Depends who you ask, Radioman. For our regular (HD1) stations, you should check out the thread titled "San Francisco is the #3 Radio Market...". It's got a link to a list of stations. David Kaye replied with a list of some of the worthy stations not mentioned at the link, such as KUSF, KPOO, and KCSM. My personal favorite is KCSM (91.1)- a very good non-commercial jazz station with the record library and some of the jocks that worked for the late lamented KJAZ.
I recently got an HD car radio. Unfortunately, I don't spend much time in the car, but when I do, I've been liking:
KOIT 96.5 HD2 - Real 50s and 60s Oldies - not a big playlist, unfortunately.
"The Wolf" 95.7 HD2 - Classic country. I'm not a big country music fan, but I've been enjoying all the old stuff on this station - Pasty Cline, Tammy Wynette, and others. I heard George Strait's "All My Ex'es Live in Texas" the other day...cute song. The station is keeping it light and upbeat, and I think it's fun.
"Movin" 99.7 HD2 - Straight Top 40 last time I checked - the only one in town.
KKSF 103.7 HD2- Their HD1 is "smooth jazz" - HD2 is real jazz, though no better than KCSM.
KFOG 104.5 HD2 Plays nothing but K-Fog's "10 at 10" programs (regularly played on HD1 @ 10:00, naturally. Good "world class rock" from various years with historical and news information dropped in between cuts.
KFRC 106.9 HD2 - If you want to hear KCBS News 740 in HD stereo. Personally, I just tune in KQED 88.5 (NPR) for news and info, but KCBS is considered one of the best commercial all news stations in the nation. KFRC HD1 station is an unexciting 70s Classic Hits station, but the playlist is good, I think.
There are a lot of others - I'm sure somebody else can fill in the ones I've missed.