In Sunnyvale, drivers pay an average of $1,190 yearly for auto insurance which is cheaper than the state average by 16.7%. The cheapest car insurance in Sunnyvale varies depending on the company, coverage amounts and driver profile. The most affordable option, Esurance, costs an average of $891 yearly. To help you find the best car insurance in Sunnyvale, MoneyGeek ranked the companies that balance quality of service and affordability.
bestauto insuranceSunnyvale2021The Cheapest and Best Car Insurance in Sunnyvale
Cheapest Overall - Esurance
Best Overall - Auto Club of Southern California Insurance Group
Cheapest State Minimum - Esurance
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Sunnyvale
On average, for a full coverage car insurance policy, the cheapest companies in Sunnyvale are:
- Esurance: $891 per year
- GEICO: $979 per year
At an average rate of $1,568 annually, a full coverage policy from Allied, the most expensive option in Sunnyvale, costs 76% more than Esurance. If you want to find the best car insurer by price, take the time to compare insurers.
Rates used in this study are based on a policy for a 40-year-old male driver with a full coverage policy with liability insurance and comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$891
- 2.$979
- 3.$999
- 4.$1,002
- 5.$1,028
Average Cost of Car Insurance in Sunnyvale
Sunnyvale$1,190
California$1,429
U.S.$1,424
In California, drivers pay an average of $1,429 yearly for car insurance, which is 16.7% higher than the average car insurance rate in Sunnyvale at $1,190 per year. Sunnyvale drivers also pay 16.4% less than the national average, which is $1,424. You can compare car insurance rates from different providers online to find the average costs for your state.
The Best Car Insurance Companies in Sunnyvale
MoneyGeek used a scoring system to help drivers find insurers with quality coverage at an affordable rate and found that the best companies in Sunnyvale for car insurance are:
- Auto Club of Southern California Insurance Group: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
Although USAA scored highest at 100/100, it is only available to current and former members of the military. MoneyGeek’s ranking system incorporates customer satisfaction scores, financial stability and affordability scores to identify the best car insurance companies.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:88
5
State Farm
Score:88
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:83
9
Allstate
Score:83
10
Safeco
Score:80
11
CSAA
Score:78
12
Liberty Mutual
Score:78
13
Farmers
Score:78
14
Mercury
Score:78
15
Nationwide
Score:75
16
Kemper
Score:70
Personalized Quotes to Get You the Cheapest Car Insurance in Sunnyvale
Car insurance rates depend on your age, coverage limits purchased, ZIP code and other factors, so a personalized quote is important. It is also recommended that you compare car insurance quotes frequently since you may be eligible for discounts or rebates depending on your profile and the insurer you choose.
Shopping around for car insurance in Sunnyvale could save you $299, which is enough to buy:
100Cups of Coffee
23Months of Your Favorite Streaming Service
Cheapest Car Insurance in Sunnyvale by Coverage Amount
One of the biggest factors impacting the cost of car insurance in Sunnyvale and other states is the amount of coverage purchased. For a state minimum liability-only policy, drivers in Sunnyvale pay an average of $565 yearly, while the cost of a full coverage policy is $1,190 per year. This is a $626 difference.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
In Sunnyvale, you can increase your liability-only coverage from the state minimum to a 50/100/50 liability coverage for roughly $77 more with Esurance, the cheapest insurer. This means you would get a $50,000 per person bodily injury limit, a $100,000 limit per accident and $50,000 for property damage.
For drivers who want a full coverage policy, the average cost of a 50/100/50 full coverage policy from Esurance is $859 yearly. However, for an extra $32 yearly, you can significantly increase your coverage to 100/300/100. This will give you a limit of 100,000 per person in medical bills, with a limit of $300,000 per vehicle and $100,000 for property damage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$499$576
- 2.$421$568
- 3.CSAA$415$516
- 4.$423$536
- 5.$450$614
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$859$891
- 2.$902$979
- 3.CSAA$995$1,031
- 4.$974$1,028
- 5.$922$999
Cheapest Car Insurance in Sunnyvale if You Have Driving Violations
For drivers in Sunnyvale, insurance costs can increase significantly if they have poor driving records. Esurance, the cheapest option at roughly $891 per year for drivers with no violations, increases by about $233 for drivers with speeding tickets to $1,124 yearly. Drivers with a DUI will also pay higher costs at an average of $2,199 per year, which is $1,308 more than the cost for drivers with no violations. Drivers with an at-fault accident on their record pay roughly $485 per year more.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,124$1,376$2,199
- 2.$1,443$1,655$2,268
- 3.$1,124$1,793$2,896
- 4.$1,673$2,226$2,093
- 5.CSAA$1,298$1,298$3,655
Average Cost of Car Insurance by Postal Code
Your ZIP code can affect car insurance rates depending on risk factors such as accident rates in your area, car thefts and other risks.
However, in Sunnyvale, there is little difference in car insurance rates between ZIP codes. The most expensive ZIP code, 94087, only costs $2 more than the cheapest one, 94086. This means that ZIP codes in Sunnyvale do not have significant disparities in car insurance rates. You can also compare rates for other states and ZIP codes to get the best price.
- Zip CodeState Minimumper year
- 94086$1,189
- 94087$1,191
Insurance Providers That Serve Sunnyvale
Factors That Impact Insurance Costs in Sunnyvale
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Sunnyvale. How Sunnyvale ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Sunnyvale are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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