The cost of car insurance is influenced by factors, such as your driving history, age and coverage preferences.
Based on our analysis, GEICO has the cheapest rates if you’re looking for a minimum and full coverage policy. Meanwhile, National General is the most affordable provider after a driving violation, and State Farm offers the lowest rates for teen drivers. Military-affiliated drivers can get the cheapest premiums from USAA.
Cheapest and Best Car Insurance in Sunnyvale, CA
Cheapest Minimum Liability Car Insurance in Sunnyvale
If you're seeking minimum coverage auto insurance in Sunnyvale, the most cost-effective options are:
- GEICO: $352 per year
- CSAA: $438 per year
Chubb is the most expensive insurer, with an average annual cost of $736 for minimum coverage.
The minimum coverage limits for liability insurance are set by state law. In California, you must obtain bodily injury and property damage coverage with the following limits:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
In case of an accident where you are at fault, liability-only insurance pays for damages to the other driver and their passengers.
If you have $15,000 per person for bodily injury liability, your insurance provider will cover medical expenses up to that amount. You are responsible for any amount exceeding this coverage limit.
Cheapest Full Coverage Car Insurance in Sunnyvale
MoneyGeek’s research shows that the following companies provide the most affordable full coverage car insurance in Sunnyvale:
- GEICO: $946 per year
- Progressive: $967 per year
Chubb has the most expensive full coverage rates at $1,775 per year.
Full coverage insurance goes beyond basic liability-only insurance and provides additional protections for your vehicle.
- Collision Insurance: Pays for damages to your vehicle following an accident, such as a collision with another car or object.
- Comprehensive Insurance: Covers damages to your vehicle from non-accident events, such as theft or weather damage.
Full coverage insurance is generally recommended for newer vehicles to protect your investment. However, if you have an older car, a full coverage policy could cost more than the car is worth.
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Cheapest Car Insurance in Sunnyvale After a Driving Offense
MoneyGeek's analysis indicates the following companies provide the most affordable rates for Sunnyvale drivers with driving violations:
- Speeding Ticket: National General ($1,065 per year)
- At-Fault Accident: National General ($1,504 per year)
- DUI: National General ($1,065 per year)
Conversely, these providers have the highest premiums in Sunnyvale after a driving offense:
- Speeding Ticket: Nationwide ($2,325 per year)
- At-Fault Accident: Kemper ($2,874 per year)
- DUI: Hartford ($5,412 per year)
Even if you opt for a low-cost car insurance provider in Sunnyvale, having a driving violation can result in a significant insurance premium increase.
In Sunnyvale, the severity of your driving violation can significantly impact your car insurance rates. Typically, a more serious offense results in a higher surcharge.
For instance, having a DUI in Sunnyvale can raise your premiums by around $1,908, compared to $558 for speeding tickets. However, you can still find cheap car insurance with a bad driving record by shopping around.
Cheapest Car Insurance in Sunnyvale for Teens and Their Families
In Sunnyvale, the following car insurance providers offer the most affordable rates for teen drivers who are part of a family policy:
- State Farm: $2,511 per year for female and male teens
- Farmers: $2,847 per year for male teens
- GEICO: $2,713 per year for female teens
Nationwide has the most expensive car insurance premiums for teen drivers in Sunnyvale, with an average annual cost of $4,879.
Male teens generally pay higher rates than female teens because boys are seen as riskier to insure. However, this can vary among insurers, and the differences in rates between genders decrease in early adulthood.
Car insurance for teen drivers can be expensive, especially if you’re buying a separate policy. Luckily, adding your teen driver to a family policy can result in savings.
In Sunnyvale, a 16-year-old boy can expect to pay approximately $673 more for an individual policy versus being added to a family policy. You can save a significant amount each year by searching for cheap car insurance for teens and comparing offers from several providers.
Cheapest Car Insurance in Sunnyvale for Military Drivers
MoneyGeek's research found that the following auto insurance providers offer the most affordable full coverage policies in Sunnyvale for those with a military background:
- USAA: $898 per year
- GEICO: $946 per year
For minimum coverage policies, GEICO offers the cheapest rates at around $352 per year. USAA is the second-cheapest car insurance for military-affiliated drivers at roughly $394 per year.
How to Compare Cheap Sunnyvale Car Insurance Quotes Online
Getting car insurance quotes online can be tedious and time-consuming and often requires sharing personal information. Typically, it takes about 15 minutes to get a quote from a single provider.
MoneyGeek's car insurance calculator simplifies this process. By just entering basic information such as age, vehicle, driving record and desired coverage level, you can receive car insurance estimates instantly.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Sunnyvale: Summary
MoneyGeek has ranked the top car insurance companies in Sunnyvale based on various factors, including service quality, affordability, coverage options and more. We find the following are the best in their categories:
- Best overall: GEICO (MoneyGeek score 81 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: GEICO (MoneyGeek score 78 out of 100)
A company's overall MoneyGeek score can be influenced by the weightings of its respective category. Additionally, the best provider for you may vary depending on your location. Although our top pick in Sunnyvale is GEICO, our analysis shows that CSAA is the best car insurance company in California.
Our analysis shows that USAA is the best car insurance provider for those with a military background, with a MoneyGeek score of 84 out of 100.
Best Overall Car Insurance in Sunnyvale
Based on MoneyGeek's analysis, the best overall car insurance companies in Sunnyvale are:
- GEICO: MoneyGeek score 75 out of 100 ($946 per year)
- Progressive: MoneyGeek score 74 out of 100 ($967 per year)
GEICO stands out as Sunnyvale's best overall car insurance option due to its affordable rates and high-quality customer service. This means GEICO offers a low price without sacrificing the quality of its service. Meanwhile, USAA is our top pick for those with a military affiliation, receiving a MoneyGeek score of 85 out of 100.
How was this MoneyGeek score calculated?
Second cheapest premium at $946 per year
Solid customer satisfaction reputation
Offers mechanical breakdown insurance
Subpar claims management
Doesn’t offer OEM coverage and gap insurance
GEICO is the overall best car insurance provider in Sunnyvale. It offers the second-lowest rates in the city while providing great customer service. The company also provides useful endorsements that enhance the protection you receive.
For example, GEICO offers roadside assistance coverage, which pays for flat tire repair, towing, jump-starting batteries and lockout services. You can also add a travel reimbursement to your GEICO policy. This rider pays for a rental car if your vehicle is deemed undriveable for over 24 hours due to a covered accident.
GEICO offers Mechanical Breakdown Insurance (MBI). Unlike most dealer warranties that only cover a limited list of components, this optional add-on is more affordable and covers all parts and systems in your vehicle. You can purchase MBI for new or leased vehicles less than 15 months old and driven under 15,000 miles.
Best Car Insurance in Sunnyvale for Customer Service
If we focus solely on customer service and don’t consider cost, these car insurance providers in Sunnyvale are standout options:
- Chubb: MoneyGeek score 76 out of 100 ($1,775 per year)
- Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,313 per year)
Chubb is the top choice for drivers who value customer service, thanks to its outstanding customer service and claims management reputation. However, it’s also the most expensive option among the 15 car insurance companies analyzed in Sunnyvale, highlighting the trade-off between high-quality service and cost.
How was this MoneyGeek score calculated?
Excellent customer service reputation
Efficient claims management
Automatically includes original equipment manufacturer (OEM) coverage
Lacks roadside assistance coverage and gap insurance
If customer service is your top priority, Chubb is MoneyGeek’s pick as the best auto insurer in Sunnyvale. The company provides top-notch customer service and effective claims management, ensuring smooth transactions for its customers.
Chubb also offers useful add-on riders that enhance the protection of their policies. For example, its Agreed Value coverage allows you and the insurer to agree on the value of your car when the policy is created. In the event of theft or a total loss, you will receive a check for the agreed value, potentially saving you thousands of dollars.
Additionally, in the event of a covered accident, Chubb covers the cost of OEM parts to return your car to its pre-accident appearance, feel and functionality. This rare add-on is automatically included in your policy at no additional cost.
Best Cheap Car Insurance in Sunnyvale
After analyzing the affordability and quality of service of minimum coverage car insurance policies in California, MoneyGeek has identified these top providers in Sunnyvale:
- GEICO: MoneyGeek score 78 out of 100 ($352 per year)
- Progressive: MoneyGeek score 69 out of 100 ($439 per year)
Although minimum coverage policies have lower premiums, they also offer limited protection against liability expenses and no coverage for damages to your car in case of a collision. You can save money in the short term with a minimum coverage policy, but you risk a significant financial loss in case of an accident.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $352 per year
Offers discounts for bundling, airbags and anti-lock brakes
Strong customer service reputation
Poor claims management
GEICO is our top car insurance provider in Sunnyvale if you’re looking for minimum coverage policies. It offers a balance of competitive rates and great customer service.
Additionally, you can take advantage of various discount opportunities from GEICO to further reduce your car insurance costs. The company has the usual discounts for good students, bundling, safe driving, anti-theft systems and driver’s education.
But GEICO also offers rare discounts for new vehicles, anti-lock brakes, daytime running lights and seatbelt use. If you are a teacher, senior driver, federal employee or affiliated with the military, you can also qualify for a discount.
Average Cost of Car Insurance in Sunnyvale
MoneyGeek’s research shows that the average cost of full coverage auto insurance in Sunnyvale is $1,279 per year. This rate is for a policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
Sunnyvale’s average car insurance is $108 more affordable than the average cost of car insurance in California as of October 2022. However, it costs $14 more than the national average. This difference shows how location can impact your car insurance rates.
About Mark Fitzpatrick