Daly City Auto Insurance Rates, Quotes, Agents & Reviews in CA

Daly City, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Daly City, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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The Five Most Popular Car Insurance Companies in Daly City, CA

The average cost of auto insurance in Daly City, CA, is $1,490 and is lower than auto insurance in neighboring places such as South San Francisco, Broadmoor, and Brisbane. Auto insurance in Daly City depends on numerous factors ranging from the make and model of the vehicle to the driver’s age. Below is a list of the top five auto insurance companies in Daly City.



State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm received a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for an overview of the various insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best. 


Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets. 


With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69% in California and enjoys an A.M. Best Rating of A++. GEICO received a score of 825/1000 on the J.D. Power Auto Insurance Study, and also received the “Better Than The Most” tag. 


Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance providers in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.


AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.

Factors that can influence the cost of car insurance in Daly City, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Daly City, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Daly City, CA with that of other cities in and around Daly City.

Daly City South San Francisco Colma Broadmoor San Bruno Brisbane
Average Insurance Rates $1,988 $2,028 $1,973 $1,998 $1,583 $2,042

Daly City, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Daly City, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Daly City $2,824 $2,386
Broadmoor $2,058 $1,738
Colma $1,448 $1,223
Brisbane $2,103 $1,777
South San Francisco $2,089 $1,764
San Bruno $2,954 $2,495
Pacifica $1,921 $1,623
Millbrae $1,402 $1,184

Daly City, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Daly City, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,451
20 Years $2,554
30 Years $1,967
40 Years $1,893
50 Years $1,753
60 Years $1,777
70 Years $2,069

Daly City, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Daly City, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,499 $477
3 Vehicles $5,248 $716
4 Vehicles $6,998 $954

Savings on 2 Vehicles bundle:$477

Savings on 3 Vehicles bundle:$716

Savings on 4 Vehicles bundle:$954

Daly City, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Daly City, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Daly City $1,988 $4,895
Broadmoor $1,998 $4,919
Colma $1,973 $4,858
Brisbane $2,042 $5,028
South San Francisco $2,028 $4,993
San Bruno $1,583 $3,898
Pacifica $1,421 $3,499
Millbrae $2,194 $5,402

Daly City, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,706
Excellent (740-799) $1,947
Good (670-739) $2,072
Average (580-669) $2,703
Poor (300-579) $3,243

Daly City, CA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
[ D e, b, a
Cliff Young State Farm 1636-A Irving Street, San Francisco, 94122-1841 415-665-5119
Arch Insurance Group Travelers FOUR EMBARCADERO CNT STE 2000, SAN FRANCISCO, 94111 210-530-5111
Wilson Chan State Farm 25 Division St Ste 200, San Francisco, 94103-5234 415-593-8802
Jake Stewart State Farm 821 Folsom Street, San Francisco, 94107-6110 415-982-9033
Gary T State Farm 318 Westlake Ctr Ste 270, Daly City, 94015-1439 650-755-5099
Phil Grites State Farm 1365 El Camino Real, Millbrae, 94030-1410 650-697-5300
Equity Risk Partners Inc Liberty Mutual Independent 456 MONTGOMERY ST 16TH FL, SAN FRANCISCO, 94104 (415) 874-7199

Daly City, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$87 $2,075
Driver's Failure In Showing Documents +$193 $2,181
Driving With An Expired Registration +$205 $2,193
Driving At A Considerably Slow Pace +$431 $2,419
Using A Cellphone While Driving +$455 $2,443
Running A Red Light +$463 $2,451
Speeding +$487 $2,475
Driving A Vehicle Without The Required Permission +$618 $2,606
Driving With An Expired/Suspended License +$1,340 $3,328

Daly City, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,908
Active Disabling Device $1,908
Tracking Device $1,869
Passive Disabling Device $1,849