Cheapest and Best Car Insurance in Hayward, CA (July 2024)


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Updated: July 1, 2024

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In Hayward, the cheapest car insurance depends on your coverage and driver profile. For full coverage, Progressive offers the lowest rates, while families with teens find State Farm most economical, differing from CSAA for minimum coverage. For customer service, Chubb excels but doesn't top Capital Insurance Group, which provides the best overall value in price and service. Ultimately, the right choice varies with personal preferences and coverage necessities.

MoneyGeek Logo IconBest & CheapestCar InsuranceHayward
2024

Cheapest and Best Car Insurance in Hayward

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Hayward, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Hayward insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Hayward, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Hayward

The cheapest minimum coverage insurance providers in Hayward, California, are the following:

  • CSSA: $433 per year
  • GEICO: $440 per year

Chubb offers the most expensive option for minimum insurance, costing an average of $756 for minimum coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
CSAAAnnual Premium$433Monthly Premium$36
GEICOAnnual Premium$440Monthly Premium$37
ProgressiveAnnual Premium$467Monthly Premium$39
MercuryAnnual Premium$495Monthly Premium$41
FarmersAnnual Premium$528Monthly Premium$44
National GeneralAnnual Premium$573Monthly Premium$48
KemperAnnual Premium$576Monthly Premium$48
Capital Insurance GroupAnnual Premium$578Monthly Premium$48

In California, all cities are bound by state law regarding mandatory car insurance coverage. Here's what Californians must have:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability per accident

If you carry minimum coverage and are at fault in an accident, your insurance covers up to $15,000 for injuries to one person and $30,000 total if multiple people are hurt. But if one person's medical costs exceed $15,000, any amount over that could come out of your pocket.

Cheapest Full Coverage Car Insurance in Hayward

Progressive is the cheapest option in Hayward for drivers seeking the cheapest full coverage car insurance.

  • Progressive: $1,175 per year
  • Allstate: $1,216 per year

Farmers offers the most expensive full coverage policy in Hayward at $2,109 per year, highlighting a substantial $934 difference from Progressive.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,175Monthly Premium$98
AllstateAnnual Premium$1,216Monthly Premium$101
GEICOAnnual Premium$1,217Monthly Premium$101
National GeneralAnnual Premium$1,298Monthly Premium$108
MercuryAnnual Premium$1,412Monthly Premium$118
Capital Insurance GroupAnnual Premium$1,415Monthly Premium$118
CSAAAnnual Premium$1,459Monthly Premium$122
State NationalAnnual Premium$1,473Monthly Premium$123

An expanded coverage policy for Hayward offers elevated liability limits beyond the basic requirements, securing coverage up to $100,000 for bodily harm per individual, $300,000 for total injuries per mishap, and $100,000 for property damage per collision. Succinctly, such coverage is referred to as the 100/300/100 policy.

Full coverage policies include both comprehensive and collision insurance:

  • Collision Insurance: This insurance provides coverage for your car's repair costs if it is damaged in a collision, whether with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage takes effect when your car suffers damage due to incidents that are not collision-related, such as theft or weather damage, natural disasters and being struck by an animal like a deer.

For those with new cars, full coverage insurance is advisable. Yet, the cost of additional coverage may surpass the benefits for older vehicles, considering you might pay hundreds more each year. To decide how much car insurance you need make an informed choice about the necessary amount of car insurance, weigh the considerations of possibly higher premiums against the risk of inadequate coverage.

Cheapest Car Insurance in Hayward After a Driving Offense

MoneyGeek found that National General generally is the cheapest company for drivers with a poor driving record.

  • Speeding Ticket: National General ($1,360 per year)
  • At-fault accident: Capital Insurance Group ($1,670 per year)
  • DUI: National General ($1,360 per year)

Nationwide, Kemper and Hartford have the highest rates for these three offenses.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,360Monthly Premium$113
Capital Insurance GroupAnnual Premium$1,630Monthly Premium$136
AllstateAnnual Premium$1,764Monthly Premium$147
GEICOAnnual Premium$1,810Monthly Premium$151
CSAAAnnual Premium$1,846Monthly Premium$154
MercuryAnnual Premium$1,867Monthly Premium$156
KemperAnnual Premium$2,064Monthly Premium$172
State NationalAnnual Premium$2,092Monthly Premium$174

In Hayward, insurance premiums escalate in response to the severity of driving violations due to increased risks perceived by insurers. For example, drivers with a speeding ticket face an annual premium of roughly $2,185, whereas those with a DUI could see rates of $3,696. Consequently, individuals with traffic offenses stand to benefit significantly from comparing insurance rates.

Cheapest Car Insurance in Hayward for Teens and Their Families

MoneyGeek found that State Farm is the cheapest option in Hayward for families seeking the cheapest car insurance for teens. Check out the two most affordable options:

  • State Farm: $2,881 per year for female teens and $2,881 per year for male teens
  • Farmers: $2,978 per year for female teens and $2,978 per year for male teens

These rates are for policies that combine coverage for two parents and a teen driver. Nationwide has the most expensive teen family policy in Hayward, with rates at $5,295 for female teens.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,881Individual Plan Monthly Premium$3,189
FarmersFamily Plan Annual Premium$2,978Individual Plan Monthly Premium$4,390
AllstateFamily Plan Annual Premium$3,018Individual Plan Monthly Premium$3,252
GEICOFamily Plan Annual Premium$3,080Individual Plan Monthly Premium$3,478
Capital Insurance GroupFamily Plan Annual Premium$3,268Individual Plan Monthly Premium$3,191
ProgressiveFamily Plan Annual Premium$3,563Individual Plan Monthly Premium$3,915
TravelersFamily Plan Annual Premium$3,920Individual Plan Monthly Premium$3,544
KemperFamily Plan Annual Premium$4,729Individual Plan Monthly Premium$6,313

In Hayward, as well as other municipalities, teenagers who opt for individual car insurance policies face significantly higher premiums than those who are covered under a joint family plan. On average, a teen purchasing an individual policy can anticipate annual costs of approximately $4,378, while being added to a family plan averages around $3,655. This is due to the heightened risks associated with insuring inexperienced teen drivers. Insurers perceive teens as higher-risk clients, leading to steeper premiums for individual coverage.

Cheapest Car Insurance in Hayward for Military Drivers

MoneyGeek found that Progressive is the cheapest option in Hayward for service members seeking the cheapest car insurance for military backgrounds.

  • Progressive: $1,175 per year
  • Allstate: $1,216 per year

While USAA ranks fourth in Hayward with an annual rate of $1,220, their services are specifically tailored to meet the needs of active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,175Monthly Premium$98
AllstateAnnual Premium$1,216Monthly Premium$101
GEICOAnnual Premium$1,217Monthly Premium$101
USAAAnnual Premium$1,220Monthly Premium$102
National GeneralAnnual Premium$1,298Monthly Premium$108
MercuryAnnual Premium$1,412Monthly Premium$118
Capital Insurance GroupAnnual Premium$1,415Monthly Premium$118
CSAAAnnual Premium$1,459Monthly Premium$122

How to Compare Cheap Hayward Car Insurance Quotes Online

You can use MoneyGeek's car insurance calculator to instantly yield savings by focusing on key factors including age, driving history, credit score and desired coverage. Input these variables to quickly receive a customized rate estimate.

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Rates updated:

Jul 22, 2024

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Best Car Insurance in Hayward: Overview

Choosing the best auto insurance hinges on prioritizing factors such as service quality, cost-effectiveness, breadth of coverage and other personal preferences. MoneyGeek’s comprehensive analysis reveals that Hayward's top car insurance providers cater to a variety of needs using distinct scoring systems for each category:

  • Best overall: Capital Insurance Group (MoneyGeek score 83 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 77 out of 100)

Capital Insurance Group stands out for those seeking affordability and service. Chubb emerges as the superior choice for customers who want top-tier service. Mercury might appeal most to budget-conscious consumers.

Overall Best Car Insurance in Hayward

MoneyGeek found that Capital Insurance Group is the top provider of the best car insurance in Hayward for drivers looking for quality coverage at competitive rates.

  • Capital Insurance Group: MoneyGeek score of 83 out of 100 ($1,415 per year)
  • Chubb: MoneyGeek score of 82 out of 100 ($1,859 per year)

Capital Insurance Group offers high satisfaction and affordability. Capital Insurance provides a comprehensive full coverage policy that meets the needs of a wide range of drivers in Hayward.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
83/ of 100

Overview

Capital Insurance Group's high MoneyGeek score is due to its customer satisfaction and solid claims handling. It offers roadside assistance but not rental car and/or travel reimbursement. However, it offers full glass coverage and custom parts coverage. Capital Insurance Group also has high scores in claims.

Best Car Insurance in Hayward for Customer Service

MoneyGeek found that Chubb is the best option in Hayward for top-notch customer service in car insurance. This ranking is exclusively based on high customer satisfaction, superior claims handling and comprehensive coverages.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,859 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,415 per year)

Chubb's commitment to resolving claims efficiently and providing an array of coverages tailored to customer needs places it at the top.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb, with its high satisfaction and claims scores, leads when it comes to customer contentment and efficiency in handling claims. It offers rental car and/or travel reimbursement and roadside assistance—Despite not offering gap insurance, Chubb maintains a strong overall position given its high MoneyGeek scores. Chubb's rare coverages, such as antique/classic car Insurance, OEM coverage and diminished value coverage, are standout offerings that cater to specific needs.

Best Cheap Car Insurance Companies in Hayward

MoneyGeek found that Mercury is the best option in Hayward for drivers seeking cheap car insurance without compromising on quality. This provider achieved the highest MoneyGeek score, indicating a balance between affordability, customer satisfaction and claims service quality.

  • Mercury: MoneyGeek score of 77 out of 100 ($495 per year)
  • Capital Insurance Group: MoneyGeek score of 77 out of 100 ($578 per year)

Mercury's MoneyGeek score reflects the company's commitment to offering value to its customers, particularly for minimum coverage policies.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
77/ of 100

Overview

With good affordability and satisfaction metrics, Mercury leads the pack with its comprehensive offerings. With an average annual premium of just $495, Mercury ensures the average driver pays little for minimum coverage annually.

It also offers discounts like automatic payment and senior driver, catering to a range of customers. Mercury also offers four of the most common discounts: bundling, multiple car, safe driving and even an anti-theft system. It also offers a paperless discount and a pay-in-full discount.

Average Cost of Car Insurance in Hayward

Drivers in Hayward can expect an average car insurance cost of $1,549, which may shift based on their chosen provider and personal driving history. The state average in California is $1,387 annually. This is noticeably higher than the national average car insurance rate of $1,265 per year,

Location plays a pivotal role in determining car insurance rates, The city of Glendale has the most expensive premium at $2,433, whereas Santa Maria emerges as the least expensive at $1,251.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.