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How much is car insurance in Sunnyvale?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Sunnyvale is about $6 cheaper than it is in the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in Sunnyvale are below the national average. It's around $30 less to insure your vehicle compared to the average rate for the United States as a whole.
Keep in mind that these are the average auto insurance rates for Sunnyvale, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down the average rate for Sunnyvale residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $31 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Sunnyvale may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Sunnyvale, although women do pay slightly less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Sunnyvale, having a single accident on your record will usually get you rates around $64 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $91.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can get keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$51|
In Sunnyvale, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $48 per month to insure their vehicle.
Car owners, on the other hand, typically pay around $50 per month, while SUV drivers can expect to pay about $53 a month for insurance coverage.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Sunnyvale, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Sunnyvale reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $5 a month more than homeowners in Sunnyvale. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Sunnyvale, CA
Recent trends in car insurance for Sunnyvale drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Sunnyvale, car insurance rates increased from 2016-2017, when they hit a high of $64, but started to turn downward from 2018-2019. They finished down in 2021, at $39.
How does Sunnyvale compare to neighboring areas?
Why are car insurance rates in Sunnyvale different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (total number of local car accidents)
- Regional crime rates
- Amount of off-street parking
- Total number of drivers in the community
- Community laws
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Sunnyvale?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Sunnyvale.
Sunnyvale Insurance FAQs
What factors affect car insurance quotes in Sunnyvale?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Sunnyvale different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Sunnyvale?
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 Sunnyvale?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Sunnyvale or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?