San Francisco has 830,235 residents in 363,970 households. We list 21 agencies for health insurance in San Francisco. Here is what the local numbers say about the cover people here need.

San Francisco at a glance

21health insurance agencies listed
61.8%of households rentRenters insurance
$1,394,500median home valueHome insurance
1946median year homes were builtRebuild cost calculator
30.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in San Francisco County

FEMA rates the overall natural hazard risk in San Francisco County, where most San Francisco agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

EarthquakeVery High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in San Francisco How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies San Francisco agencies work with

Of the 21 San Francisco agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare18 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY16 agencies
National Pacific Dental,15 agencies
Blue Cross Blue Shield12 agencies
Aetna10 agencies
Mutual life carrier10 agencies
Metropolitan Life Insurance Company9 agencies
Nationwide9 agencies
The Hartford9 agencies
Cigna8 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where San Francisco agencies are

San Francisco agencies we list sit in 10 ZIP codes, mostly in San Francisco County.

941054 agencies
941144 agencies
941043 agencies
941113 agencies
941152 agencies
941031 agency
941071 agency
941081 agency
941271 agency
941421 agency

Questions

Health insurance in San Francisco

All insurance agencies in San Francisco · Health insurance across California

Where can I find health insurance in San Francisco?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do San Francisco agencies work with?

Among the 21 San Francisco agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (18), PACIFICARE LIFE AND HEALTH INSURANCE COMPANY (16), National Pacific Dental, (15), Blue Cross Blue Shield (12), Aetna (10). An appointed agency can quote that company's policies.

Do I need flood insurance in San Francisco?

FEMA's National Risk Index rates inland flooding risk in San Francisco County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Health insurance near San Francisco

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