Cupertino Car Insurance

How much does car insurance cost in Cupertino, CA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Cupertino?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Cupertino typically pay around $137.12 per month compared to the national average of $141.72 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $141.72
California $149.91
Cupertino, California $137.12

Cupertino, CA Best Car Insurance Companies

car insurance in Cupertino

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Mercury Insurance Company generally has the most affordable car insurance in Cupertino coming in around $111.28 per month. Other companies to consider if you live in Cupertino is SAFECO with an average cost of $115.00 per month and Esurance which typically runs around $122.97 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Cupertino.

RankCompanyAverage Monthly RateComparison State Average
1 Mercury Insurance Company $111.28-25.77%
2 SAFECO $115.00-23.29%
3 Esurance $122.97-17.97%
4 USAA $138.41-7.67%
5 Infinity Special $162.618.47%
6 CSAA $163.469.04%
7 Grange $165.9910.72%
8 California Capital $168.4112.34%
9 State Farm $170.2113.54%
10 21st Century $170.2713.58%

How Much is Car Insurance in Cupertino, CA?

how much is auto insurance in Cupertino

Rates can vary from city to city. The residents of Anaheim typically pay $151.93 per month while people who live in Bakersfield will pay $136.14 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Anaheim $151.93
Bakersfield $136.14
Cupertino $137.44
Fresno $135.05
Long Beach $157.46
Los Angeles $192.35
Oakland $165.57
Pasadena $165.98
Riverside $148.40
Sacramento $146.91
San Bernardino $148.87
San Diego $130.01
San Francisco $166.21
San Jose $140.03
Santa Barbara $127.73
Stockton $140.98

Cheap Car Insurance in Cupertino by Zip Codes

find cheap auto insurance in Cupertino

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Cupertino, CA ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Cupertino

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $224.02 per month in Cupertino. Compare that to drivers in their 30’s who typically pay around $121.24 per month drivers in their 40s at $122.91 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Cupertino

If you are teen in Cupertino you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, State Farm typically charges around $173.17 per month. This is likely the most affordable option in Cupertino. You might also want to consider USAA and Allstate who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$173.17
California Capital$212.28
Auto Club$227.44

Cheapest Insurance for 20 Year-olds in Cupertino

20 year-olds in Cupertino might want to consider Esurance who, on average, offers car insurance rates around $162.30 per month. USAA , CSAA , California Capital and Mercury Insurance Company are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
California Capital$214.04
Mercury Insurance Company$216.31

Cheapest Insurance for 30 Year-olds in Cupertino

If you are in your 30s in Cupertino our research has found that Mercury Insurance Company typically has the most affordable coverage coming in around $70.98 per month, followed by Infinity Special at $77.48 and SAFECO at $105.66.

CompanyAverage Monthly Rate
Mercury Insurance Company$70.98
Infinity Special$77.48

Cheapest Insurance for 40 Year-olds in Cupertino

On average, Esurance offers car insurance for 40 year-olds in Cupertino for around $107.87 per month. If you are looking for affordable coverage, you may also want to consider USAA or 21st Century. The full list of top companies is below.

CompanyAverage Monthly Rate
21st Century$136.41

Cheapest Insurance for 50 Year-olds in Cupertino

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Cupertino we found that Esurance generally offers the most affordable coverage at $97.75 per month.

CompanyAverage Monthly Rate
Mercury Insurance Company$99.07

Cheapest Insurance for 60 Year-olds in Cupertino

If you live in Cupertino and you’re in your 60s, our data indicates that Esurance usually has the best rates at $95.13 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
21st Century$96.89
State Farm$106.77

Driver's Coverage Auto Insurance Rates in Cupertino, CA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Cupertino, the average monthly rate for a driver who is currently insured is $127.52 while drivers who are not currently covered will pay around $150.29.

CoverageAverage Monthly Rate
Not Currently Insured $150.29
Currently Insured $127.52

Compare Recent Car Insurance Quotes in Cupertino

auto insurance quotes in Cupertino city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Cupertino a driver of a 2014 Nissan Juke can expect to pay around $144.56 per month while someone that owns a 2019 Toyota Rav4 may pay around $100.05 per month. Check out the list of recent quotes in Cupertino below.

VehicleAverage Monthly Rate
2014 Nissan Juke$144.56
2019 Toyota Rav4$100.05
2023 Volkswagen Tiguan$86.77
2007 Toyota Camry$342.15
2022 Toyota Prius$141.03
2018 Nissan Rogue$118.77
2022 Subaru WRX$184.82
2021 Bmw X3$121.04
2015 Toyota Rav4$106.39
2018 Bmw X1$231.52

FAQ's for Drivers in Cupertino, CA

driver’s frequently asked question in Cupertino

What Is the Minimum Liability Coverage Requirement in Cupertino, CA?

Every state requires drivers to have a minimum amount of liability coverage. California drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $30,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $5,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In California, you are legally required to obtain something called liability insurance.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Cupertino, CA?

It is illegal for an individual to operate a motor vehicle in California with the following BAC percentages:

  • .08%+ @ 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .01%+ @ < 21 years old

What are the chemical test refusal penalties in California?

According to California’s implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.

Check Out Other Rates in Cupertino, CA Nearby Cities:

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San Jose, CA



Commute Time in Cupertino, CA

28.1 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Cupertino, CA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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