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Pacifica is located just 12 miles south of San Francisco along the scenic coast of the Pacific Ocean. Spread along a six-mile stretch of coastal beaches and hills, the area is well known as a popular surfing destination. Fishermen frequent the local beaches, as well as outdoor enthusiast who enjoy mountain biking and hiking. The cost of living in Pacifica is 29% higher than the California average and 76% higher than the national average. It’s beautiful natural resources and ideal location make it prime real estate, with the cost of housing at 203% higher than the national average. One of the most incredible stretches of Highway 101 runs right through Pacifica, making it a year round tourist destination. This plus the high cost of living make it especially important to explore all the options for cheap car insurance Pacifica has to offer. Make sure you also check often for any discounts you may qualify for.

Pacifica is safer than 58% of the cities in the United States, with an overall crime rate that is 32% lower than the national average. Property crime is 32% lower than to the state average, and 28% lower than the overall national average. The Pacifica Police Department has 37 officers and additional divisions including Field Services, Investigations, Communications and Records. The low crime rates of Pacifica mean it is a low risk for theft and vandalism. This will help residents save money on all their insurance costs.

Pacifica Insurance Requirements

 All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

The minimum coverage may be all the law requires, but Pacifica has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Pacifica can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Pacifica Public Transportation

 There are 2 airports and 11 Amtrak train stations within 30 miles of the Pacifica city center. Bay Area Rapid Transit (BART), CalTrain, and SamTrans Bus Service provide additional transportation options for Pacifica residents. The average travel time to work in Pacifica is 11% higher than the national average, which is why the number of people who take public transportation in Pacifica is 47% higher than the national average. The number of people who carpool to work in Pacifica is 6% higher than the national average.