GEICO offers the lowest car insurance rates in Sunnyvale, with annual premiums of $448 for minimum coverage and $1,029 for full coverage. Other affordable insurers in the city include AAA, Progressive and State Farm.
Car Insurance in Sunnyvale
Updated: August 10, 2025
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Key Takeaways
The cheapest car insurance companies in Sunnyvale include GEICO, AAA and Progressive, with rates up to 41% lower than the city average.
Monthly car insurance costs in Sunnyvale average $138 for full coverage and $66 for minimum coverage.
You'll find the best cheap auto insurance in Sunnyvale by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Sunnyvale?
| GEICO | $37 | $86 | -41% |
| AAA | $39 | $95 | -36% |
| Progressive | $52 | $97 | -29% |
| State Farm | $56 | $124 | -14% |
| Mercury | $66 | $131 | -6% |
Compare the Cheapest Sunnyvale Car Insurance for You
Car insurance rates change based on your driving history and personal details, so the cheapest company overall might not be the best deal for you. Check the table below to find the most affordable insurer for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| AAA | $101 | $1,206 | -51% |
| State Farm | $129 | $1,553 | -37% |
| Geico | $144 | $1,728 | -29% |
| Progressive | $144 | $1,729 | -29% |
| Farmers | $194 | $2,334 | -5% |
Cheapest Car Insurance by Age Group in Sunnyvale
Car insurance prices in Sunnyvale vary significantly by age. Our research shows the following providers offer the lowest monthly rates for each age group:
- Young drivers (16 to 25): GEICO at $76 per month
- Adult drivers (26 to 64): GEICO at $86 per month
- Senior drivers (65+): GEICO at $41 per month
Cheapest Car Insurance for Young Drivers in Sunnyvale
GEICO and State Farm provide the most affordable car insurance options for young drivers in Sunnyvale, with monthly premiums starting at $76 and $79 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $76 | $910 | -38% |
| State Farm | $79 | $948 | -35% |
| AAA | $92 | $1,107 | -25% |
| Wawanesa Insurance | $96 | $1,152 | -21% |
| Farmers | $98 | $1,173 | -20% |
Cheapest Car Insurance for Adult Drivers in Sunnyvale
In Sunnyvale, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 39% on average. AAA and Progressive are also among the top affordable providers for this age group.
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $86 | $1,029 | -39% |
| AAA | $95 | $1,137 | -33% |
| Progressive | $97 | $1,160 | -32% |
| State Farm | $124 | $1,491 | -12% |
| Mercury Insurance | $131 | $1,576 | -7% |
Cheapest Car Insurance for Senior Drivers in Sunnyvale
For seniors in Sunnyvale, GEICO provides the most affordable car insurance options. The minimum coverage costs $41 monthly or $489 annually. Full coverage from the same provider runs $92 per month or $1,101 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $41 | $489 | -49% |
| State Farm | $48 | $570 | -40% |
| AAA | $57 | $679 | -29% |
| Progressive | $66 | $789 | -17% |
| Farmers | $68 | $810 | -15% |
Cheapest Car Insurance for High-Risk Drivers in Sunnyvale
High-risk drivers in Sunnyvale can find affordable car insurance rates with these providers:
- Cheapest With a DUI: GEICO (from $89 per month)
- Cheapest With an Accident: AAA (from $49 per month)
- Cheapest With a Speeding Ticket: AAA (from $49 per month)
Cheapest Car Insurance With a DUI in Sunnyvale
GEICO offers the most affordable car insurance rates for drivers with a DUI in Sunnyvale. Their rates are 44% below the city average for minimum coverage and 40% below the average for full coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $89 | $1,067 | -44% |
| Mercury Insurance | $115 | $1,379 | -27% |
| Progressive | $115 | $1,382 | -27% |
| Farmers | $116 | $1,397 | -27% |
| Auto Owners | $128 | $1,537 | -19% |
Cheapest Car Insurance With an Accident in Sunnyvale
AAA offers the lowest car insurance rates in Sunnyvale for drivers with an accident record, with premiums starting at $49 monthly. Their rates are 54% below the city average, making them the most affordable option for drivers looking to save on coverage after an accident.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| AAA | $49 | $584 | -54% |
| Geico | $66 | $797 | -37% |
| Progressive | $84 | $1,005 | -21% |
| Auto Owners | $85 | $1,024 | -20% |
| State Farm | $86 | $1,033 | -19% |
Cheapest Car Insurance With a Speeding Ticket in Sunnyvale
For Sunnyvale drivers with speeding tickets, AAA offers the cheapest car insurance rates. Their minimum liability coverage starts at $49 per month, while full coverage with higher limits costs $119 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| AAA | $49 | $584 | -50% |
| Geico | $56 | $671 | -43% |
| Progressive | $76 | $916 | -22% |
| Auto Owners | $82 | $981 | -17% |
| State Farm | $83 | $994 | -16% |
Best Car Insurance Companies in Sunnyvale
In Sunnyvale, the leading car insurance companies are Progressive, GEICO, AAA and State Farm. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Progressive | 91 | 3 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 87 | 2 | 5 | 7 |
| State Farm | 81 | 4 | 4 | 7 |
| Auto Owners | 81 | 8 | 1 | 6 |
Progressive: Best Overall Value
pros
Strong customer service ratings
Extensive coverage options
Competitive rates across driver types
cons
Not the cheapest option
Limited military discounts
COMPANY HIGHLIGHTS
Progressive ranks first among Sunnyvale insurers by delivering consistent quality across all categories. Their comprehensive coverage options include unique add-ons that many competitors don't offer. Customer service ratings place them among the top three providers in the area, with particularly strong scores for claims handling. While not the absolute cheapest, their rates stay competitive for most driver categories.
GEICO: Best for Affordable Coverage
pros
Lowest rates in Sunnyvale
Many online tools and resources
Strong mobile app experience
cons
Limited coverage options
Lower customer service scores
COMPANY HIGHLIGHTS
GEICO offers Sunnyvale's most affordable car insurance rates across multiple driver categories. They excel at serving specific groups, offering the lowest rates for adult drivers, seniors, young drivers, and even those with bad credit or DUIs. Their user-friendly digital tools make policy management straightforward. While they rank lower in customer experience and coverage options, their competitive pricing and efficient online services make them an attractive choice for budget-conscious drivers.
How Much Is Car Insurance in Sunnyvale?
In Sunnyvale, minimum coverage costs about $66 per month or $787 per year, ranking 1,013th out of all California cities for affordability. Full coverage averages $138 monthly or $1,660 annually, ranking 981st among California cities.
| Full Coverage | $138 | $1,660 |
| Minimum Coverage | $66 | $787 |
Compare Personalized Sunnyvale Car Insurance Costs
While basic rate breakdowns help compare costs, this table lets you filter Sunnyvale car insurance rates by your exact combination of age, driving record and other personal factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $191 | $2,290 | 0% |
Sunnyvale Car Insurance Costs By ZIP Code
In Sunnyvale, car insurance rates by ZIP code range from $56 to $156 per month. ZIP code 94087 is the most affordable, while 94085 costs the most. Check the average rates for your ZIP code below.
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ZIP Code:94085
| 94085 | $76 | $156 |
How to Get The Best Cheap Sunnyvale Car Insurance
Finding affordable car insurance in Sunnyvale can be challenging, with local rates among California's highest and numerous coverage options to evaluate. Our step-by-step guide shows you proven ways to secure better rates while maintaining the right coverage for your needs.
- 1
Calculate your exact coverage needs
Start by determining how much coverage you actually need for your situation. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider your car's value, your assets, and California's minimum requirements. This creates a solid foundation for comparing quotes and ensures you don't over or under-insure.
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Explore different insurance types
Understanding different types of car insurance can lead to significant savings. If you drive less than average, consider pay-per-mile insurance. Don't own a car? Look into non-owner coverage. These alternative options often cost less than traditional policies.
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Know what others pay
Research average vehicle insurance costs in Sunnyvale to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Remember that your personal factors like driving history and coverage choices will affect your actual rates.
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Check all available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer savings for good driving records, safety features, and completing defensive driving courses.
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Research company reliability
Look beyond just prices when choosing an insurer. Check customer reviews, financial strength ratings, and claims satisfaction scores for companies serving Sunnyvale. A slightly higher premium from a reliable company might save you money and stress when you need to file a claim.
- 6
Get quotes from multiple companies
Contact at least three different insurance companies for quotes. Use their websites, call directly, and work with local agents to ensure you're getting the best rates. Each company uses different factors to set prices, so comparing multiple offers often leads to better deals.
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Review your policy yearly
Set a reminder to review your coverage annually. Your insurance needs can change with life events, vehicle updates, or improved driving history. Some companies also adjust rates regularly, so shopping around each year helps ensure you maintain the best possible rate.
Cheapest Car Insurance in Sunnyvale: Bottom Line
Your car insurance rates in Sunnyvale depend on your age, driving record and vehicle type. While GEICO and AAA offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Sunnyvale Car Insurance: FAQ
We've researched Sunnyvale's car insurance market to bring you clear answers about finding affordable coverage. Our expert analysis helps you save money while getting the protection you need.
What is the cheapest car insurance company in Sunnyvale, California?
GEICO offers the lowest rates in Sunnyvale, with average annual premiums of $448 for minimum coverage and $1,029 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Sunnyvale?
Progressive leads Sunnyvale's car insurance market with a MoneyGeek score of 91 out of 100, scoring four points higher than GEICO. Progressive excels in both affordable rates and quality service.
What is the average cost of car insurance in Sunnyvale?
In Sunnyvale, full coverage car insurance costs $1,660 annually, while minimum coverage averages $787. Your actual rates will vary based on individual factors.
Is car insurance in Sunnyvale expensive?
Car insurance in Sunnyvale is costlier than most cities, ranking 1,013th for minimum coverage affordability and 981st for full coverage among California cities.
How We Chose the Best and Cheapest Car Insurance in Sunnyvale, CA
To help Sunnyvale drivers find the most affordable auto insurance companies, MoneyGeek analyzed Sunnyvale auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Sunnyvale and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Sunnyvale Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Sunnyvale with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Sunnyvale
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Sunnyvale based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.