The vehicle model you are trying to insure is one of the biggest factors that determines whether or not you find economical insurance for veterans. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The information below presents coverage costs for a selection of the cheapest automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Odyssey LX | $1,484 |
| Toyota Prius | $1,495 |
| Ford Escape XLT 2WD | $1,545 |
| Ford Explorer Limited 4WD | $1,629 |
| Chevrolet Malibu LT | $1,637 |
| Ford F-150 Lariat Crew Cab 2WD | $1,629 |
| Honda Civic LX-S 4-Dr Sedan | $1,650 |
| Honda CR-V EX 2WD | $1,656 |
| Hyundai Elantra SE 4-Dr Sedan | $1,679 |
| GMC Sierra SL Crew Cab 4WD | $1,711 |
| Chevrolet Equinox LTZ 2WD | $1,718 |
| Dodge Grand Caravan SE | $1,735 |
| Ford Focus S 4-Dr Sedan | $1,795 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Table data does not factor in San Francisco, CA location which can increase or decrease premiums considerably.
Based on these rates, we can tell that models like the Honda Odyssey, Toyota Prius, and Ford Escape are likely to be the most budget-friendly vehicles to insure for veterans.
One of the more important factors that are looked at to help calculate the price you pay for insurance is where you choose to live. Areas with more people or more claims tend to pay slightly more, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.
The illustration below rates the most expensive places in California for veterans to buy car insurance in. San Francisco makes the list at #5 with an annual cost of $1,711 for the average policyholder, which is approximately $143 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,578 |
| 8 | Garden Grove | $1,570 |
| 9 | Stockton | $1,556 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,548 |
| 12 | Modesto | $1,532 |
| 13 | Fontana | $1,519 |
| 14 | Fresno | $1,502 |
| 15 | Santa Ana | $1,497 |
| 16 | Riverside | $1,497 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Bakersfield | $1,394 |
| 20 | Huntington Beach | $1,374 |
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Rates are estimated as the specific geographic location can revise price quotes considerably.
Figuring out which company offers the most affordable auto insurance rates for veterans calls for a tad more effort in order to find a policy that fits your budget.
Each auto insurance company uses their own method for establishing rates, so let’s look at the rankings for the auto insurance companies that tend to have lower prices in San Francisco. It’s important that you understand California auto insurance rates are impacted by many things that may substantially change the policy price. Getting older, buying a home instead of renting, or getting caught speeding may prompt premium changes that can cause some rates to be much cheaper than others.
Find the Best Cheap Insurance for Vets
Wawanesa has some of the cheapest car insurance rates in San Francisco at around $1,146 each year. This is $505 less than the average premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also are some of the cheaper San Francisco, CA car insurance companies.
As depicted above, if you are a policyholder with USAA and switched to Wawanesa, you may see annual savings of roughly $9. Drivers with Century National might save as much as $32 a year, and CSAA insureds might lower prices by up to $52 a year.
To compare your rates to other California insurance companies, click here to start your free quote or quote rates from the companies below.
It’s important to note that these premiums are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific zip code for veterans. So the company that can offer you the best price may not even be in the list above. That emphasizes why you need to get car insurance quotes using your own personal information and vehicle type.
The information below illustrates how your deductible choice can change insurance premiums when searching for cheap insurance for veterans. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
A 30-year-old driver could reduce rates by $560 a year by changing from a $100 deductible to a $500 deductible, or save $842 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates as much as $1,246 or more by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will be important to have enough savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Ending up with a good quality insurer can be rather challenging considering how many companies provide coverage in San Francisco. The company ratings shown next may help you select which auto insurance companies you want to consider when comparing rate quotes. These rankings are only made up of the largest companies in the United States, so smaller companies are not factored into these rankings.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on San Francisco auto insurance
Insurance providers that sell policies for veterans could also offer special discounts that may potentially lower prices by as much as 40% or more if you are eligible. Companies and a selection of discounts can be found below.
- Progressive discounts include multi-vehicle, online quote discount, homeowner, good student, continuous coverage, and multi-policy.
- The Hartford includes discounts for bundle, anti-theft, driver training, air bag, vehicle fuel type, defensive driver, and good student.
- Mercury Insurance has discounts for good student, multi-policy, anti-theft, accident-free, low natural disaster claims, and type of vehicle.
- GEICO policyholders can earn discounts including seat belt use, good student, anti-lock brakes, defensive driver, and federal employee.
- AAA may offer discounts for multi-policy, education and occupation, multi-car, anti-theft, good student, pay-in-full, and good driver.
- State Farm offers discounts for anti-theft, Steer Clear safe driver discount, multiple autos, passive restraint, defensive driving training, good student, and student away at school.
The diagram below compares insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, accident-free, passive restraint, marriage, anti-theft, and safe-driver discounts applied. When drivers qualify for the discounts, theamount saved on auto insurance for veterans is 28% or $735.
If you like to have a consultation when buying car insurance for veterans, the agents below are a good start to aid you in deciding which insurance coverage will be best for you.
To find an agent close to you, click the button following the list.
- Angela Chan – State Farm Insurance Agent
756 Sacramento St – San Francisco, CA 94108 – (415) 956-4888 - Kate McIntyre – State Farm Insurance Agent
1215 9th Ave b – San Francisco, CA 94122 – (415) 661-3650 - Jake Ng – State Farm Insurance Agent
1643 Noriega St – San Francisco, CA 94122 – (415) 564-0333 - John A. Morton Insurance Agency
3372 22nd St – San Francisco, CA 94110 – (415) 282-5888
View more San Francisco, CA insurance agencies
How to find cheaper car insurance for veterans
The list below details a few money-saving solutions that can help drivers get cheaper coverage.
- Do not pay for full coverage on older vehicles
- Raise your physical damage coverage deductibles
- If possible, do not file small claims
- At-fault accidents can raise rates significantly
- Save money by observing traffic laws and speed limits
- Compare rates and switch if you can find a better deal
The last tip is especially vital, as was affirmed in the prior article. Car insurance prices can change in a short period of time, so don’t hesitate to switch to a new company if you find a better deal.
Staying with the same company for years is fine, but it’s not a great idea if that loyalty ends up costing lots of hard earned cash every month. Now is a great time to shop around to find cheaper car insurance for veterans in San Francisco.