Compare the Cheapest Car Insurance Quotes in Sunnyvale, CA
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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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Quality Verified
Esurance, on average, offers the most affordable car insurance in Sunnyvale, including with a ticket, but your profile and coverage needs determine your best choice. CSAA offers the cheapest minimum coverage policy. If you have a military background, USAA might be the cheapest. For Sunnyvale drivers who want to balance cost and customer service, MoneyGeek found AAA is the best.
The Cheapest and Best Car Insurance in Sunnyvale




The Cheapest Car Insurance Companies in Sunnyvale
Sunnyvale drivers who want the cheapest full coverage policy should choose:
- Esurance: $891 average per year
- GEICO: $979 average per year
If you come from a military family, USAA has a full coverage policy with excellent customer service at around $1,028 annually.
Esurance offers the most affordable policy, which is around 76% less than Allied, the most expensive full coverage policy in Sunnyvale at roughly $1,568 annually.
A full coverage policy has comprehensive and collision coverage, but the price depends on your chosen liability limits and unique driver profile.
Cheapest Car Insurance in Sunnyvale
- Company100/300/100per year
- 1.$891
- 2.$979
- 3.$999
- 4.$1,002
- 5.$1,028
MoneyGeek collected the average rates for a 40-year-old male driver in Sunnyvale with a full coverage policy, as our methodology explains.
Full coverage auto insurance costs more than minimum coverage since it includes liability plus valuable comprehensive and collision insurance to protect your car.
- Collision insurance: pays for damage to your car in an at-fault accident
- Comprehensive insurance: covers non-collision car damage, vandalism and theft
If you own an older car, it may be better to buy minimum coverage or liability-only insurance because if full coverage costs more than your car’s replacement value, it’s more affordable.
Compare Car Insurance Rates in Sunnyvale
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Sunnyvale for Minimum Coverage
The cheapest auto insurance option in Sunnyvale is a minimum coverage policy. On average, the most affordable insurers for a minimum coverage policy are:
- CSAA: $415 per year
- GEICO: $421 per year
If you’re a former or current military member, USAA has a minimum coverage policy at around $423 per year.
CSAA costs roughly $325 less than Farmers annual rate of around $740, the most expensive in Sunnyvale. Minimum coverage is the cheapest auto policy but does not include comprehensive and collision insurance and has low levels of liability coverage, so you are at risk of not being fully covered.
Browse the table below to compare higher liability coverage rates.
Cheapest Minimum Liability Car Insurance in Sunnyvale
- CompanyState Minimumper year
- 1.CSAA$415
- 2.$421
- 3.$423
- 4.$450
- 5.$499
The minimum coverage requirement in California is 15/30/5 in liability coverage. Although this state minimum policy is the cheapest choice in Sunnyvale, it offers the least protection. In an at-fault accident, you risk having to pay out of pocket.
For example, if your accident causes the other driver to have medical bills of $25,000, the policy only covers $15,000. You have to pay for the remaining $10,000 out of pocket.
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.
Cheapest Car Insurance in Sunnyvale if You Have Driving Violations
Violations, such as a ticket, DUI or at-fault accident, raise your auto insurance cost in Sunnyvale. On average, the cheapest auto insurance companies in Sunnyvale, depending on the violation, are:
- Cheapest after a ticket: Esurance, $1,124 per year
- Cheapest after an at-fault accident: CSAA, $1,298 per year
- Cheapest after a DUI: Mercury, $2,093 per year
USAA is also around $1,124 per year with a speeding ticket, but its policies are only for eligible military members.
Sunnyvale drivers can improve their records over time to get cheaper auto insurance. While waiting, shop around and find a company that offers the best deal after a ticket, accident or DUI.
Cheapest Car Insurance in Sunnyvale With a Violation
Average Cost of Car Insurance in Sunnyvale
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.
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 rates frequently since you may be eligible for discounts or rebates depending on your profile and the insurer you choose.
Compare Car Insurance Rates in Sunnyvale
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Sunnyvale
MoneyGeek ranked various insurers in Sunnyvale to help you find quality customer service at the best price. Based on the research, the best auto insurance companies in Sunnyvale are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
The highest scoring insurer in Sunnyvale is USAA, with a perfect score of 100, but only veterans, current military members and their families are eligible. For them, it is often the best choice.
MoneyGeek’s scoring system considers J.D. Power’s financial stability, customer satisfaction, and affordability ratings to determine the best car insurance companies.














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
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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