Compare the Cheapest Car Insurance Quotes in Sunnyvale

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.

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The Cheapest and Best Car Insurance in Sunnyvale

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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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.

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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

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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:


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100Cups of Coffee
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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

  • Item
    Description
  • 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
Full Coverage
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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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    Esurance
    $1,124
    $1,376
    $2,199
  • 2.
    GEICO
    $1,443
    $1,655
    $2,268
  • 3.
    USAA
    $1,124
    $1,793
    $2,896
  • 4.
    Mercury
    $1,673
    $2,226
    $2,093
  • 5.
    CSAA
    $1,298
    $1,298
    $3,655
  • 6.
    Progressive
    $1,894
    $2,059
    $2,350
  • 7.
    State Farm
    $1,625
    $1,691
    $3,395
  • 8.
    Farmers
    $1,961
    $2,451
    $2,451
  • 9.
    Allstate
    $1,626
    $2,038
    $3,587
  • 10.
    Travelers
    $2,248
    $2,479
    $3,099
  • 11.
    Allied
    $2,195
    $2,521
    $3,787
  • 12.
    MetLife
    $1,295
    $1,687
    $6,260
  • 13.
    Hartford
    $2,082
    $2,889
    $4,875

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 Code
    State Minimumper year
  • 94086
    $1,189
  • 94087
    $1,191

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.

accident2 icon
Most Accidents With Fatalities187th/300
handcuffs2 icon
Most Car Thefts113th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall194th/300
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Most Rainy Days211th/300

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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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.