Cupertino, CA Car Insurance

Residents of Cupertino pay, on average, about $57 per month for car insurance. We cover plan rates, policies and more in our guide below.
How does Cupertino stack up to the rest of the area, or even California as a whole? What should residents of Cupertino expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Cupertino?

Area Average Monthly Car Insurance Premium
Cupertino$57
CA$56
United States$80

As you can see in the chart above, it costs about the same to insure your vehicle in Cupertino as it does in the rest of California.

When stacked up against the national average, the average monthly policy payment for Cupertino is more affordable. The average monthly payment for the United States as a whole is about $23 more expensive than in Cupertino.

These may be the average auto insurance rates for Cupertino, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Cupertino so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$69
25-34$55
35-44$52
45-54Not Enough Data
55-64$51
65+$49

The longer you've been behind the wheel, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates start to rise again once you hit retirement age in Cupertino.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$49

Car insurance rates for women are generally cheaper than they are for men. In Cupertino, male drivers pay about $10 more per month. Based on the chart above, you can see that female drivers pay around $49 on average, while male drivers typically pay $59 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$82
Multiple Accidents$45
1 Ticket$86
Multiple Tickets$93

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Cupertino with one accident will pay around $82 a month. In addition, drivers with a single ticket on their record can expect to pay around $86 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$66
4-5 Years$48
6-7 Years$49
8-10 Years$56
11-14 Years$59
15 Years or Older$55

If you look at the first table above, you'll see that cars, trucks, and vans are usually the cheapest vehicles to insure in Cupertino, with drivers paying around $53 per month for insurance coverage.

SUV owners, however, pay about $71 per month for auto insurance coverage.

Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. In Cupertino, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$61
Divorced$52
Widowed$38

More often than not, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Cupertino is no exception, with the difference totaling to around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$55
Live with parents$66

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $6 less than homeowners in Cupertino. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Cupertino, CA

Recent trends in car insurance for Cupertino drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Cupertino, auto insurance rates increased from 2016-2017, when they hit a high of $67. This pattern changed in 2018, when they began to decrease, and have continued on that path through 2021, when rates reached a low of $40 a month.

How does Cupertino compare to neighboring areas?

Why are car insurance rates in Cupertino different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Area crime rates
  • Local regulations
  • Amount of drivers
  • Road Safety (how many accidents each locality has)
  • Off-street parking access

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Cupertino?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Cupertino.

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Cupertino Insurance FAQs

What factors affect car insurance quotes in Cupertino?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Cupertino different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Cupertino?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Cupertino?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Cupertino or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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