Best Cheap Auto Insurance in Sunnyvale, CA (2021)

The cheapest Sunnyvale, CA auto 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.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 10, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • GEICO offers the cheapest auto 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 auto insurance

Sunnyvale, CA auto insurance rates are cheaper than the average California auto insurance rates, but they are higher than the national average.

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

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

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

On average, the cheapest Sunnyvale, CA auto insurance company is GEICO. It’s important to remember that rates will vary by driver.

The best auto insurance companies in Sunnyvale, CA listed from least 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

Auto 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 auto insurance. For example, although the cities are close together, San Francisco auto 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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What auto 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 auto 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 auto insurance rates. According to theFBI, there were 298 motor vehicle thefts in Sunnyvale in one year.

Sunnyvale, CA Auto Insurance: The Bottom Line

Sunnyvale auto 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 auto 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 auto insurance quotes today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption