Cupertino, CA Car Insurance

What rates should residents of Cupertino expect to pay for their car insurance? How does Cupertino stack up to the rest of the area, or even California as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Cupertino?

As you can see in the chart above, car insurance rates in Cupertino are slightly less expensive than the rest of California.

If you're thinking of moving to Cupertino from out of state, you may still be in luck. It's about $27 cheaper to insure your vehicle in Cupertino compared to the average rate for the U.S. as a whole.

Keep in mind that these are the average auto insurance rates for Cupertino, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

But worry not, we've done the heavy lifting and broken down the average rate for Cupertino to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $23 more than someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up in Cupertino.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Cupertino is around $8 a month. Based on the chart above, you can see that female drivers pay around $48 on average, while male drivers typically pay $56 each month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Cupertino, drivers with one accident on their record will experience rates around $74 a month. Similarly, drivers with one ticket will typically pay around $69 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Cupertino are by and large cars, trucks, and vans, at $51 per month.

The monthly rate for SUV owners, however, is about $65 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Cupertino, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

The difference in rates based on relationship status in Cupertino is about $5 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $8 a month less than drivers who own property in Cupertino. Those who live with their parents, however, can expect to pay a lot more.

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

Car Insurance Companies in Cupertino, CA

Recent trends in car insurance for Cupertino 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.

Policy premiums in Cupertino had been decreasing steadily from 2017-2021. They finished up in 2022, at $46 per month

How does Cupertino compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

• Area crime rates
• Local regulations
• Off-street parking access
• Amount of drivers in the region
• Road safety

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Cupertino?

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.

Good news! Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Cupertino in no time.

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Cupertino Insurance FAQs

What factors affect car insurance quotes in Cupertino?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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.