Cheapest and Best Car Insurance in Hayward, CA (2023)

In Hayward, GEICO has the cheapest minimum coverage insurance, while National General offers the most affordable full coverage policies, as well as the cheapest plans for drivers with violations. State Farm quotes the lowest rates for teenagers, while USAA is the cheapest for military personnel.

GEICO is the best overall insurer and provides the best cheap insurance in the city. Chubb is the best insurer for customer service. Depending on your driving history and needs, your cheapest and best options may vary.

Cheapest + BestCar InsuranceHayward

2023

Cheapest and Best Car Insurance in Hayward

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Hayward

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

GEICO: $386 per year
CSAA: $415 per year

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

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$382	$32
GEICO	$386	$32
State Farm	$408	$34
CSAA	$415	$35
CSAA	$423	$35
CSAA	$454	$38
GEICO	$456	$38
Progressive	$464	$39
Progressive	$469	$39
Mercury	$483	$40
Mercury	$495	$41
Travelers	$514	$43
Travelers	$515	$43
State Farm	$539	$45
Progressive	$549	$46
Nationwide	$551	$46
Farmers	$565	$47
Nationwide	$572	$48
Kemper	$576	$48
State National	$580	$48
Farmers	$582	$48
Travelers	$588	$49
National General	$589	$49
Hartford	$592	$49
State National	$596	$50
Mercury	$604	$50
National General	$606	$50
Allstate	$611	$51
State Farm	$616	$51
Allstate	$616	$51
Capital Insurance Group	$620	$52
Capital Insurance Group	$643	$54
Farmers	$660	$55
Allstate	$663	$55
Kemper	$665	$55
Hartford	$678	$57
State National	$704	$59
Capital Insurance Group	$720	$60
Nationwide	$722	$60
National General	$725	$60
Chubb	$756	$63
Chubb	$780	$65
Hartford	$878	$73
Kemper	$880	$73
State Farm	$1,016	$85
GEICO	$1,025	$85
National General	$1,051	$88
GEICO	$1,062	$88
National General	$1,064	$89
Chubb	$1,082	$90
Allstate	$1,091	$91
Progressive	$1,124	$94
Progressive	$1,132	$94
Allstate	$1,148	$96
GEICO	$1,224	$102
CSAA	$1,248	$104
Mercury	$1,253	$104
CSAA	$1,258	$105
Allstate	$1,272	$106
National General	$1,273	$106
Mercury	$1,285	$107
State Farm	$1,301	$108
Hartford	$1,313	$109
Capital Insurance Group	$1,313	$109
Nationwide	$1,336	$111
Progressive	$1,358	$113
State National	$1,363	$114
CSAA	$1,396	$116
Capital Insurance Group	$1,396	$116
Travelers	$1,433	$119
Nationwide	$1,459	$122
State National	$1,473	$123
Hartford	$1,507	$126
Travelers	$1,512	$126
State Farm	$1,521	$127
Kemper	$1,554	$130
Capital Insurance Group	$1,571	$131
Farmers	$1,578	$131
Farmers	$1,620	$135
Mercury	$1,670	$139
Travelers	$1,802	$150
State National	$1,818	$151
Chubb	$1,859	$155
Nationwide	$1,908	$159
Kemper	$1,913	$159
Chubb	$1,920	$160
Farmers	$1,924	$160
Hartford	$1,947	$162
Kemper	$2,318	$193
Chubb	$2,739	$228

Depending on the state, different liability coverage minimums apply. California drivers must carry bodily injury and property damage liability coverage of at least the following amounts:

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

Only third-party injuries and property damage will be covered by liability-only insurance coverage. If you have minimum coverage insurance and you cause $25,000 in property damage in an accident, your insurer will only pay $5,000 — you will pay the remaining $20,000 out of your pocket.

Cheapest Full Coverage Car Insurance in Hayward

The following insurance companies offer full coverage auto insurance to drivers in Hayward at the most affordable prices:

National General: $1,051 per year
GEICO: $1,062 per year

Again, Chubb ended up being the most expensive option for full coverage insurance, with an average yearly premium of $1,859.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$382	$32
GEICO	$386	$32
State Farm	$408	$34
CSAA	$415	$35
CSAA	$423	$35
CSAA	$454	$38
GEICO	$456	$38
Progressive	$464	$39
Progressive	$469	$39
Mercury	$483	$40
Mercury	$495	$41
Travelers	$514	$43
Travelers	$515	$43
State Farm	$539	$45
Progressive	$549	$46
Nationwide	$551	$46
Farmers	$565	$47
Nationwide	$572	$48
Kemper	$576	$48
State National	$580	$48
Farmers	$582	$48
Travelers	$588	$49
National General	$589	$49
Hartford	$592	$49
State National	$596	$50
Mercury	$604	$50
National General	$606	$50
Allstate	$611	$51
State Farm	$616	$51
Allstate	$616	$51
Capital Insurance Group	$620	$52
Capital Insurance Group	$643	$54
Farmers	$660	$55
Allstate	$663	$55
Kemper	$665	$55
Hartford	$678	$57
State National	$704	$59
Capital Insurance Group	$720	$60
Nationwide	$722	$60
National General	$725	$60
Chubb	$756	$63
Chubb	$780	$65
Hartford	$878	$73
Kemper	$880	$73
State Farm	$1,016	$85
GEICO	$1,025	$85
National General	$1,051	$88
GEICO	$1,062	$88
National General	$1,064	$89
Chubb	$1,082	$90
Allstate	$1,091	$91
Progressive	$1,124	$94
Progressive	$1,132	$94
Allstate	$1,148	$96
GEICO	$1,224	$102
CSAA	$1,248	$104
Mercury	$1,253	$104
CSAA	$1,258	$105
Allstate	$1,272	$106
National General	$1,273	$106
Mercury	$1,285	$107
State Farm	$1,301	$108
Hartford	$1,313	$109
Capital Insurance Group	$1,313	$109
Nationwide	$1,336	$111
Progressive	$1,358	$113
State National	$1,363	$114
CSAA	$1,396	$116
Capital Insurance Group	$1,396	$116
Travelers	$1,433	$119
Nationwide	$1,459	$122
State National	$1,473	$123
Hartford	$1,507	$126
Travelers	$1,512	$126
State Farm	$1,521	$127
Kemper	$1,554	$130
Capital Insurance Group	$1,571	$131
Farmers	$1,578	$131
Farmers	$1,620	$135
Mercury	$1,670	$139
Travelers	$1,802	$150
State National	$1,818	$151
Chubb	$1,859	$155
Nationwide	$1,908	$159
Kemper	$1,913	$159
Chubb	$1,920	$160
Farmers	$1,924	$160
Hartford	$1,947	$162
Kemper	$2,318	$193
Chubb	$2,739	$228

Increased liability limits are just one aspect of full coverage insurance; it also covers collision and comprehensive insurance.

Collision Insurance: Provides protection in the event your car collides with a stationary object or another vehicle.
Comprehensive Insurance: Pays for non-collision damages to your car resulting from events such as vandalism, theft and weather.

The best way to safeguard your new car is with full coverage insurance. For older, low-value vehicles, spending hundreds of extra dollars per year on full coverage might not be worth it.

Cheapest Car Insurance in Hayward After a Driving Offense

For drivers with the following traffic infractions, our analysis revealed the lowest-priced full coverage insurance providers in Hayward:

Speeding ticket: National General ($1,601 per year)
At-fault accident: National General ($1,557 per year)
DUI: National General ($1,102 per year)

The companies with the highest average annual rates are The Hartford for drivers with DUIs ($5,468), Nationwide for drivers with speeding tickets ($2,524) and Kemper for those with a history of at-fault accidents ($3,418). Even the cheapest insurance provider will be much more expensive for a driver with violations than for a driver with a clean record.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
CSAA	$515	$43
CSAA	$515	$43
CSAA	$524	$44
CSAA	$524	$44
CSAA	$565	$47
CSAA	$565	$47
GEICO	$582	$49
GEICO	$589	$49
Mercury	$619	$52
State Farm	$619	$52
National General	$621	$52
National General	$621	$52
Mercury	$636	$53
National General	$641	$53
National General	$641	$53
State Farm	$648	$54
GEICO	$684	$57
Capital Insurance Group	$685	$57
GEICO	$693	$58
GEICO	$694	$58
Capital Insurance Group	$711	$59
Capital Insurance Group	$721	$60
Capital Insurance Group	$748	$62
National General	$767	$64
National General	$767	$64
Kemper	$767	$64
Farmers	$768	$64
Farmers	$768	$64
Mercury	$776	$65
Mercury	$781	$65
Travelers	$783	$65
Travelers	$786	$65
Farmers	$790	$66
Farmers	$790	$66
Mercury	$796	$66
Capital Insurance Group	$797	$66
GEICO	$814	$68
State Farm	$819	$68
State National	$820	$68
State National	$820	$68
Progressive	$829	$69
Capital Insurance Group	$839	$70
Progressive	$840	$70
State National	$844	$70
State National	$844	$70
Allstate	$848	$71
Nationwide	$851	$71
Hartford	$852	$71
Hartford	$852	$71
State Farm	$855	$71
Allstate	$855	$71
Mercury	$863	$72
Travelers	$868	$72
Travelers	$869	$72
National General	$883	$74
Nationwide	$884	$74
Mercury	$885	$74
Kemper	$886	$74
Farmers	$897	$75
Farmers	$897	$75
Travelers	$906	$75
National General	$910	$76
Progressive	$913	$76
GEICO	$924	$77
Allstate	$925	$77
Progressive	$926	$77
State Farm	$935	$78
GEICO	$935	$78
Nationwide	$947	$79
Farmers	$958	$80
Chubb	$972	$81
Allstate	$975	$81
State Farm	$977	$81
Mercury	$978	$82
Allstate	$984	$82
Nationwide	$984	$82
Farmers	$987	$82
Hartford	$988	$82
Hartford	$988	$82
Progressive	$992	$83
Progressive	$993	$83
Chubb	$995	$83
State National	$1,000	$83
State National	$1,000	$83
Travelers	$1,001	$83
Progressive	$1,009	$84
Travelers	$1,049	$87
Travelers	$1,051	$88
Allstate	$1,067	$89
Capital Insurance Group	$1,076	$90
Mercury	$1,088	$91
National General	$1,093	$91
Progressive	$1,097	$91
National General	$1,102	$92
National General	$1,102	$92
GEICO	$1,103	$92
Capital Insurance Group	$1,116	$93
National General	$1,117	$93
National General	$1,117	$93
Nationwide	$1,121	$93
Farmers	$1,122	$94
Kemper	$1,174	$98
Chubb	$1,180	$98
Progressive	$1,197	$100
Chubb	$1,203	$100
Travelers	$1,217	$101
Nationwide	$1,250	$104
Capital Insurance Group	$1,255	$105
State Farm	$1,276	$106
Chubb	$1,298	$108
Hartford	$1,308	$109
Hartford	$1,308	$109
Kemper	$1,309	$109
Kemper	$1,309	$109
National General	$1,336	$111
National General	$1,336	$111
CSAA	$1,418	$118
CSAA	$1,445	$120
State National	$1,479	$123
Nationwide	$1,503	$125
State Farm	$1,505	$125
Chubb	$1,506	$125
Capital Insurance Group	$1,506	$126
State National	$1,525	$127
Chubb	$1,528	$127
GEICO	$1,536	$128
Capital Insurance Group	$1,546	$129
Chubb	$1,551	$129
National General	$1,557	$130
CSAA	$1,560	$130
Nationwide	$1,564	$130
State Farm	$1,577	$131
National General	$1,577	$131
CSAA	$1,577	$131
CSAA	$1,577	$131
Allstate	$1,581	$132
CSAA	$1,589	$132
CSAA	$1,589	$132
Kemper	$1,590	$133
Kemper	$1,590	$133
GEICO	$1,591	$133
Capital Insurance Group	$1,601	$133
Capital Insurance Group	$1,644	$137
Mercury	$1,654	$138
Allstate	$1,667	$139
State Farm	$1,686	$141
Mercury	$1,698	$142
GEICO	$1,712	$143
Allstate	$1,743	$145
Allstate	$1,758	$147
CSAA	$1,763	$147
CSAA	$1,763	$147
GEICO	$1,769	$147
Capital Insurance Group	$1,805	$150
State National	$1,817	$151
GEICO	$1,835	$153
Chubb	$1,853	$154
Capital Insurance Group	$1,854	$155
Allstate	$1,856	$155
National General	$1,889	$157
Allstate	$1,913	$159
State Farm	$1,925	$160
State Farm	$1,929	$161
State National	$1,937	$161
State National	$1,937	$161
Hartford	$1,955	$163
Hartford	$1,955	$163
Allstate	$1,961	$163
Nationwide	$1,991	$166
Kemper	$2,007	$167
Kemper	$2,007	$167
State Farm	$2,019	$168
Hartford	$2,036	$170
GEICO	$2,043	$170
Kemper	$2,064	$172
Mercury	$2,067	$172
Nationwide	$2,070	$173
Allstate	$2,078	$173
State National	$2,092	$174
State National	$2,092	$174
Mercury	$2,124	$177
Progressive	$2,125	$177
Progressive	$2,135	$178
Travelers	$2,163	$180
Farmers	$2,178	$182
Farmers	$2,178	$182
Mercury	$2,206	$184
Mercury	$2,213	$184
Farmers	$2,239	$187
Farmers	$2,239	$187
State Farm	$2,255	$188
Hartford	$2,255	$188
Hartford	$2,255	$188
Mercury	$2,258	$188
Nationwide	$2,263	$189
Travelers	$2,275	$190
Nationwide	$2,308	$192
Progressive	$2,309	$192
Progressive	$2,316	$193
Allstate	$2,322	$193
Capital Insurance Group	$2,355	$196
State Farm	$2,362	$197
Travelers	$2,399	$200
Hartford	$2,401	$200
Chubb	$2,438	$203
GEICO	$2,439	$203
Chubb	$2,500	$208
Capital Insurance Group	$2,503	$209
Travelers	$2,513	$209
GEICO	$2,524	$210
Nationwide	$2,524	$210
Kemper	$2,542	$212
Progressive	$2,576	$215
State National	$2,586	$216
State National	$2,586	$216
Progressive	$2,639	$220
Progressive	$2,644	$220
Farmers	$2,660	$222
Farmers	$2,660	$222
Farmers	$2,722	$227
Travelers	$2,736	$228
Mercury	$2,768	$231
Farmers	$2,798	$233
Progressive	$2,800	$233
Capital Insurance Group	$2,825	$235
GEICO	$2,915	$243
Hartford	$2,940	$245
Hartford	$2,940	$245
Mercury	$2,941	$245
Nationwide	$2,971	$248
Chubb	$3,001	$250
Travelers	$3,013	$251
Travelers	$3,031	$253
Chubb	$3,058	$255
Kemper	$3,082	$257
State Farm	$3,115	$260
Travelers	$3,176	$265
Progressive	$3,201	$267
Hartford	$3,261	$272
Chubb	$3,319	$277
Nationwide	$3,320	$277
Farmers	$3,323	$277
Kemper	$3,418	$285
Kemper	$3,418	$285
Allstate	$3,439	$287
State National	$3,612	$301
Allstate	$3,640	$303
Nationwide	$3,674	$306
Travelers	$3,851	$321
Chubb	$3,878	$323
State National	$3,912	$326
Chubb	$3,934	$328
Chubb	$3,991	$333
State Farm	$3,994	$333
Nationwide	$4,023	$335
Allstate	$4,068	$339
Kemper	$4,327	$361
Kemper	$4,327	$361
CSAA	$4,448	$371
CSAA	$4,486	$374
State Farm	$4,666	$389
Hartford	$4,696	$391
Chubb	$4,814	$401
State National	$4,851	$404
CSAA	$4,988	$416
Kemper	$5,114	$426
Kemper	$5,114	$426
Nationwide	$5,308	$442
Hartford	$5,468	$456
Hartford	$7,244	$604

The severity of a driving offense can affect how much your rates increase. Drivers in Hayward with at-fault accidents on their records typically pay $321 more for the cheapest insurance policy than drivers with speeding tickets.

Cheapest Car Insurance in Hayward for Teens and Their Families

Teenagers in Hayward included on a family policy can get the cheapest insurance from the following providers:

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

Nationwide charges the highest average rate in the city for both teen boys and girls at $5,295 per year. While teen boys usually pay higher rates due to their higher risk factors, that’s not always the case in Hayward. Even in areas where teen boys and teen girls pay different rates, the difference typically levels out as teens mature into young adults.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,361	$2,181
GEICO	$1,393	$2,233
GEICO	$1,396	$2,459
GEICO	$1,411	$2,346
GEICO	$1,427	$2,287
GEICO	$1,435	$2,528
GEICO	$1,455	$2,671
GEICO	$1,474	$2,597
GEICO	$1,616	$2,409
Allstate	$1,655	$2,681
Allstate	$1,655	$2,681
GEICO	$1,669	$2,751
Progressive	$1,713	$2,723
Progressive	$1,713	$2,723
Allstate	$1,733	$2,807
Allstate	$1,733	$2,807
Capital Insurance Group	$1,735	$2,226
Capital Insurance Group	$1,735	$2,226
Allstate	$1,777	$3,118
Allstate	$1,777	$3,118
Allstate	$1,795	$2,907
Allstate	$1,795	$2,907
Nationwide	$1,841	$3,818
Nationwide	$1,841	$3,818
Progressive	$1,854	$2,948
Progressive	$1,854	$2,948
Allstate	$1,905	$3,132
Allstate	$1,905	$3,132
Capital Insurance Group	$1,975	$2,636
Capital Insurance Group	$1,975	$2,636
Progressive	$1,984	$3,643
Progressive	$1,984	$3,643
State Farm	$1,989	$2,920
State Farm	$1,989	$2,920
Kemper	$2,016	$4,053
Kemper	$2,016	$4,053
Nationwide	$2,018	$4,186
Nationwide	$2,018	$4,186
Farmers	$2,039	$2,916
Farmers	$2,039	$2,916
Capital Insurance Group	$2,055	$2,636
Capital Insurance Group	$2,055	$2,636
Capital Insurance Group	$2,055	$2,636
Capital Insurance Group	$2,055	$2,636
State Farm	$2,069	$3,038
State Farm	$2,069	$3,038
Progressive	$2,077	$3,303
Progressive	$2,077	$3,303
GEICO	$2,080	$3,502
Nationwide	$2,083	$4,788
Nationwide	$2,083	$4,788
State Farm	$2,105	$3,296
State Farm	$2,105	$3,296
State Farm	$2,117	$3,108
State Farm	$2,117	$3,108
Kemper	$2,129	$4,280
Kemper	$2,129	$4,280
GEICO	$2,161	$4,039
Nationwide	$2,163	$4,487
Nationwide	$2,163	$4,487
Allstate	$2,184	$3,992
Allstate	$2,184	$3,992
Travelers	$2,191	$2,969
Travelers	$2,191	$2,969
Allstate	$2,220	$3,651
Allstate	$2,220	$3,651
Kemper	$2,241	$5,033
Kemper	$2,241	$5,033
State Farm	$2,255	$3,360
State Farm	$2,255	$3,360
Travelers	$2,268	$3,073
Travelers	$2,268	$3,073
GEICO	$2,275	$3,392
Farmers	$2,284	$3,382
Farmers	$2,284	$3,382
Capital Insurance Group	$2,294	$2,966
Capital Insurance Group	$2,294	$2,966
Travelers	$2,314	$3,298
Travelers	$2,314	$3,298
Kemper	$2,316	$4,655
Kemper	$2,316	$4,655
Travelers	$2,363	$3,203
Travelers	$2,363	$3,203
GEICO	$2,365	$3,899
Farmers	$2,365	$3,382
Farmers	$2,365	$3,382
Farmers	$2,365	$3,382
Farmers	$2,365	$3,382
Capital Insurance Group	$2,378	$2,966
Capital Insurance Group	$2,378	$2,966
State Farm	$2,394	$3,742
State Farm	$2,394	$3,742
State Farm	$2,416	$3,600
State Farm	$2,416	$3,600
Nationwide	$2,438	$5,249
Nationwide	$2,438	$5,249
Progressive	$2,460	$3,996
Progressive	$2,460	$3,996
Capital Insurance Group	$2,547	$3,293
Capital Insurance Group	$2,547	$3,293
Farmers	$2,554	$3,878
Farmers	$2,554	$3,878
Travelers	$2,581	$3,462
Travelers	$2,581	$3,462
Kemper	$2,596	$5,336
Kemper	$2,596	$5,336
State Farm	$2,661	$4,745
State Farm	$2,661	$4,745
Farmers	$2,761	$4,466
Farmers	$2,761	$4,466
Farmers	$2,786	$4,230
Farmers	$2,786	$4,230
Travelers	$2,801	$3,994
Travelers	$2,801	$3,994
Kemper	$2,812	$5,780
Kemper	$2,812	$5,780
State Farm	$2,821	$5,030
State Farm	$2,821	$5,030
Kemper	$2,836	$6,372
Kemper	$2,836	$6,372
Travelers	$2,844	$3,815
Travelers	$2,844	$3,815
GEICO	$2,873	$5,064
State Farm	$2,881	$5,636
State Farm	$2,881	$5,636
Farmers	$2,907	$5,755
Farmers	$2,907	$5,755
Allstate	$2,915	$5,740
Allstate	$2,915	$5,740
Farmers	$2,978	$6,019
Farmers	$2,978	$6,019
Farmers	$2,988	$5,914
Farmers	$2,988	$5,914
Nationwide	$3,004	$7,256
Nationwide	$3,004	$7,256
GEICO	$3,012	$5,887
Allstate	$3,018	$6,047
Allstate	$3,018	$6,047
Progressive	$3,067	$5,654
Progressive	$3,067	$5,654
Allstate	$3,070	$6,047
Allstate	$3,070	$6,047
GEICO	$3,080	$5,655
GEICO	$3,159	$5,569
Nationwide	$3,204	$6,900
Nationwide	$3,204	$6,900
GEICO	$3,247	$6,654
Progressive	$3,260	$5,294
Progressive	$3,260	$5,294
Capital Insurance Group	$3,268	$4,075
Capital Insurance Group	$3,268	$4,075
Capital Insurance Group	$3,268	$4,075
Capital Insurance Group	$3,268	$4,075
Capital Insurance Group	$3,268	$4,075
Capital Insurance Group	$3,268	$4,075
GEICO	$3,325	$6,500
Progressive	$3,540	$7,189
Progressive	$3,540	$7,189
Progressive	$3,563	$7,252
Progressive	$3,563	$7,252
Progressive	$3,577	$7,263
Progressive	$3,577	$7,263
Travelers	$3,744	$5,036
Travelers	$3,744	$5,036
Travelers	$3,911	$5,261
Travelers	$3,911	$5,261
Travelers	$3,920	$5,521
Travelers	$3,920	$5,521
Kemper	$4,278	$8,701
Kemper	$4,278	$8,701
Nationwide	$4,563	$9,810
Nationwide	$4,563	$9,810
Kemper	$4,686	$9,532
Kemper	$4,686	$9,532
Kemper	$4,729	$10,625
Kemper	$4,729	$10,625
Nationwide	$5,131	$11,030
Nationwide	$5,131	$11,030
Nationwide	$5,295	$13,312
Nationwide	$5,295	$13,312

It makes financial sense to add a young driver to a family policy rather than getting them their own insurance policy. For instance, in Hayward, purchasing a teen boy his own policy would cost, on average, $673 more than adding him to an existing family policy. It is best to compare the cheapest car insurance for teens to save money.

Cheapest Car Insurance in Hayward for Military Drivers

The following insurers in Hayward provide the cheapest military auto insurance to active-duty and veteran service members and their families:

USAA: $904 per year
National General: $1,051 per year

The prices indicated above are for full coverage insurance. If you only need the state minimum coverage, GEICO is the cheapest at $386 per year, with USAA coming in second at $387.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$382	$32
GEICO	$386	$32
USAA	$387	$32
USAA	$387	$32
State Farm	$408	$34
CSAA	$415	$35
CSAA	$423	$35
CSAA	$454	$38
GEICO	$456	$38
Progressive	$464	$39
USAA	$467	$39
Progressive	$469	$39
Mercury	$483	$40
Mercury	$495	$41
Travelers	$514	$43
Travelers	$515	$43
State Farm	$539	$45
Progressive	$549	$46
Nationwide	$551	$46
Farmers	$565	$47
Nationwide	$572	$48
Kemper	$576	$48
State National	$580	$48
Farmers	$582	$48
Travelers	$588	$49
National General	$589	$49
Hartford	$592	$49
State National	$596	$50
Mercury	$604	$50
National General	$606	$50
Allstate	$611	$51
State Farm	$616	$51
Allstate	$616	$51
Capital Insurance Group	$620	$52
Capital Insurance Group	$643	$54
Farmers	$660	$55
Allstate	$663	$55
Kemper	$665	$55
Hartford	$678	$57
State National	$704	$59
Capital Insurance Group	$720	$60
Nationwide	$722	$60
National General	$725	$60
Chubb	$756	$63
Chubb	$780	$65
Hartford	$878	$73
Kemper	$880	$73
USAA	$882	$74
USAA	$904	$75
State Farm	$1,016	$85
GEICO	$1,025	$85
National General	$1,051	$88
GEICO	$1,062	$88
National General	$1,064	$89
USAA	$1,081	$90
Chubb	$1,082	$90
Allstate	$1,091	$91
Progressive	$1,124	$94
Progressive	$1,132	$94
Allstate	$1,148	$96
GEICO	$1,224	$102
CSAA	$1,248	$104
Mercury	$1,253	$104
CSAA	$1,258	$105
Allstate	$1,272	$106
National General	$1,273	$106
Mercury	$1,285	$107
State Farm	$1,301	$108
Hartford	$1,313	$109
Capital Insurance Group	$1,313	$109
Nationwide	$1,336	$111
Progressive	$1,358	$113
State National	$1,363	$114
CSAA	$1,396	$116
Capital Insurance Group	$1,396	$116
Travelers	$1,433	$119
Nationwide	$1,459	$122
State National	$1,473	$123
Hartford	$1,507	$126
Travelers	$1,512	$126
State Farm	$1,521	$127
Kemper	$1,554	$130
Capital Insurance Group	$1,571	$131
Farmers	$1,578	$131
Farmers	$1,620	$135
Mercury	$1,670	$139
Travelers	$1,802	$150
State National	$1,818	$151
Chubb	$1,859	$155
Nationwide	$1,908	$159
Kemper	$1,913	$159
Chubb	$1,920	$160
Farmers	$1,924	$160
Hartford	$1,947	$162
Kemper	$2,318	$193
Chubb	$2,739	$228

How to Compare Cheap Hayward Car Insurance Quotes Online

Gathering car insurance quotes on the internet may be time-consuming. It can take up to 15 minutes to get a quote from one company due to the personal information required. MoneyGeek's auto insurance calculator can quickly estimate the premiums that different companies are likely to charge you based on your age, vehicle type, driving record and coverage level.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Hayward: Summary

The best insurance provider for you depends on whether you prioritize affordability or customer service. The following are the best insurers in Hayward in three important categories:

Best overall: GEICO (MoneyGeek score of 75 out of 100)
Best for service: Chubb (MoneyGeek score of 76 out of 100)
Best cheap: GEICO (MoneyGeek score of 78 out of 100)

MoneyGeek scores for each company differ based on how much weight each factor receives in that category. On a statewide basis, AAA provides the best car insurance in California.

A score of 85 makes USAA the best car insurance for military members in Hayward.

Best Overall Car Insurance in Hayward

MoneyGeek looked at affordability, service quality, claims handling and other factors to rate the city’s best auto insurers:

GEICO: MoneyGeek score of 75 out of 100 ($1,062 per year)
Progressive: MoneyGeek score of 71 out of 100 ($1,132 per year)

GEICO scored high in customer satisfaction and affordability, making it a highly desired option for getting the most for your money. USAA is the best option for active and former military personnel. It has an annual premium of $904 for full coverage and received an 85 out of 100 on MoneyGeek's ranking system.

pros

Ranks number 2 for affordability

Ranks number 5 for customer satisfaction

Offers mechanical breakdown insurance, classic car insurance and roadside assistance

cons

Subpar claims handling score

Does not offer new car replacement, deductible modification or gap insurance

COMPANY HIGHLIGHTS

GEICO offers a number of coverages that might be beneficial for a variety of driver types, in addition to a higher-than-average customer satisfaction rating. Its mechanical breakdown insurance (MBI) coverage is rarely available from other insurers. It covers all parts and systems, not just the items covered by conventional dealer warranties. MBI is offered for new or leased vehicles less than 15 months old with less than 15,000 miles.

If you choose to go with GEICO, its roadside assistance can cover the cost of flat tires, jump starts, towing and lockout services if you become stranded on the road and require emergency assistance.

Individuals who own antique or classic cars can benefit from its classic car insurance policy, which includes several important coverages for antique and collector vehicles: liability coverage, uninsured and underinsured motorist coverage and medical coverages, such as medical payments coverage and personal injury protection.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Hayward for Customer Service

MoneyGeek’s recommended insurers in Hayward for customer service are evaluated on customer satisfaction ratings and claims handling scores, not on affordability. We found the following two insurers to be the best:

Chubb: MoneyGeek score of 76 out of 100 ($1,859 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,396 per year)

Chubb has the best reputation in Hayward for claims management and ranks second for providing excellent customer service. It does, however, charge the highest average rate. Therefore, you will need to pay much higher rates to get the best possible service.

pros

Ranks number 2 for customer satisfaction

Best claims handling score

Offers original equipment manufacturer (OEM) coverage, classic car insurance, rental car reimbursement and diminished value coverage

cons

Very few coverage options

Does not offer roadside assistance, accident forgiveness, gap insurance, deductible modification or new car replacement

COMPANY HIGHLIGHTS

Chubb’s policyholders have the option of purchasing rental car reimbursement, which enables renting an identical vehicle if yours becomes temporarily inoperable. You can pay for repairs to be done to your car using original components instead of third-party parts, thanks to Chubb’s original equipment manufacturer (OEM) coverage. Compared to aftermarket parts, original equipment improves the performance and safety of your car.

For those who own classic cars that are garaged or used strictly for hobby purposes, Chubb's classic car insurance might be a benefit. In addition, if your vehicle is stolen or totaled and if you have Chubb's optional Agreed Value coverage, the company will issue you a check for the amount agreed upon when you purchased the policy instead of the car’s actual depreciated value. In the event of a covered loss, this might save you thousands of dollars.

Best Cheap Car Insurance Companies in Hayward

According to our study, based on affordability and service quality, the following insurers in Hayward offer the best minimum coverage insurance.

GEICO: MoneyGeek score of 78 out of 100 ($386 per year)
Progressive: MoneyGeek score of 69 out of 100 ($464 per year)

Affordability is the appealing factor of minimum coverage insurance, but these policies only offer a limited amount of liability coverage and no coverage for your own car.

pros

Affordable minimum coverage costs $386 per month

Solid customer satisfaction score

Offers discounts for bundling, defensive driving and teachers

cons

Low claims and coverage scores

Does not offer discounts for going paperless or paying in full

COMPANY HIGHLIGHTS

GEICO offers the cheapest insurance in Hayward with strong customer satisfaction, making it the best option for drivers looking for affordable policies without compromising service quality.

GEICO offers a range of unique and common discounts. It offers discounts for always wearing your seatbelt, along with special discounts for teachers and military policyholders who are deployed in an emergency. Active or retired federal employees can also earn a discount. Those who have installed daytime running lights, drive safely and are members of partner affinity organizations are eligible for unique discounts.

Besides the rare discount offerings, GEICO gives discounted premiums to those who have anti-lock brakes, airbags and anti-theft systems installed in their vehicles. Discounts are also available to full-time students with good academic records. Seniors and individuals who complete defensive driving or driver's education courses can also ask GEICO for discounts.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Hayward

Hayward's average yearly full coverage car insurance premium is $1,374, which is $109 more than the national average cost of car insurance ($1,265) and $13 less than the state average ($1,387). These rates are for bodily injury liability of $100,000 per person and $300,000 per accident, along with property damage liability of $100,000.

Although the average cost of auto insurance in Hayward is slightly cheaper than the average insurance cost in California, your individual premiums will vary based on your location and other factors.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest and Best Car Insurance in Hayward, CA (2023)

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On This Page:

Cheapest Minimum Liability Car Insurance in Hayward

Cheapest Full Coverage Car Insurance in Hayward

Cheapest Car Insurance in Hayward After a Driving Offense

Cheapest Car Insurance in Hayward for Teens and Their Families

Cheapest Car Insurance in Hayward for Military Drivers

How to Compare Cheap Hayward Car Insurance Quotes Online

Best Car Insurance in Hayward: Summary

Best Overall Car Insurance in Hayward

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Hayward for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Hayward

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Hayward