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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceHayward
2023

Cheapest and Best Car Insurance in Hayward

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.

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.

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.

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.

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.

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.

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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.

GEICO

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.

Chubb

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.

GEICO

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 headshot

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.