Cheapest and Best Car Insurance Companies in Sunnyvale, CA

Based on 2023 quotes, MoneyGeek found that GEICO offers the cheapest minimum coverage auto insurance in Sunnyvale, CA. GEICO is also the overall best insurer, with a balance of service and affordability.

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 + BestCar InsuranceSunnyvale

2023

Cheapest and Best Car Insurance in Sunnyvale, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$345	$29
GEICO	$348	$29
GEICO	$352	$29
GEICO	$414	$35
CSAA	$438	$37
Progressive	$439	$37
Progressive	$440	$37
CSAA	$444	$37
State Farm	$457	$38
Mercury	$469	$39
Mercury	$481	$40
CSAA	$481	$40
Kemper	$500	$42
Travelers	$517	$43
Progressive	$517	$43
Travelers	$518	$43
State Farm	$522	$43
Nationwide	$547	$46
Nationwide	$568	$47
Kemper	$576	$48
Mercury	$586	$49
State National	$589	$49
Capital Insurance Group	$589	$49
Travelers	$591	$49
State National	$606	$51
Capital Insurance Group	$610	$51
Farmers	$610	$51
National General	$614	$51
Allstate	$619	$52
Allstate	$621	$52
Farmers	$629	$52
National General	$632	$53
Hartford	$634	$53
Allstate	$669	$56
Capital Insurance Group	$683	$57
Farmers	$713	$59
State National	$720	$60
Nationwide	$720	$60
Hartford	$725	$60
Chubb	$736	$61
National General	$757	$63
Kemper	$758	$63
Chubb	$758	$63
State Farm	$857	$71
GEICO	$915	$76
Hartford	$932	$78
GEICO	$946	$79
Progressive	$959	$80
Progressive	$967	$81
National General	$1,014	$84
National General	$1,029	$86
Chubb	$1,052	$88
Allstate	$1,071	$89
GEICO	$1,090	$91
State Farm	$1,097	$91
Allstate	$1,119	$93
Progressive	$1,156	$96
Mercury	$1,159	$97
Mercury	$1,185	$99
National General	$1,231	$103
Capital Insurance Group	$1,238	$103
Nationwide	$1,239	$103
Allstate	$1,243	$104
CSAA	$1,244	$104
CSAA	$1,252	$104
State Farm	$1,284	$107
Hartford	$1,295	$108
Kemper	$1,303	$109
Capital Insurance Group	$1,313	$109
State National	$1,325	$110
Travelers	$1,337	$111
Nationwide	$1,346	$112
CSAA	$1,362	$113
Travelers	$1,396	$116
State National	$1,426	$119
Capital Insurance Group	$1,478	$123
Hartford	$1,488	$124
Mercury	$1,530	$128
Farmers	$1,532	$128
Farmers	$1,564	$130
Kemper	$1,606	$134
Travelers	$1,659	$138
Nationwide	$1,761	$147
State National	$1,763	$147
Chubb	$1,775	$148
Chubb	$1,831	$153
Farmers	$1,855	$155
Hartford	$1,921	$160
Kemper	$1,935	$161
Chubb	$2,611	$218

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$345	$29
GEICO	$348	$29
GEICO	$352	$29
GEICO	$414	$35
CSAA	$438	$37
Progressive	$439	$37
Progressive	$440	$37
CSAA	$444	$37
State Farm	$457	$38
Mercury	$469	$39
Mercury	$481	$40
CSAA	$481	$40
Kemper	$500	$42
Travelers	$517	$43
Progressive	$517	$43
Travelers	$518	$43
State Farm	$522	$43
Nationwide	$547	$46
Nationwide	$568	$47
Kemper	$576	$48
Mercury	$586	$49
State National	$589	$49
Capital Insurance Group	$589	$49
Travelers	$591	$49
State National	$606	$51
Capital Insurance Group	$610	$51
Farmers	$610	$51
National General	$614	$51
Allstate	$619	$52
Allstate	$621	$52
Farmers	$629	$52
National General	$632	$53
Hartford	$634	$53
Allstate	$669	$56
Capital Insurance Group	$683	$57
Farmers	$713	$59
State National	$720	$60
Nationwide	$720	$60
Hartford	$725	$60
Chubb	$736	$61
National General	$757	$63
Kemper	$758	$63
Chubb	$758	$63
State Farm	$857	$71
GEICO	$915	$76
Hartford	$932	$78
GEICO	$946	$79
Progressive	$959	$80
Progressive	$967	$81
National General	$1,014	$84
National General	$1,029	$86
Chubb	$1,052	$88
Allstate	$1,071	$89
GEICO	$1,090	$91
State Farm	$1,097	$91
Allstate	$1,119	$93
Progressive	$1,156	$96
Mercury	$1,159	$97
Mercury	$1,185	$99
National General	$1,231	$103
Capital Insurance Group	$1,238	$103
Nationwide	$1,239	$103
Allstate	$1,243	$104
CSAA	$1,244	$104
CSAA	$1,252	$104
State Farm	$1,284	$107
Hartford	$1,295	$108
Kemper	$1,303	$109
Capital Insurance Group	$1,313	$109
State National	$1,325	$110
Travelers	$1,337	$111
Nationwide	$1,346	$112
CSAA	$1,362	$113
Travelers	$1,396	$116
State National	$1,426	$119
Capital Insurance Group	$1,478	$123
Hartford	$1,488	$124
Mercury	$1,530	$128
Farmers	$1,532	$128
Farmers	$1,564	$130
Kemper	$1,606	$134
Travelers	$1,659	$138
Nationwide	$1,761	$147
State National	$1,763	$147
Chubb	$1,775	$148
Chubb	$1,831	$153
Farmers	$1,855	$155
Hartford	$1,921	$160
Kemper	$1,935	$161
Chubb	$2,611	$218

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.

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.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
State Farm	$524	$44
GEICO	$530	$44
GEICO	$535	$45
CSAA	$545	$45
CSAA	$545	$45
State Farm	$549	$46
CSAA	$552	$46
CSAA	$552	$46
CSAA	$599	$50
CSAA	$599	$50
Mercury	$602	$50
Mercury	$618	$52
GEICO	$625	$52
GEICO	$629	$52
GEICO	$633	$53
National General	$648	$54
National General	$648	$54
Capital Insurance Group	$648	$54
Kemper	$664	$55
National General	$668	$56
National General	$668	$56
Capital Insurance Group	$672	$56
Capital Insurance Group	$685	$57
State Farm	$694	$58
Capital Insurance Group	$711	$59
State Farm	$724	$60
GEICO	$744	$62
Capital Insurance Group	$754	$63
Mercury	$754	$63
Mercury	$756	$63
Kemper	$768	$64
Mercury	$773	$64
Progressive	$777	$65
Progressive	$781	$65
Travelers	$785	$65
Travelers	$788	$66
State Farm	$792	$66
Capital Insurance Group	$798	$67
National General	$800	$67
National General	$800	$67
State Farm	$827	$69
GEICO	$828	$69
Farmers	$830	$69
Farmers	$830	$69
State National	$833	$69
State National	$833	$69
GEICO	$836	$70
Mercury	$838	$70
Nationwide	$844	$70
Progressive	$852	$71
Farmers	$855	$71
Farmers	$855	$71
Progressive	$857	$71
State National	$858	$72
State National	$858	$72
Allstate	$859	$72
Mercury	$859	$72
Allstate	$863	$72
Travelers	$869	$72
Travelers	$869	$72
Nationwide	$879	$73
Travelers	$908	$76
Hartford	$917	$76
Hartford	$917	$76
Progressive	$918	$77
National General	$922	$77
Progressive	$926	$77
Progressive	$926	$77
Allstate	$937	$78
Nationwide	$941	$78
Chubb	$945	$79
Mercury	$946	$79
National General	$951	$79
Chubb	$967	$81
Farmers	$971	$81
Farmers	$971	$81
Nationwide	$978	$82
GEICO	$985	$82
Allstate	$989	$82
Allstate	$993	$83
Travelers	$1,003	$84
Kemper	$1,011	$84
Progressive	$1,018	$85
Capital Insurance Group	$1,018	$85
State National	$1,023	$85
State National	$1,023	$85
Farmers	$1,037	$86
Travelers	$1,050	$88
Mercury	$1,053	$88
Travelers	$1,055	$88
Capital Insurance Group	$1,056	$88
Hartford	$1,060	$88
Hartford	$1,060	$88
National General	$1,065	$89
National General	$1,065	$89
Farmers	$1,068	$89
Allstate	$1,080	$90
State Farm	$1,081	$90
National General	$1,081	$90
National General	$1,081	$90
Progressive	$1,100	$92
Nationwide	$1,119	$93
Kemper	$1,138	$95
Kemper	$1,138	$95
National General	$1,142	$95
Chubb	$1,146	$96
Chubb	$1,169	$97
Capital Insurance Group	$1,186	$99
Farmers	$1,213	$101
Travelers	$1,222	$102
Nationwide	$1,248	$104
Chubb	$1,259	$105
State Farm	$1,271	$106
National General	$1,294	$108
National General	$1,294	$108
State Farm	$1,332	$111
GEICO	$1,368	$114
Kemper	$1,383	$115
Kemper	$1,383	$115
Hartford	$1,391	$116
Hartford	$1,391	$116
GEICO	$1,414	$118
Capital Insurance Group	$1,416	$118
State Farm	$1,429	$119
Capital Insurance Group	$1,459	$122
Chubb	$1,462	$122
Chubb	$1,483	$124
Nationwide	$1,492	$124
CSAA	$1,500	$125
National General	$1,504	$125
Capital Insurance Group	$1,504	$125
Chubb	$1,505	$125
State National	$1,505	$125
CSAA	$1,523	$127
Mercury	$1,525	$127
National General	$1,528	$127
GEICO	$1,537	$128
Allstate	$1,550	$129
State National	$1,551	$129
Capital Insurance Group	$1,552	$129
Nationwide	$1,554	$130
Mercury	$1,562	$130
CSAA	$1,573	$131
CSAA	$1,573	$131
CSAA	$1,585	$132
CSAA	$1,585	$132
GEICO	$1,586	$132
Allstate	$1,623	$135
State Farm	$1,629	$136
GEICO	$1,629	$136
State Farm	$1,632	$136
CSAA	$1,658	$138
Capital Insurance Group	$1,698	$142
State Farm	$1,706	$142
CSAA	$1,723	$144
CSAA	$1,723	$144
Kemper	$1,731	$144
Kemper	$1,736	$145
Kemper	$1,736	$145
Capital Insurance Group	$1,749	$146
Allstate	$1,763	$147
Allstate	$1,774	$148
Progressive	$1,795	$150
Chubb	$1,797	$150
Progressive	$1,809	$151
Allstate	$1,810	$151
GEICO	$1,829	$152
National General	$1,831	$153
State National	$1,861	$155
State National	$1,882	$157
State National	$1,882	$157
State Farm	$1,905	$159
Mercury	$1,908	$159
Allstate	$1,917	$160
Nationwide	$1,918	$160
Hartford	$1,928	$161
Hartford	$1,928	$161
Allstate	$1,935	$161
Progressive	$1,950	$162
Mercury	$1,952	$163
Progressive	$1,961	$163
Nationwide	$1,990	$166
State Farm	$1,996	$166
Allstate	$2,016	$168
Travelers	$2,017	$168
Mercury	$2,024	$169
State National	$2,027	$169
State National	$2,027	$169
Mercury	$2,044	$170
Mercury	$2,085	$174
Nationwide	$2,086	$174
Travelers	$2,103	$175
Farmers	$2,114	$176
Farmers	$2,114	$176
Kemper	$2,135	$178
Nationwide	$2,136	$178
GEICO	$2,157	$180
Farmers	$2,159	$180
Farmers	$2,159	$180
Progressive	$2,176	$181
Hartford	$2,193	$183
Progressive	$2,205	$184
Capital Insurance Group	$2,213	$184
Progressive	$2,217	$185
Hartford	$2,228	$186
Hartford	$2,228	$186
GEICO	$2,230	$186
Travelers	$2,235	$186
Allstate	$2,258	$188
Chubb	$2,324	$194
Nationwide	$2,325	$194
Travelers	$2,326	$194
Capital Insurance Group	$2,354	$196
Progressive	$2,364	$197
Chubb	$2,382	$199
State National	$2,510	$209
State National	$2,510	$209
Travelers	$2,525	$210
Mercury	$2,533	$211
Farmers	$2,562	$213
Farmers	$2,562	$213
GEICO	$2,570	$214
Kemper	$2,576	$215
Hartford	$2,577	$215
State Farm	$2,628	$219
Farmers	$2,642	$220
Capital Insurance Group	$2,658	$222
Progressive	$2,675	$223
Farmers	$2,699	$225
Mercury	$2,701	$225
Nationwide	$2,740	$228
Travelers	$2,797	$233
Travelers	$2,797	$233
Chubb	$2,858	$238
Kemper	$2,874	$239
Kemper	$2,874	$239
Hartford	$2,900	$242
Hartford	$2,900	$242
Chubb	$2,913	$243
Travelers	$2,923	$244
Nationwide	$3,060	$255
Chubb	$3,161	$263
Farmers	$3,202	$267
Allstate	$3,360	$280
State Farm	$3,369	$281
Nationwide	$3,399	$283
Hartford	$3,467	$289
State National	$3,508	$292
Allstate	$3,531	$294
Travelers	$3,536	$295
Kemper	$3,642	$303
Kemper	$3,642	$303
Chubb	$3,693	$308
Nationwide	$3,703	$309
Chubb	$3,744	$312
State National	$3,784	$315
Chubb	$3,800	$317
State Farm	$3,938	$328
Allstate	$3,956	$330
Kemper	$4,287	$357
Kemper	$4,287	$357
CSAA	$4,432	$369
CSAA	$4,464	$372
Chubb	$4,580	$382
Hartford	$4,645	$387
State National	$4,703	$392
CSAA	$4,862	$405
Nationwide	$4,888	$407
Hartford	$5,412	$451
Hartford	$7,161	$597

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.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,199	$1,918
GEICO	$1,227	$1,964
GEICO	$1,229	$2,163
GEICO	$1,243	$2,063
GEICO	$1,257	$2,012
GEICO	$1,264	$2,223
GEICO	$1,282	$2,349
GEICO	$1,298	$2,284
GEICO	$1,423	$2,119
Progressive	$1,441	$2,266
Progressive	$1,441	$2,266
GEICO	$1,470	$2,420
Progressive	$1,560	$2,453
Progressive	$1,560	$2,453
Allstate	$1,609	$2,601
Allstate	$1,609	$2,601
Capital Insurance Group	$1,622	$2,083
Capital Insurance Group	$1,622	$2,083
Progressive	$1,669	$3,031
Progressive	$1,669	$3,031
Allstate	$1,684	$2,723
Allstate	$1,684	$2,723
Kemper	$1,686	$3,396
Kemper	$1,686	$3,396
Nationwide	$1,696	$3,513
Nationwide	$1,696	$3,513
Allstate	$1,727	$3,025
Allstate	$1,727	$3,025
State Farm	$1,734	$2,542
State Farm	$1,734	$2,542
Allstate	$1,745	$2,820
Allstate	$1,745	$2,820
Progressive	$1,748	$2,748
Progressive	$1,748	$2,748
Kemper	$1,780	$3,586
Kemper	$1,780	$3,586
State Farm	$1,804	$2,645
State Farm	$1,804	$2,645
GEICO	$1,832	$3,080
State Farm	$1,835	$2,869
State Farm	$1,835	$2,869
State Farm	$1,845	$2,706
State Farm	$1,845	$2,706
Capital Insurance Group	$1,847	$2,467
Capital Insurance Group	$1,847	$2,467
Allstate	$1,851	$3,038
Allstate	$1,851	$3,038
Nationwide	$1,859	$3,852
Nationwide	$1,859	$3,852
Kemper	$1,874	$4,217
Kemper	$1,874	$4,217
GEICO	$1,904	$3,552
Nationwide	$1,919	$4,405
Nationwide	$1,919	$4,405
Capital Insurance Group	$1,922	$2,467
Capital Insurance Group	$1,922	$2,467
Capital Insurance Group	$1,922	$2,467
Capital Insurance Group	$1,922	$2,467
Kemper	$1,936	$3,901
Kemper	$1,936	$3,901
Farmers	$1,950	$2,786
Farmers	$1,950	$2,786
State Farm	$1,966	$2,925
State Farm	$1,966	$2,925
Nationwide	$1,993	$4,128
Nationwide	$1,993	$4,128
GEICO	$2,004	$2,983
Travelers	$2,026	$2,743
Travelers	$2,026	$2,743
Progressive	$2,070	$3,325
Progressive	$2,070	$3,325
GEICO	$2,083	$3,429
State Farm	$2,087	$3,257
State Farm	$2,087	$3,257
Travelers	$2,097	$2,840
Travelers	$2,097	$2,840
State Farm	$2,106	$3,134
State Farm	$2,106	$3,134
Allstate	$2,123	$3,873
Allstate	$2,123	$3,873
Travelers	$2,140	$3,047
Travelers	$2,140	$3,047
Capital Insurance Group	$2,145	$2,775
Capital Insurance Group	$2,145	$2,775
Allstate	$2,158	$3,542
Allstate	$2,158	$3,542
Kemper	$2,170	$4,471
Kemper	$2,170	$4,471
Farmers	$2,183	$3,231
Farmers	$2,183	$3,231
Travelers	$2,186	$2,959
Travelers	$2,186	$2,959
Capital Insurance Group	$2,224	$2,775
Capital Insurance Group	$2,224	$2,775
Nationwide	$2,246	$4,829
Nationwide	$2,246	$4,829
Farmers	$2,261	$3,231
Farmers	$2,261	$3,231
Farmers	$2,261	$3,231
Farmers	$2,261	$3,231
State Farm	$2,319	$4,130
State Farm	$2,319	$4,130
Kemper	$2,350	$4,843
Kemper	$2,350	$4,843
Kemper	$2,371	$5,340
Kemper	$2,371	$5,340
Capital Insurance Group	$2,381	$3,081
Capital Insurance Group	$2,381	$3,081
Travelers	$2,387	$3,198
Travelers	$2,387	$3,198
Farmers	$2,442	$3,705
Farmers	$2,442	$3,705
State Farm	$2,459	$4,379
State Farm	$2,459	$4,379
State Farm	$2,511	$4,906
State Farm	$2,511	$4,906
GEICO	$2,531	$4,454
Progressive	$2,581	$4,705
Progressive	$2,581	$4,705
Travelers	$2,591	$3,690
Travelers	$2,591	$3,690
Travelers	$2,631	$3,525
Travelers	$2,631	$3,525
Farmers	$2,640	$4,266
Farmers	$2,640	$4,266
GEICO	$2,653	$5,177
Farmers	$2,664	$4,041
Farmers	$2,664	$4,041
GEICO	$2,713	$4,973
Progressive	$2,743	$4,405
Progressive	$2,743	$4,405
Nationwide	$2,768	$6,676
Nationwide	$2,768	$6,676
Farmers	$2,779	$5,497
Farmers	$2,779	$5,497
GEICO	$2,783	$4,898
Allstate	$2,833	$5,569
Allstate	$2,833	$5,569
Farmers	$2,847	$5,750
Farmers	$2,847	$5,750
Farmers	$2,856	$5,650
Farmers	$2,856	$5,650
GEICO	$2,860	$5,852
GEICO	$2,929	$5,716
Allstate	$2,934	$5,866
Allstate	$2,934	$5,866
Nationwide	$2,952	$6,348
Nationwide	$2,952	$6,348
Progressive	$2,979	$5,982
Progressive	$2,979	$5,982
Allstate	$2,984	$5,866
Allstate	$2,984	$5,866
Progressive	$2,998	$6,034
Progressive	$2,998	$6,034
Progressive	$3,010	$6,044
Progressive	$3,010	$6,044
Capital Insurance Group	$3,056	$3,813
Capital Insurance Group	$3,056	$3,813
Capital Insurance Group	$3,056	$3,813
Capital Insurance Group	$3,056	$3,813
Capital Insurance Group	$3,056	$3,813
Capital Insurance Group	$3,056	$3,813
Travelers	$3,463	$4,653
Travelers	$3,463	$4,653
Kemper	$3,576	$7,291
Kemper	$3,576	$7,291
Travelers	$3,618	$4,861
Travelers	$3,618	$4,861
Travelers	$3,626	$5,101
Travelers	$3,626	$5,101
Kemper	$3,918	$7,987
Kemper	$3,918	$7,987
Kemper	$3,954	$8,903
Kemper	$3,954	$8,903
Nationwide	$4,204	$9,025
Nationwide	$4,204	$9,025
Nationwide	$4,727	$10,148
Nationwide	$4,727	$10,148
Nationwide	$4,879	$12,248
Nationwide	$4,879	$12,248

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$345	$29
GEICO	$348	$29
GEICO	$352	$29
USAA	$394	$33
USAA	$394	$33
GEICO	$414	$35
CSAA	$438	$37
Progressive	$439	$37
Progressive	$440	$37
CSAA	$444	$37
State Farm	$457	$38
Mercury	$469	$39
USAA	$479	$40
Mercury	$481	$40
CSAA	$481	$40
Kemper	$500	$42
Travelers	$517	$43
Progressive	$517	$43
Travelers	$518	$43
State Farm	$522	$43
Nationwide	$547	$46
Nationwide	$568	$47
Kemper	$576	$48
Mercury	$586	$49
State National	$589	$49
Capital Insurance Group	$589	$49
Travelers	$591	$49
State National	$606	$51
Capital Insurance Group	$610	$51
Farmers	$610	$51
National General	$614	$51
Allstate	$619	$52
Allstate	$621	$52
Farmers	$629	$52
National General	$632	$53
Hartford	$634	$53
Allstate	$669	$56
Capital Insurance Group	$683	$57
Farmers	$713	$59
State National	$720	$60
Nationwide	$720	$60
Hartford	$725	$60
Chubb	$736	$61
National General	$757	$63
Kemper	$758	$63
Chubb	$758	$63
State Farm	$857	$71
USAA	$877	$73
USAA	$898	$75
GEICO	$915	$76
Hartford	$932	$78
GEICO	$946	$79
Progressive	$959	$80
Progressive	$967	$81
National General	$1,014	$84
National General	$1,029	$86
Chubb	$1,052	$88
Allstate	$1,071	$89
USAA	$1,078	$90
GEICO	$1,090	$91
State Farm	$1,097	$91
Allstate	$1,119	$93
Progressive	$1,156	$96
Mercury	$1,159	$97
Mercury	$1,185	$99
National General	$1,231	$103
Capital Insurance Group	$1,238	$103
Nationwide	$1,239	$103
Allstate	$1,243	$104
CSAA	$1,244	$104
CSAA	$1,252	$104
State Farm	$1,284	$107
Hartford	$1,295	$108
Kemper	$1,303	$109
Capital Insurance Group	$1,313	$109
State National	$1,325	$110
Travelers	$1,337	$111
Nationwide	$1,346	$112
CSAA	$1,362	$113
Travelers	$1,396	$116
State National	$1,426	$119
Capital Insurance Group	$1,478	$123
Hartford	$1,488	$124
Mercury	$1,530	$128
Farmers	$1,532	$128
Farmers	$1,564	$130
Kemper	$1,606	$134
Travelers	$1,659	$138
Nationwide	$1,761	$147
State National	$1,763	$147
Chubb	$1,775	$148
Chubb	$1,831	$153
Farmers	$1,855	$155
Hartford	$1,921	$160
Kemper	$1,935	$161
Chubb	$2,611	$218

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.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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?

pros

Second cheapest premium at $946 per year

Solid customer satisfaction reputation

Offers mechanical breakdown insurance

cons

Subpar claims management

Doesn’t offer OEM coverage and gap insurance

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

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?

pros

Excellent customer service reputation

Efficient claims management

Automatically includes original equipment manufacturer (OEM) coverage

cons

Lacks roadside assistance coverage and gap insurance

COMPANY HIGHLIGHTS

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?

pros

An affordable minimum coverage policy costs $352 per year

Offers discounts for bundling, airbags and anti-lock brakes

Strong customer service reputation

cons

Poor claims management

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

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

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Sunnyvale, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Sunnyvale

Cheapest Full Coverage Car Insurance in Sunnyvale

Cheapest Car Insurance in Sunnyvale After a Driving Offense

Cheapest Car Insurance in Sunnyvale for Teens and Their Families

Cheapest Car Insurance in Sunnyvale for Military Drivers

How to Compare Cheap Sunnyvale Car Insurance Quotes Online

Best Car Insurance in Sunnyvale: Summary

Best Overall Car Insurance in Sunnyvale

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Sunnyvale for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Sunnyvale

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Sunnyvale