-priced car insurance rates for nurses will require a bit more effort than just getting one or two price quotes.
Each company has their own unique process for setting rates, so let’s examine the car insurance companies that tend to be cheaper in California. It’s important that you understand California car insurance rates are impacted by many things that can increase the price you pay. Simply getting older, having a teenage driver, or getting into an accident can cause premium changes that may make certain companies more affordable than before.
Best Insurance Companies for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,497 |
| 10 | Progressive | $1,512 |
| 11 | GEICO | $1,575 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,699 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $1,946 |
| Get Personalized Rates Go | ||
USAA offers some of the best car insurance rates in San Francisco at around $1,109 per year. Wawanesa, Century National, Nationwide, and CSAA also qualify as some of the cheaper San Francisco, CA car insurance companies.
As shown in the rates above, if you are currently insured with CSAA and switched to Wawanesa, you could realize an annual premium reduction of roughly $88. Policyholders with 21st Century may save as much as $192 a year, and Grange insureds might reduce rates by $287 a year.
If you would like to find cheaper car insurance rates, click here to begin a quote or quote prices from the following companies.
Bear in mind that those premium estimates are averaged for all types of drivers and the different vehicles they drive and and are not figured with an exact location for nurses. So the insurer that can offer you the lowest price may not even be in the list above. That point stresses why you need to get auto insurance quotes using your own driver and vehicle profiles.
The type of vehicle that is being insured is probably the most important factor that determines if you can find economical auto insurance for nurses. Vehicles with lots of speed or power, poor safety features, or a track record of large liability claims will cost much more to insure than safer, lower-performance models. The information below presents insurance premiums for a number of the most cost-effective automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,379 |
| Ford Escape Limited 4WD | $1,493 |
| Honda CR-V EX 2WD | $1,579 |
| Honda Odyssey EX W/Rear Entertainment | $1,597 |
| Chevrolet Equinox LS AWD | $1,627 |
| Toyota RAV4 4WD | $1,633 |
| Chevrolet Impala LT | $1,627 |
| Toyota Camry LE | $1,637 |
| Ford Explorer Eddie Bauer AWD | $1,658 |
| Hyundai Elantra GLS Touring Station Wagon | $1,685 |
| Toyota Corolla XLE | $1,709 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,741 |
| Toyota Prius | $1,746 |
| Chevrolet Silverado LT Regular Cab | $1,755 |
| Ford Edge SEL AWD | $1,832 |
| Toyota Camry Hybrid | $1,861 |
| Chevrolet Malibu Hybrid | $1,866 |
| Dodge Ram 3500 Mega Cab Laramie 2WD | $1,890 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,900 |
| Toyota Tacoma Double Cab 4WD | $1,901 |
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific location information which can influence insurance rates significantly.
Based on these rates, you can assume that makes and models like the Honda Accord, Ford Escape, and Honda CR-V will definitely be the most affordable vehicles to insure for health professionals.
For health professionals, one of the big things that are looked at to determine insurance cost is where your residence is. More populated areas tend to pay slightly more, whereas areas that tend to be more rural have the luxury of lower rates.
The table below rates the highest-priced places in California for nurses to buy an auto insurance policy in. San Francisco ranks #3 with an annual rate of $1,763 for car insurance, which is around $147 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,720 |
| 6 | Long Beach | $1,626 |
| 7 | Santa Clarita | $1,595 |
| 8 | San Bernardino | $1,580 |
| 9 | Stockton | $1,556 |
| 10 | Riverside | $1,527 |
| 11 | Garden Grove | $1,524 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,517 |
| 14 | Modesto | $1,502 |
| 15 | Moreno Valley | $1,491 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,402 |
| 19 | Bakersfield | $1,381 |
| 20 | San Jose | $1,381 |
| Get a Custom Quote Go | ||
Premium costs are estimated as the specific area where the vehicle is garaged can increase or decrease auto insurance rates substantially.
Choosing the best insurer is difficult considering how many different companies insure vehicles in California. The company information in the next section can help you choose which providers to look at when trying to find the cheapest insurance for nurses.
The ratings below are only made up of the largest companies in America, so smaller companies will not be included in this list. If you’d like to compare prices and find cheaper insurance for nurses, click this link.
Top 10 Large Auto Insurance Companies Overall in San Francisco
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Difference between full coverage and liability only rates
Reducing the cost of car insurance is probably important to the majority of drivers, and an effective way to find cheap insurance for nurses is to only pay for liability coverage. The chart below shows the comparison of insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in California. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are factored in.
If all age groups are averaged, physical damage coverage on your policy costs $2,501 per year over and above liability coverage. Many drivers will wonder if you should buy full coverage at all. There is no set guideline to exclude full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
Here’s why price comparisons are so important
San Francisco car insurance rates are impacted by many things which can substantially decrease or increase the policy premium. Improving your credit rating, increasing liability limits, or getting a few speeding tickets can trigger rate changes that can cause some rates to be cheaper than before. Additionally, insurance companies file new rates as often as every three months to adjust for heavy claims or excess profits. Significantly higher claims may cause more expensive premiums, while lower claim levels may cause cheaper San Francisco car insurance rates.
As an example, the bar chart below shows the cheapest car insurance in San Francisco, CA for a 40-year-old male driver with a clear driving record, no claims, and good financial standing. When comparing rates based on his personal profile, USAA might quote the most affordable car insurance rates in San Francisco at $1,477 a year. This is $174 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also included in the top five cheapest San Francisco, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first example an at-fault accident, less-than-perfect credit, and a few blemishes on his driving record. Due to the fact that every insurance company uses their own formula to set premium rates, comparing quotes may now show a different ranking of the cheapest San Francisco car insurance companies as shown below.
Grange now has the best auto insurance rate in San Francisco with Progressive, GEICO, Mercury, and Allstate completing the list. This example shows why California drivers need to spend some time comparing rates when trying to find the most budget-friendly car insurance quotes for nurses.
Prices are determined by many factors and change dramatically, so the cheapest rate the last time you checked may now be an over-priced policy.