Car insurance in Hayward costs $1,372 per year on average, which is lower than California’s average insurance cost by $57. Esurance offers insurance at $1,057, making it the most affordable option in the city for budget-conscious drivers. MoneyGeek determines the cheapest insurance options using coverage amount and driving history to help you find the best rates available. If you want both quality and price, MoneyGeek explores the best auto insurance companies in Hayward.
bestauto insuranceHayward2021The Cheapest and Best Car Insurance in Hayward
Cheapest Overall - Esurance
Best Overall - AAA
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Hayward
The car insurance companies in Hayward that offer the most affordable full coverage policies, on average, are:
- Esurance: $1,057 per year
- Progressive: $1,104 per year
These prices are for a 40-year-old male driver with a full coverage policy. This policy includes liability insurance and comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$1,057
- 2.$1,104
- 3.$1,161
- 4.$1,163
- 5.$1,241
Average Cost of Car Insurance in Hayward
Hayward$1,372
California$1,429
U.S.$1,424
The average cost of car insurance in Hayward is $1,372 per year. This rate is 4% less than the state average and 3.7% cheaper than the national average.
The Best Car Insurance Companies in Hayward
If you’re a driver in Hayward who’s looking for an insurance company that is cost-effective and provides superior service, MoneyGeek ranked the top companies in your area to make your decision easier. Based on MoneyGeek’s scoring system, the best companies in the city are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Hayward by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek uses factors such as J.D. Power power satisfaction, affordability and financial stability to compute these scores.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:88
5
State Farm
Score:88
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:83
9
Allstate
Score:83
10
Safeco
Score:80
11
CSAA
Score:78
12
Liberty Mutual
Score:78
13
Farmers
Score:78
14
Mercury
Score:78
15
Nationwide
Score:75
16
Kemper
Score:70
Personalized Quotes to Get You the Cheapest Car Insurance in Hayward
When calculating car insurance quotes in Hayward, companies consider several factors. These can include your gender, age, car make and model, miles driven per year and more.
For example, Esurance charges an average yearly price of $1,057 for a 40-year-old male driver in Hayward. However, this rate can change as the policyholder gets older. As a result, it’s advisable to compare car insurance quotes regularly to make sure you have affordable coverage.
Shopping around for car insurance in Hayward could save you $315, which is enough to buy:
105Cups of Coffee
24Months of Your Favorite Streaming Service
Cheapest Car Insurance in Hayward by Coverage Amount
In Hayward, the price of your policy is greatly affected by the amount of coverage you buy. An insurance policy that meets the minimum liability requirements in California costs $613 annually, on average. In comparison, a full coverage policy, which has higher liability limits, is priced at $1,372, or $759 higher.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Liability coverage pays for the costs of the other driver if you’re at fault in an accident. Most states have minimum standards for liability insurance. If you opt for full coverage, you’ll pay a higher rate because it will cover your expenses and the other driver’s when you cause an accident.
In Hayward, Progressive offers affordable car insurance in the form of liability-only and full-coverage packages with 50/100/50 limits. This means coverage is provided for $50,000 in medical bills per individual, up to $100,000 total and $50,000 in property damage repair costs.
On average, Progressive’s full-coverage policy costs $389 more than its liability-only plan.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$457$631
- 2.$556$654
- 3.$458$622
- 4.$467$598
- 5.CSAA$467$598
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$1,020$1,104
- 2.$1,017$1,057
- 3.$1,071$1,161
- 4.$1,099$1,163
- 5.CSAA$1,238$1,295
Cheapest Car Insurance in Hayward if You Have Driving Violations
If you are trying to get cheap car insurance in Hayward, you should try to drive defensively and maintain a clean record. Having driving offenses on your record will cause the cost of your auto insurance coverage to increase.
Esurance policyholders in Hayward with a recorded DUI could pay an extra $1,577 per year on average. Drivers with a logged at-fault accident may be charged $595 more, while customers with a speeding ticket might pay an average of $285 more each year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,342$1,652$2,634
- 2.$1,713$1,940$2,707
- 3.$1,271$2,027$3,288
- 4.$2,104$2,281$2,617
- 5.$1,920$2,533$2,400
Average Cost of Car Insurance by Postal Code
Auto insurance companies consider your residential area when they determine your premium. ZIP codes with higher numbers of uninsured motorists, car thefts and accidents are considered riskier and might be more expensive to insure.
Fortunately, this factor is not as important in Hayward. There is only a $6 difference between the average annual car insurance rates in the 94544 and 94541 neighborhoods.
- Zip CodeState Minimumper year
- 94544$1,369
- 94541$1,375
Insurance Providers That Serve Hayward
Factors That Impact Insurance Costs in Hayward
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Hayward. How Hayward ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Hayward are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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