In Sunnyvale, the average cost for full coverage car insurance is $126 per month. Costs range from a low $122 to a high $301, depending on factors like the driver's profile and vehicle type. To help understand potential costs, the table below outlines average car insurance rates for various driver profiles.
Sunnyvale, CA, Car Insurance
Updated: January 13, 2025
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Cheapest Car Insurance in Sunnyvale: Key Takeaways
In the city, GEICO, Progressive, State Farm, National General and Capital Insurance Group are the most affordable car insurance companies, offering competitive rates for various profiles.
GEICO offers the cheapest minimum coverage at $33 per month, while Progressive provides the most affordable full coverage at $83 per month, making them top choices for budget-conscious drivers.
On average, car insurance costs $52 per month for minimum coverage and $126 for full coverage, though these rates can vary based on individual driver profiles and circumstances.
Car Insurance Quotes in Sunnyvale, CA
| Young Drivers | $63 | $156 |
| Teens | No Data | $283 |
| Seniors | $51 | $122 |
| Drivers With a Speeding Ticket | $72 | $177 |
| Drivers With a DUI | $121 | $301 |
| Drivers With An Accident | $82 | $199 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Sunnyvale vs. State Average
California
State Average Full Coverage Rate
$1,659
Sunnyvale, CA
City Average Full Coverage Rate
$1,508More:$151 saved
This is 9% less expensive.
What Is the Average Car Insurance Rate in Sunnyvale?
In Sunnyvale, full coverage car insurance costs about $1,508 per year, while minimum coverage is $620 annually. These rates are lower than the California averages of $1,659 and $693, respectively, making Sunnyvale a more affordable choice for car insurance.
| State Average | $693 | $1,659 |
| Sunnyvale Average | $620 | $1,508 |
Cheapest Car Insurance Companies in Sunnyvale
Even with rising premiums in California, you can still find affordable car insurance in Sunnyvale. GEICO offers the cheapest minimum coverage at $33 per month. For full coverage, Progressive has the best rate at $83 per month.
WHY CAR INSURANCE IN SUNNYVALE IS CHEAP
Car insurance is inexpensive in Sunnyvale due to local factors like traffic density and accident rates. The city ranks low among California cities for insurance costs. Statewide, costs are driven up by a high number of uninsured drivers, frequent personal injury lawsuits and insurance fraud.
Cheap Car Insurance in Sunnyvale
GEICO is often the cheapest for minimum coverage, but rates vary for each driver. To find the most affordable car insurance, get quotes from several providers. Below is a table showing the cheapest rates for different driver profiles.
| GEICO | Minimum Coverage | $33 |
| Progressive | Full Coverage | $83 |
| State Farm | Teens | $197 |
| GEICO | Young Adults | $70 |
| GEICO | Seniors | $59 |
| National General | Drivers With a DUI | $80 |
| Capital Insurance Group | Drivers With An Accident | $91 |
| National General | Drivers With a Speeding Ticket | $80 |
Car Insurance Rates in Sunnyvale by Company
Compare rates from different companies to get the cheapest car insurance in Sunnyvale. Below are the most affordable options for both minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Sunnyvale
GEICO offers the cheapest minimum coverage auto insurance at $33 per month. Progressive follows closely at $37. The table below breaks down the most affordable options.
| GEICO | $33 | $19 |
| Progressive | $37 | $15 |
| CSAA | $40 | $11 |
| Kemper | $42 | $10 |
| State Farm | $44 | $8 |
| Mercury | $44 | $8 |
| Capital Insurance Group | $45 | $7 |
| National General | $50 | $2 |
| Farmers | $50 | $2 |
| State National | $51 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Sunnyvale
Progressive offers the cheapest full coverage car insurance in Sunnyvale at $83 per month. Below is a list of car insurance providers available in the area.
| Allstate | $125 | $0 |
| Capital Insurance Group | $110 | $16 |
| GEICO | $89 | $36 |
| Hartford | $121 | $4 |
| Kemper | $109 | $17 |
| Mercury | $108 | $18 |
| National General | $102 | $24 |
| Progressive | $83 | $43 |
| State Farm | $115 | $11 |
| State National | $119 | $7 |
Car Insurance Companies in Sunnyvale
For affordable car insurance in Sunnyvale, get quotes from several providers. Progressive has the cheapest annual rate at $717. Capital Insurance Group is the best inexpensive option, with a MoneyGeek score of 85. Check the table below for more choices.
| Capital Insurance Group | 85 | $927 |
| Mercury | 77 | $914 |
| Chubb | 76 | $1,877 |
| State Farm | 74 | $954 |
| GEICO | 70 | $735 |
| Progressive | 70 | $717 |
| Nationwide | 67 | $1,149 |
| CSAA | 65 | $1,007 |
| Travelers | 64 | $1,231 |
| Hartford | 61 | $1,073 |
| Farmers | 61 | $1,363 |
| Kemper | 60 | $901 |
| Allstate | 59 | $1,188 |
| National General | 57 | $909 |
| State National | No Data | $1,016 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Sunnyvale by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates annually at $1,508 for 40-year-olds and $1,463 for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,288 | $-574 |
| 17 | $3,276 | $-562 |
| 18 | $3,089 | $-375 |
| 19 | $2,361 | $353 |
| 20 | $2,421 | $293 |
| 21 | $2,107 | $607 |
| 22 | $1,828 | $886 |
| 23 | $1,879 | $835 |
| 24 | $1,801 | $913 |
| 25 | $1,878 | $-95 |
| 40 | $1,508 | $275 |
| 65 | $1,463 | $320 |
Cheapest Car Insurance for Teens in Sunnyvale
State Farm offers the cheapest overall car insurance for teens in Sunnyvale, with a monthly rate of $195. This saves families $55 compared to the state's average cost. The table below outlines more affordable options for teen drivers in the area.
| State Farm | $195 | $55 | $197 |
| GEICO | $210 | $40 | $242 |
| Allstate | $227 | $24 | $238 |
| Farmers | $232 | $19 | $322 |
| Capital Insurance Group | $237 | $13 | $232 |
| Progressive | $241 | $9 | $259 |
| Travelers | $277 | $-27 | $245 |
| Kemper | $288 | $-38 | $365 |
| Nationwide | $345 | $-95 | $449 |
Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Sunnyvale
In Sunnyvale, GEICO offers the best minimum coverage rates for young drivers at $39 per month. Progressive is the most affordable for full coverage at $99. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| GEICO | Minimum Coverage | $39 |
| Progressive | Full Coverage | $99 |
| National General | Drivers With a DUI | $97 |
| Capital Insurance Group | Drivers With An Accident | $102 |
| National General | Drivers With a Speeding Ticket | $97 |
Cheapest Car Insurance Companies for Young Drivers in Sunnyvale
GEICO offers the most affordable auto insurance for young drivers at $70 monthly. The table below shows other companies with competitive rates for more savings.
| GEICO | $70 | $40 |
| Progressive | $71 | $39 |
| Capital Insurance Group | $87 | $23 |
| CSAA | $91 | $19 |
| National General | $92 | $18 |
| State Farm | $93 | $17 |
| Mercury | $97 | $13 |
| State National | $103 | $6 |
| Allstate | $108 | $1 |
Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Sunnyvale
GEICO and National General offer seniors the most affordable car insurance rates, but prices vary based on individual factors. The table below highlights the cheapest providers for different driver and coverage profiles, helping you find the best fit.
| GEICO | Minimum Coverage | $32 |
| Progressive | Full Coverage | $82 |
| National General | Drivers With a DUI | $81 |
| Capital Insurance Group | Drivers With An Accident | $86 |
| National General | Drivers With a Speeding Ticket | $81 |
Cheapest Car Insurance Companies for Seniors in Sunnyvale
GEICO offers the cheapest monthly premium for seniors for both minimum and full coverage at $59. Progressive also has a monthly rate of $59. The table below shows the top car insurance providers for seniors in Sunnyvale.
| GEICO | $59 | $27 |
| Progressive | $59 | $27 |
| State Farm | $62 | $25 |
| Capital Insurance Group | $73 | $13 |
| Mercury | $76 | $11 |
| National General | $77 | $10 |
| Hartford | $78 | $9 |
| State National | $80 | $7 |
| CSAA | $86 | $1 |
Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Sunnyvale
In Sunnyvale, high-risk drivers pay $1,100 for minimum coverage and $2,712 for full coverage, which is lower than the state averages of $1,239 and $2,989, respectively. Drivers with DUI face the highest insurance costs, while those with accidents and speeding tickets see less impact on their rates.
| Sunnyvale Average | $1,100 | $2,712 |
| State Average | $1,239 | $2,989 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents in Sunnyvale, like a not-at-fault accident or a speeding ticket, are considered by insurers for three to five years. For serious offenses such as a DUI, insurers may take it into account for up to 10 years, and you might need to file an SR-22 or an FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Sunnyvale
National General offers the cheapest minimum coverage for drivers with a DUI in Sunnyvale at $633 per year. It also has the best rate for full coverage at about $1,284 annually. Check the table below for more low-cost coverage options.
| National General | $53 | $107 |
| Mercury | $71 | $178 |
| Progressive | $77 | $190 |
| Capital Insurance Group | $77 | $197 |
| GEICO | $78 | $209 |
Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Sunnyvale
CSAA, Capital Insurance Group and GEICO offer the cheapest auto insurance after an at-fault accident in Sunnyvale. Below is a table showing other insurers providing affordable coverage for drivers with a violation.
| Capital Insurance Group | $52 | $130 |
| GEICO | $59 | $149 |
| CSAA | $50 | $161 |
| State Farm | $70 | $179 |
| Farmers | $68 | $245 |
Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Sunnyvale
Capital Insurance Group is the cheapest car insurance provider for drivers with speeding tickets in Sunnyvale, offering minimum coverage at $49. CSAA is the most affordable for full coverage at $161. Check the table below to see how other providers charge drivers with this violation on record.
| National General | $53 | $107 |
| Capital Insurance Group | $49 | $126 |
| GEICO | $50 | $133 |
| Kemper | $55 | $144 |
| CSAA | $50 | $161 |
Rates are for a 40-year-old driver with good credit and a speeding ticket.
Minimum Car Insurance Requirements in Sunnyvale, CA
In California, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
If you're involved in an accident causing $4,000 in property damage, your minimum coverage would handle the costs. However, exceeding these limits means paying out of pocket.
Cheap Car Insurance in Sunnyvale: Bottom Line
GEICO is Sunnyvale's most affordable option for minimum coverage car insurance at $33 monthly. Drivers of all kinds, from the young to the seasoned, can find cost-effective policies that suit their needs. Remember, your insurance should cover California's basics: bodily injury liability and property damage. By comparing insurers, you'll secure rates that are kind to your wallet and meet the Golden State's standards.
Sunnyvale Auto Insurance: FAQ
This section answers common questions about finding affordable and best car insurance options in Sunnyvale. Discover how to secure the best deals while understanding minimum coverage requirements and other essential details.
What is the cheapest car insurance company in Sunnyvale, CA?
GEICO offers the cheapest car insurance in Sunnyvale, with a monthly rate for minimum coverage at $33.
What is the best car insurance company in Sunnyvale, CA?
Capital Insurance Group is Sunnyvale's best car insurance provider, with a MoneyGeek score of 85 out of 100. Minimum coverage costs approximately $927 annually.
How much does car insurance cost on average in Sunnyvale?
The average monthly car insurance cost in Sunnyvale for minimum coverage ranges from $51 for seniors to $121 for drivers with a DUI.
Best Cheap Car Insurance in Sunnyvale: Our Methodology
MoneyGeek analyzed Sunnyvale auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Sunnyvale Driver Profile
To assess the best and most affordable auto insurance options for Sunnyvale residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Sunnyvale
In assessing the car insurance quotes for Sunnyvale, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Sunnyvale
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Sunnyvale.
For more details on our evaluation process, explore MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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's also a 5-time Jeopardy champion!
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.