The Cost of Insuring Your Car in South San Francisco, CA, is $2,028

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The average cost of auto insurance in South San Francisco, CA, is $2,028. This depends on numerous factors ranging from the age of the driver, the make and model of the car to the credit score of the driver. The cost of auto insurance can also vary from one neighborhood to another. This is probably because of the difference in the number of auto thefts in different neighborhoods.

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Insurance Requirements:

Car insurance is mandatory for all vehicle owners in California. The minimum liability insurance requirements for private passenger vehicles are as follows:

  • $15,000 for injury/death to a person.

  • $30,000 for injury/death to more than a person.

  • $5,000 for damage to property.

Age of the Driver:

The age of the driver is one of the most crucial factors in determining the cost of auto insurance in South San Francisco. The cost of insurance increases with the increase in the driving experience. This is perhaps why teenagers find auto insurance to be extremely expensive for them, given their lack of experience Moreover, the amount of risk being covered by the auto insurance company is also higher. The average cost of auto insurance for a teenager in South San Francisco is $6,581. This is almost 6 times the cost of auto insurance for a 50-year-old in South San Francisco. The cost of auto insurance is the cheapest for 50 and 60-year-olds in the city at $1,788 and $1,813.

Credit Score:

The credit score is another essential factor in determining the cost of auto insurance in South San Francisco. Car owners with an “exceptional” or “excellent” credit score will find auto insurance to be much cheaper. For example, the cost of auto insurance for someone with an exceptional credit score is as low as $1,740. This rises up to $2,757 when the credit score is “average” and $3,308 when the credit score is “poor”. 

Deductibles:

Deductibles are another factor that affects the cost of auto insurance. A higher deductible leads to a decrease in the cost of auto insurance, while a lower deductible leads to an increase. For instance, the cost of auto insurance when the deductible is $500 is $2,089, while this cost comes down to $1,764 when the deductible is higher at $1,000.