The vehicle you are insuring is probably the biggest factor when trying to find economical insurance for active military. Vehicles with lower acceleration and performance, good crash test ratings, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.
The next list presents coverage prices for a selection of the cheaper automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $1,493 |
| Dodge Grand Caravan CV | $1,541 |
| Chevrolet Malibu LS | $1,627 |
| Ford Escape XLS 4WD | $1,685 |
| Honda CR-V EX 4WD | $1,725 |
| Toyota Tacoma 4WD | $1,768 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,805 |
| Ford Focus SES 2-Dr Coupe | $1,829 |
| Ford Edge SEL 2WD | $1,832 |
| Honda Odyssey LX | $1,850 |
| Kia Optima EX | $1,861 |
| Nissan Altima 2.5 4-Dr Sedan | $1,866 |
| Volkswagen Jetta S 4-Dr Sedan | $1,876 |
| Start a Quote Go | |
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can influence price quotes substantially.
Looking at the numbers, you can expect models like the Hyundai Elantra, Dodge Grand Caravan, Chevrolet Malibu, Ford Escape, and Honda CR-V are most likely going to be some of the cheaper vehicles to insure for military personnel.
For military personnel, one of the largest things that determine the amount you pay for auto insurance is where your residence is in San Francisco. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the luxury of lower rates.
The next table ranks the highest-priced places in California for active military to purchase auto insurance in. San Francisco makes the list at #3 with an annual cost of $1,763 for the average policy, which is around $147 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,578 |
| 8 | Fontana | $1,566 |
| 9 | Santa Clarita | $1,548 |
| 10 | Stockton | $1,541 |
| 11 | Modesto | $1,532 |
| 12 | Garden Grove | $1,524 |
| 13 | Moreno Valley | $1,506 |
| 14 | Riverside | $1,497 |
| 15 | Santa Ana | $1,483 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,395 |
| 19 | Huntington Beach | $1,374 |
| 20 | Fremont | $1,361 |
| Compare Rates Now Go | ||
Price information shown is estimated as the garaging address in San Francisco can influence coverage rates significantly.
Finding decent, reasonably-priced auto insurance is challenging, and deciding which company offers the best car insurance rates for active military requires more quotes for comparison. Each company uses different criteria for determining rates in each state, so let’s take a look at the car insurance companies with the most affordable rates in San Francisco, CA.
It’s a good idea to be aware that California car insurance rates are impacted by many factors that can increase the price you have to pay. That is why it is so important to compare lots of rates to find the best auto insurance quotes for active military. Car insurance prices are made up of many factors and change frequently, so the cheapest option the last time you checked may now be one of the higher cost companies.
Best Cheap Insurance Rates for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,226 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,497 |
| 11 | GEICO | $1,513 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,699 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
| Quote Your Rates Go | ||
Wawanesa has some of the cheapest car insurance rates in San Francisco at around $1,146 a year. USAA, Century National, CSAA, and Nationwide also are some of the best San Francisco, CA auto insurance companies.
In the rate table above, if you currently have coverage with USAA and switched to Wawanesa, you might realize a yearly savings of roughly $9. California drivers with Century National may save as much as $80 a year, and CSAA insureds might lower prices by up to $88 a year.
It’s important to note that these rates are averaged across all types of insureds and vehicles and are not factoring in an exact zip code location for active military. So the insurer that is most affordable for your situation may not even be in the top 24 companies in the list above. That is why you need to get car insurance quotes using your own driver data and vehicle information.
Discounts on San Francisco insurance
Insurers that provide policies for active military may also give you premium discounts that could reduce prices by as much as 35% or more if you can meet the requirements. Popular car insurance companies and a selection of discounts can be read below.
- State Farm may include discounts for student away at school, Steer Clear safe driver discount, safe vehicle, multiple autos, defensive driving training, driver’s education, and good student.
- GEICO has savings for anti-lock brakes, multi-policy, five-year accident-free, federal employee, anti-theft, emergency military deployment, and daytime running lights.
- Allstate includes discounts for good student, teenSMART discount, defensive driver, anti-theft, multi-policy, FullPay discount, and utility vehicle.
- SAFECO offers premium reductions for accident prevention training, bundle discounts, multi-car, homeowner, and teen safety rewards.
- Farm Bureau discounts include safe driver, youthful driver, driver training, 55 and retired, good student, multi-vehicle, and renewal discount.
- Progressive policyholders can earn discounts including multi-vehicle, online signing, good student, multi-policy, homeowner, and online quote discount.
- AAA offers discounts including education and occupation, good driver, pay-in-full, good student, anti-theft, and multi-policy.
The diagram below illustrates the comparison of auto insurance rates with and without some available policy discounts. The premiums assume a female driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, defensive driving course, multiple vehicle, marriage, claim-free, and multiple policy discounts applied. When discounts are applied, theaverage amount saved on car insurance for active military is 28% or $661.
The example below shows how choosing a deductible can impact insurance rates when searching for cheap insurance for active military. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could lower their car insurance rates by $350 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $530 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could lower their rates as much as $750 or more just by using higher deductibles. When increasing deductibles, it will be required to have plenty of money set aside to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.
California car insurance companies ranked
Selecting a high-quality auto insurance provider is difficult considering how many companies are available to choose from in San Francisco. The company information in the lists below can help you select which car insurance providers you want to consider putting your business with.
These ratings include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into these rankings. If you’d like to compare prices from the insurers below and more, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Ideas for finding cheaper auto insurance for active military
Here are a few money-saving solutions that can help California drivers find more affordable car insurance.
- Avoid speeding and other traffic citations and pay less
- Drive a car with a high safety rating
- Accidents can significantly increase rates
- Increase your deductibles
- Improve your credit rating
- Compare prices frequently to find the best deal
The last suggestion is particularly necessary, as we noted in the article above. Insurance rates change a lot, so don’t be hesitant to switch companies if a lower price can be found. Loyalty to a specific company is fine, but is isn’t recommended if that faithfulness ends up costing you several hundred dollars every year. Spend a few minutes and compare prices and find cheaper car insurance for active military in San Francisco.
The auto insurance agents in San Francisco shown below are willing to provide answers to your questions and help you determine which coverages and limits you need, as some drivers have questions and prefer to have some professional guidance when shopping for the best coverage for active military. It can be complicated to find the cheapest auto insurance company, and getting professional guidance from a licensed agent can bring satisfaction knowing your policy gives you adequate protection in the event of a claim.
To locate an agency near you, click the button following the list or click here to compare rates now.
April Insurance Agency
1788 19th Ave – San Francisco, CA 94122 – (415) 242-8100
Nationwide Insurance: Anita Daisy Lo Agency
6037 Geary Blvd – San Francisco, CA 94121 – (415) 592-8388
Dave and Jake Stewart State Farm Insurance
821 Folsom St #101 – San Francisco, CA 94107 – (415) 982-9033
State Farm: Michael Woo
2166 Market St – San Francisco, CA 94114 – (415) 565-6777