Sunnyvale, CA Car Insurance

How much is auto insurance in Sunnyvale?


Car insurance costs an average of $1,681 per year in Sunnyvale, California. That's cheaper than the average in California ($1,868) and pricier than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Sunnyvale.


SUNNYVALE CAR INSURANCE RATES
Sunnyvale Average (yearly)California AverageNational Average
$1,681$1,868$1,548

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Sunnyvale car insurance costs by company


One of the most important determinants of your car insurance rates is the insurance company you work with. In Sunnyvale, GEICO offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Sunnyvale — but don't forget to get personalized car insurance quotes to match your driving profile.


SUNNYVALE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
GEICO$1,089
Mercury$1,397
AAA$1,595
Alliance$1,738
State Farm$1,782

Read our guide to finding the best cheap auto insurance.



Sunnyvale auto insurance premiums by age

The age bracket that pays the least for auto insurance in Sunnyvale consists of drivers in their age_50s, who pay an average of $1,516. Drivers in their age_60s pay marginally higher rates — $1,517 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Sunnyvale. When Sunnyvale drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Sunnyvale is $3,791, the largest such difference between any two age brackets.


CAR INSURANCE RATES BY AGE TIER IN SUNNYVALE
AgeAverage Yearly Rate
Teenagers$6,287
20s$2,496
30s$1,637
40s$1,586
50s$1,516
60s$1,517
70s$1,774

Learn more about the impact of age on auto insurance rates.



Sunnyvale auto insurance rates by marital status and gender


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in Sunnyvale pay $71 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Sunnyvale, widowed drivers pay less than those who are single.

Gender is another factor that can affect car insurance rates. In Sunnyvale, female drivers pay $5 per year more than do male drivers for car insurance.


SUNNYVALE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,686
Male$1,681
Single$1,610
Married$1,610
Divorced$1,681
Widowed$1,635

Learn more about how gender and marital status have on insurance rates.



Sunnyvale auto insurance costs by citation and accident history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Sunnyvale, a reckless driving citation results in an average insurance rate increase of $2,825 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,727 increase and a speeding ticket triggers a $683 rate hike.


SUNNYVALE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Annual Rate
DWI/DUI$4,408
Reckless Driving$4,506
At-fault Accident (damages less than $1,000)$1,689
At-fault Accident (damages greater than $2,000)$2,961
Speeding Ticket (16-20 mph over speed limit)$2,364

Get more info on how a bad driving history can impact your car insurance costs.



Sunnyvale auto insurance rates by credit level


Credit score is often closely correlated with car insurance costs. Sunnyvale drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Sunnyvale, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.


SUNNYVALE AUTO INSURANCE PREMIUMS BY CREDIT TIER
Credit ScoreAverage Rate (annual)
Very Poor$1,681
Fair$1,681
Good$1,681
Very Good$1,681
Exceptional$1,681

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.