Cheapest and Best Car Insurance in Sunnyvale, CA (July 2024)


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Updated: July 16, 2024

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In Sunnyvale, finding affordable car insurance hinges on your coverage needs and driver profile. For full coverage, Progressive is cheapest, and GEICO, is most affordable for minimum coverage. State Farm offers the lowest premiums for families with teens.

When it comes to customer service dominance, Chubb is best. Capital Insurance Group, which provides the best overall value, marrying price with service quality. The optimal choice will depend on your individual preferences and coverage needs.

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2024

Cheapest and Best Car Insurance in Sunnyvale

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Sunnyvale, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Rancho Cucamonga insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Sunnyvale, CA as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Sunnyvale

GEICO is the cheapest car insurance option in Sunnyvale, with notably low rates for budget-conscious drivers.

  • GEICO: $397 per year
  • Mercury: $426 per year

Chubb's minimum coverage policy in Sunnyvale is the most expensive at $736 per year. This difference of $339 illustrates the significant savings potential for Sunnyvale residents and underscores the value of comparing car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$397Monthly Premium$33
MercuryAnnual Premium$426Monthly Premium$36
ProgressiveAnnual Premium$439Monthly Premium$37
CSAAAnnual Premium$455Monthly Premium$38
KemperAnnual Premium$500Monthly Premium$42
State FarmAnnual Premium$527Monthly Premium$44
Capital Insurance GroupAnnual Premium$537Monthly Premium$45
FarmersAnnual Premium$570Monthly Premium$48

State Minimum Liability Requirements

For drivers in California, state law sets the standard for car insurance minimums. Here's what's required:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability per accident

If you're insured for the minimum and cause an accident injuring another driver, your policy covers up to $15,000 for their injuries. If their medical bills exceed that, you'll need to pay the difference out-of-pocket. The per-accident limit stands at $30,000, so for multiple people hurt in the same accident, the total coverage won't exceed this cap.

Cheapest Full Coverage Car Insurance in Sunnyvale

In Sunnyvale, Progressive offers the cheapest full coverage car insurance, ensuring that drivers can get comprehensive protection at a reasonable cost.

  • Progressive: $995 per year
  • GEICO: $1,073 per year

Farmers offers the most expensive full coverage policy in Sunnyvale, at $1,967 annually. The difference of $972 between the cheapest and the priciest emphasizes the need to shop around for full coverage car insurance to save money. Full coverage policies are more expensive than minimum because they provide extensive protection against a variety of incidents.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$995Monthly Premium$83
GEICOAnnual Premium$1,073Monthly Premium$89
MercuryAnnual Premium$1,127Monthly Premium$94
AllstateAnnual Premium$1,151Monthly Premium$96
National GeneralAnnual Premium$1,219Monthly Premium$102
KemperAnnual Premium$1,303Monthly Premium$109
Capital Insurance GroupAnnual Premium$1,316Monthly Premium$110
State FarmAnnual Premium$1,381Monthly Premium$115

Do You Need Full Coverage in California?

A full coverage policy in Sunnyvale includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Sunnyvale After a Driving Offense

Capital Insurance Group is the most affordable option in Sunnyvale for drivers with various driving incidents looking to secure a full coverage policy. The differences among rates highlight how particular offenses impact insurance costs:

  • Speeding ticket: Capital Insurance Group ($1,515 per year)
  • At-fault accident: Capital Insurance Group ($1,558 per year)
  • DUI: National General ($1,278 per year)

Hartford exhibits the most expensive rates for these offenses. The severity of incidents sometimes plays a significant role in auto insurance rates, but this is not the case in Sunnyvale.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,278Monthly Premium$107
MercuryAnnual Premium$1,486Monthly Premium$124
Capital Insurance GroupAnnual Premium$1,515Monthly Premium$126
GEICOAnnual Premium$1,590Monthly Premium$133
AllstateAnnual Premium$1,666Monthly Premium$139
KemperAnnual Premium$1,731Monthly Premium$144
CSAAAnnual Premium$1,797Monthly Premium$150
ProgressiveAnnual Premium$1,862Monthly Premium$155

In Sunnyvale, as well as in other cities, insurance rates typically increase with the severity of a driving violation due to the higher risk posed by drivers with serious offenses. In Sunnyvale, individuals with a speeding ticket may see an average annual rate of $1,987, compared with a much steeper average of $3,376 for those with a DUI.

This substantial discrepancy underscores the importance of comparing insurance rates, particularly for drivers with offenses, to ensure they are saving as much money as possible on their premiums.

Cheapest Car Insurance in Sunnyvale for Teens and Their Families

State Farm offers the cheapest option in Sunnyvale for full coverage car insurance for teens.

  • State Farm: $2,511 per year for female and male teens
  • GEICO: $2,713 per year for female teens and $2,860 per year for male teens

These rates show that shopping around is important, particularly when adding a teen to a policy. With teens considered higher-risk drivers, the difference between the cheapest and most expensive policies in Sunnyvale can be substantial.

Nationwide has the most expensive teen family policy at $4,879 annually for female teens, showing a staggering $2,368 difference when compared with State Farm. This emphasizes the significance of comparing options to ensure families receive the most cost-effective insurance coverage.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,511Individual Plan Monthly Premium$2,780
GEICOFamily Plan Annual Premium$2,713Individual Plan Monthly Premium$3,063
FarmersFamily Plan Annual Premium$2,847Individual Plan Monthly Premium$4,197
AllstateFamily Plan Annual Premium$2,934Individual Plan Monthly Premium$3,160
ProgressiveFamily Plan Annual Premium$2,998Individual Plan Monthly Premium$3,294
Capital Insurance GroupFamily Plan Annual Premium$3,056Individual Plan Monthly Premium$2,984
TravelersFamily Plan Annual Premium$3,626Individual Plan Monthly Premium$3,278
KemperFamily Plan Annual Premium$3,954Individual Plan Monthly Premium$5,278

In Sunnyvale, teens seeking car insurance independently could face an average annual premium of $3,945, significantly higher than the $3,296 average if they opt into a family plan. The difference is primarily due to the elevated risk associated with young, inexperienced drivers, which insurers mitigate by charging higher premiums. For teens, securing an individual policy can be challenging because providers may be hesitant to underwrite policies for high-risk individuals without the buffer of a family plan's broader risk pool. Thus, families with teen drivers may find substantial savings and greater approval rates by incorporating them into their existing auto insurance plans.

Cheapest Car Insurance in Sunnyvale for Military Drivers

Progressive is the cheapest option in Sunnyvale for people seeking the cheapest car insurance for military backgrounds.

  • Progressive: $995 per year
  • GEICO: $1,073 per year

While USAA ranks fifth with an annual premium of $1,199, it may offer more tailored services to active duty military members. USAA is acknowledged for its dedication to serving the unique needs of the military community.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$995Monthly Premium$83
GEICOAnnual Premium$1,073Monthly Premium$89
MercuryAnnual Premium$1,127Monthly Premium$94
AllstateAnnual Premium$1,151Monthly Premium$96
USAAAnnual Premium$1,199Monthly Premium$100
National GeneralAnnual Premium$1,219Monthly Premium$102
KemperAnnual Premium$1,303Monthly Premium$109
Capital Insurance GroupAnnual Premium$1,316Monthly Premium$110

How to Compare Cheap Sunnyvale Car Insurance Quotes Online

In Sunnyvale, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 19, 2024

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Best Car Insurance in Sunnyvale: Summary

Selecting the best auto insurance for you hinges on various factors, such as service quality, cost, coverage options, and more. MoneyGeek used tailored scoring metrics for each category to determine the top car insurance providers in Sunnyvale, revealing the following results:

  • Best overall: Capital Insurance Group (MoneyGeek score: 82 out of 100)
  • Best for service: Chubb (MoneyGeek score: 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score: 80 out of 100)

With different winners in each category, customers have distinct choices based on their preferences. Mercury could be the go-to for those prioritizing savings without significantly compromising service quality. Chubb offers good customer service. Finally, Capital Insurance Group strikes a balance, providing strong performance in both service and affordability, making it the best overall choice.

Best Overall Car Insurance in Sunnyvale

Capital Insurance Group offers the best option for car insurance in Sunnyvale with its combination of value and customer satisfaction.

  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,316 per year)
  • Chubb: MoneyGeek score of 80 out of 100 ($1,775 per year)

Capital Insurance Group distinguishes itself with a dominant performance in customer satisfaction and affordability. These factors make Capital Insurance Group an excellent choice for consumers seeking a full coverage policy that balances cost with extensive services.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
82/ of 100

Overview

Capital Insurance Group distinguishes itself with high customer satisfaction and claims handling scores. The company offers Rental Car and/or Travel Reimbursement and Roadside Assistance, ensuring fundamental assistance is readily available for drivers.

Capital Insurance Group provides valuable coverages like Full Glass Coverage, ensuring hassle-free repairs in the event of glass damage. Custom Parts Coverage is particularly advantageous for those with enhanced vehicles, offering replacements with name-brand auto parts, a must-have for maintaining vehicle integrity and performance.

Best Car Insurance in Sunnyvale for Customer Service

Chubb is the best option in Sunnyvale for car insurance service. These scores are based on its high customer satisfaction, robust claims handling and comprehensive coverages, without a predominant focus on rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,775 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,316 per year)

The biggest contributors to Chubb’s MoneyGeek score are its unrivaled satisfaction and claims handling, making the company a frontrunner in the car insurance market of Sunnyvale.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb's range of car insurance options includes the rare Agreed Value Coverage, ideal for those seeking assurance on the valuation of their car in the event of a loss. Antique/Classic Car Insurance is another specialty offering that caters to the unique needs of classic car enthusiasts.

Additionally, the widely applicable Original Equipment Manufacturer (OEM) Coverage means customers can ensure their vehicle repairs utilize original parts, preserving integrity and value.

Best Cheap Car Insurance Companies in Sunnyvale

Mercury is the best option in Sunnyvale for consumers seeking affordable and reliable car insurance.

  • Mercury: MoneyGeek score of 80 out of 100 ($426 per year)
  • Capital Insurance Group: MoneyGeek score of 78 out of 100 ($537 per year)

Affordability heavily influences Mercury’s top ranking, along with strong customer satisfaction and claims handling, making it a leading choice for cost-conscious drivers in Sunnyvale.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
80/ of 100

Overview

With an average annual premium of just $426, the average driver enjoys robust protection with Mercury for a minimal expense per year. Mercury is comprehensive in its range of discounts, offering Bundling, Multiple Car, Safe Driving and Automatic Payment discounts.

Policyholders can also benefit from the reasonably rare Automatic Payment discount, which promotes ease and reliability of payment while potentially reducing costs. Additionally, the Paperless discount not only makes for a seamless, eco-friendly experience but may also offer financial savings, underscoring its usefulness to a contemporary, environmentally conscious driver base.

Average Cost of Car Insurance in Sunnyvale

Car insurance costs are a critical aspect of personal budgeting for vehicle owners. In Sunnyvale, California, drivers can anticipate an average car insurance premium of $1,632, higher than the California state average of $1,562. California's state average is $219 less than the national average of $1,781, indicating that car insurance in the Golden State is relatively more affordable overall.

The factors influencing car insurance premiums extend well beyond simply where a driver lives. However, location plays a significant role in determining rates. Insurers consider the likelihood of accidents, theft and vandalism, and these risks can vary greatly from one area to another.

The least expensive average city premium in California is Santa Maria, with a premium of $1,106, while the most expensive city is Glendale, with a notable increase to $2,115. This demonstrates a significant premium range within the state. Moreover, rates can plunge even further in non-city areas, where lower traffic density often leads to more favorable insurance costs.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.