Compare Sunnyvale, CA Car Insurance Rates (2021)

The cheapest Sunnyvale, CA car insurance is offered by GEICO, but some drivers who can’t afford coverage may qualify for the California Low-Cost Auto program. Sunnyvale auto insurance must meet the state minimum liability requirements of 15/30/5. However, drivers are encouraged to increase the limits on their Sunnyvale insurance policy and carry additional coverages to avoid costly payouts.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 19, 2021

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Here's what you need to know...

  • GEICO offers the cheapest car insurance rates on average in Sunnyvale, CA
  • Sunnyvale is part of the larger San Francisco metropolitan area and shares a large traffic volume with the bigger city
  • Drivers may qualify for the California Low-Cost Auto program if they can’t afford car insurance

Although Sunnyvale, CA car insurance is more expensive than the national average, it is still cheaper than the average California car insurance rates.

The good news is that it is possible to find affordable Sunnyvale, CA car insurance if you shop around. Compare quotes from several companies to find the one that offers cheap car insurance that’s right for you.

Enter your ZIP code now to compare Sunnyvale, CA car insurance rates from multiple companies for free today.

What is the cheapest car insurance company in Sunnyvale, CA?

The cheapest car insurance company on average in Sunnyvale is GEICO. It’s important to remember that rates will vary by driver.

The top Sunnyvale, CA car insurance companies listed from cheapest to most expensive are:

  • GEICO – $2,486.19
  • Progressive – $2,596.17
  • USAA – $2,598.89
  • Liberty Mutual – $2,903.74
  • Travelers – $3,171.34
  • State Farm – $3,664.79
  • Allstate – $4,156.32
  • Farmers – $4,541.86
  • Nationwide – $4,553.78

Car insurance rates are affected by many different factors, such as your age and driving record. Many companies will also use gender to determine your rates, but California is one of the few states that doesn’t allow it.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, although the cities are close together, San Francisco car insurance is more expensive than coverage in Sunnyvale.

California also offers low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program provides cheap, basic coverage for drivers who meet certain requirements.

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What car insurance coverage is required in Sunnyvale, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally. California is no exception.

The minimum auto insurance requirements in California for Sunnyvale drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

Consider adding collision and comprehensive coverages. Collision insurance helps pay for damages from an accident. Comprehensive insurance covers damages not resulting from an accident, such as damages from Sunnyvale, CA weather.

What affects car insurance rates in Sunnyvale, CA?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for Sunnyvale, it does list nearby San Francisco as the sixth most congested city in the U.S. and the 38th most congested city in the world.

In fact, City-Data reports that most drivers in Sunnyvale, CA commute around 35 minutes, but a large number of drivers commute an hour or more. Although most drivers make their commute alone, a significant number carpool or take public transportation.

Theft in your city can also increase your car insurance rates. According to the FBI, there were 298 motor vehicle thefts in Sunnyvale in one year.

Sunnyvale, CA Car Insurance: The Bottom Line

Sunnyvale car insurance is expensive, but some drivers may qualify for low-cost insurance through the state if they meet certain criteria.

Before you buy Sunnyvale, CA car insurance, shop around and compare rates from multiple companies. Rates will vary by company so comparison shopping is a must.

Enter your ZIP code to compare Sunnyvale, CA car insurance quotes today.

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