🏠 Home insurance cost in San Francisco, CA (2027)
Estimated average: $2,360 per year — +3% vs. the U.S. average of $2,300.
With about 808,988 residents, San Francisco is a major metro and the #4 largest city in California. Home insurance rates here are estimated at $2,360 per year, above the California average of $2,185 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare San Francisco with other California cities.
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San Francisco home insurance estimator
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San Francisco home insurance FAQ
How much is home insurance in San Francisco, CA?
The estimated average is $2,360 per year — above the state average (+8% vs. the California average of $2,185, and +3% vs. the U.S. average).
Is home insurance more expensive in San Francisco than elsewhere in California?
San Francisco has about 808,988 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in San Francisco?
Compare at least three quotes from insurers active in San Francisco, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.