Wouldn’t it be perfect if you could just magically know one specific company that has the cheapest car insurance rates for welfare recipients? That is not the case, however, as there are a lot of unknown aspects like if you want full coverage, whether you are female or male, if you are a homeowner, and the performance level of your vehicle, that all have an effect on the price of a policy. This article should teach you a little about the best ways to save money and will hopefully give the reader some help in finding cheaper rates.
One of the more important factors that help determine the annual cost of car insurance is where you choose to live in San Francisco. Areas with more people or more claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.
The following table shows the priciest cities in California for welfare recipients to purchase a policy in. San Francisco ranks #4 with an annual cost of $1,711 for car insurance, which is about $143 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | Sacramento | $1,720 |
| 4 | San Francisco | $1,711 |
| 5 | Oakland | $1,704 |
| 6 | Stockton | $1,588 |
| 7 | Fontana | $1,581 |
| 8 | San Bernardino | $1,580 |
| 9 | Long Beach | $1,578 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,548 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,524 |
| 14 | Fresno | $1,502 |
| 15 | Santa Ana | $1,497 |
| 16 | Modesto | $1,487 |
| 17 | Anaheim | $1,444 |
| 18 | Fremont | $1,389 |
| 19 | San Jose | $1,381 |
| 20 | Huntington Beach | $1,360 |
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Price information shown is estimated as the garaging address in San Francisco can increase or decrease auto insurance rates substantially.
The vehicle to be insured is one of the biggest factors when consumers are trying to find the most affordable insurance for welfare recipients. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost more to insure than more economical and safe models.
The table below features auto insurance costs for the most budget-friendly vehicles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,116 |
| Honda Accord EX 4-Dr Sedan | $1,125 |
| Hyundai Elantra SE Touring Station Wagon | $1,211 |
| Ford Explorer XLT 4WD | $1,250 |
| Honda CR-V EX 4WD | $1,284 |
| Chevrolet Impala LS | $1,294 |
| Toyota RAV4 Limited 2WD | $1,320 |
| GMC Sierra SL Extended Cab 2WD | $1,327 |
| Chevrolet Malibu LT | $1,348 |
| Ford F-150 Lariat Super Cab 4WD | $1,355 |
| Toyota Prius | $1,359 |
| Toyota Tacoma 4WD | $1,369 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,390 |
| Ford Edge Sport AWD | $1,399 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,390 |
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in vehicle location which can increase or decrease coverage prices noticeably.
Looking at the numbers, vehicles like the Ford Escape, Honda Accord, Hyundai Elantra, and Ford Explorer should be some of the most economical vehicles to insure for drivers on welfare.
Deciphering which companies have the cheapest car insurance rates for welfare recipients may require a tad more effort than just comparing rates from one or two companies. Each insurance company used slightly different criteria to set premium rates, so we will examine the car insurance companies with the overall cheapest rates in California.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,543 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,639 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA offers some of the cheapest car insurance rates in San Francisco at around $1,143 annually. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the cheapest San Francisco, CA insurance companies.
In the above example, if you are currently insured with CSAA and switched to USAA, you could earn yearly savings of approximately $79. California drivers with Nationwide might save as much as $120 a year, and 21st Century insureds might lower prices by $223 a year.
Be aware that those policy rates are averages across all insureds and vehicles and do not factor in an exact vehicle garaging location for welfare recipients. So the company that can offer you the best rate may not even be in the top 24 companies in the list above. That illustrates why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
How to find a good San Francisco car insurance company
Buying coverage from the top insurance provider can be challenging considering how many companies there are in San Francisco. The rank data in the next section can help you choose which insurers to look at shopping your coverage with. These ratings are for large insurance companies, so companies that focus mainly on California business will not be included in the list.
Top 10 Large Auto Insurance Companies in San Francisco Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Large Auto Insurance Companies in San Francisco Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Types of discounts on San Francisco auto insurance
Insurance providers that provide coverage for welfare recipients may also provide policy discounts that could potentially reduce rates by as much as 40% or more if you meet certain criteria. Larger car insurance companies and the discounts they provide can be read below.
- American Family may have discounts that include good student, TimeAway discount, accident-free, defensive driver, multi-vehicle, and mySafetyValet.
- Farm Bureau has discounts for multi-policy, driver training, good student, renewal discount, safe driver, youthful driver, and 55 and retired.
- State Farm may offer discounts for multiple autos, Drive Safe & Save, anti-theft, student away at school, and good student.
- Travelers offers discounts including early quote, continuous insurance, driver training, payment discounts, home ownership, new car, and multi-policy.
- The Hartford may include discounts for bundle, air bag, defensive driver, driver training, good student, vehicle fuel type, and anti-theft.
- GEICO discounts include emergency military deployment, air bags, daytime running lights, military active duty, multi-vehicle, driver training, and anti-lock brakes.
- Progressive has savings for multi-vehicle, good student, homeowner, continuous coverage, multi-policy, online quote discount, and online signing.
The illustration below compares insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, passive restraint, multiple policy, multiple vehicle, defensive driving course, and anti-theft discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for welfare recipients is 28% or $516.
Why it’s important to shop around
California car insurance rates are impacted by many factors which can substantially decrease or increase the price of your policy. Simply turning a year older, having a claim, or getting a reckless driving citation may prompt premium changes that can cause some rates to be cheaper in comparison to the competition. Not only may your situation change, but car insurance companies change premium rates multiple times each year to reflect underwriting profits or losses. A period of increased losses may result in additional price hikes, while profitable underwriting can result in lower-priced San Francisco car insurance rates.
For instance, the data below demonstrates which company has the cheapest car insurance in San Francisco, CA for a 30-year-old male driver with a clear driving record, no claims, and good financial standing. If we estimate prices based on his current rating profile, USAA has the most affordable car insurance rates in San Francisco at $1,447 a year. This is $204 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the most affordable San Francisco, CA auto insurance companies.
The example below compares rates after we give the driver from the above example a chargeable claim, bad credit, and a blemish on his driving record. Since each auto insurer has a different process for setting rates, comparing quotes could result in a completely different list of affordable San Francisco car insurance companies as shown below.
Grange now has the lowest car insurance rate in San Francisco with Mercury, Progressive, GEICO, and Allied completing the list. This example proves why San Francisco drivers need to compare rates to find the lowest auto insurance rates for welfare recipients.
Rates are determined by many factors and change dramatically, so the best option two years ago may now be one of the higher cost companies.