Compare the Cheapest Car Insurance Quotes in Hayward, CA

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.

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Last Updated: 11/3/2022
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Car insurance premiums are determined by a driver’s preferred coverage, driving history and personal profile. Esurance is Hayward’s cheapest provider of full coverage car insurance and for drivers with a speeding ticket. Progressive has the most affordable state minimum policies. For military families, USAA may be the cheapest option. AAA is MoneyGeek’s best-rated provider in Hayward in terms of balancing cost with customer service.

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The Cheapest and Best Car Insurance in Hayward

The Cheapest Car Insurance Companies in Hayward

If you want the broadest financial protection in your car insurance, a full coverage policy provides that. It includes liability, comprehensive and collision coverages.

MoneyGeek’s study shows the following companies offer the cheapest full coverage car insurance policies for an average driver in Hayward:

  • Esurance: $1,057 per year
  • Progressive: $1,104 per year

Members of the military and their families may be eligible for insurance through USAA. It offers affordable full coverage at a yearly average rate of $1,163.

Esurance, Hayward’s cheapest full coverage car insurance provider, is approximately 60% less expensive than Allied, the city’s most expensive provider.

Cheapest Car Insurance in Hayward
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,057
  • 2.
    Progressive
    $1,104
  • 3.
    GEICO
    $1,161
  • 4.
    USAA
    $1,163
  • 5.
    Allstate
    $1,241
  • 6.
    CSAA
    $1,295
  • 7.
    MetLife
    $1,316
  • 8.
    State Farm
    $1,379
  • 9.
    Mercury
    $1,461
  • 10.
    Farmers
    $1,482
  • 11.
    Hartford
    $1,591
  • 12.
    Travelers
    $1,680
  • 13.
    Allied
    $1,693

The car insurance rates in this guide are for a 40-year-old male driver in Hayward with a full coverage policy, following MoneyGeek’s methodology.

A full coverage car insurance policy includes comprehensive and collision coverages, on top of the state’s required coverages. Because of its increased coverage, this type of policy offers extensive financial protection in case of an accident or loss, but can be considerably more expensive than a minimum coverage policy.

  • Comprehensive Coverage: Pays for losses and repairs from damage due to weather events, theft, falling objects and incidents other than a collision.
  • Collision Coverage: Covers vehicle repair expenses if you’re in an accident.

If you have an older vehicle, full coverage can be more expensive than your car’s actual worth. In that case, liability-only or state minimum insurance is recommended to obtain the most affordable rates possible.

Compare Car Insurance Rates in Hayward

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Hayward for Minimum Coverage

A state minimum policy is an ideal option for drivers looking for Hayward’s cheapest car insurance offers. MoneyGeek’s analysis shows the following companies offer the cheapest minimum coverage policies in Hayward:

  • Progressive: $457 per year
  • GEICO: $458 per year

Eligible drivers in the military can also look at USAA, which offers affordable minimum coverage policies at an average rate of $467 per year.

Hayward’s cheapest minimum coverage provider, Progressive, is $312 cheaper than the city’s most expensive provider, Hartford.

State minimum is significantly more affordable than other car insurance policies. However, since they don’t include comprehensive and collision coverages, they expose the driver to financial risks in case of an accident.

Use the table below to see how your choice of liability coverage affects your annual premium.

Cheapest Minimum Liability Car Insurance in Hayward
State Minimum

California requires drivers to have a minimum coverage policy. That type of insurance covers bodily injury liability, property damage liability, uninsured motorist bodily injury and uninsured motorist property damage.

State minimum coverage is the cheapest car insurance you can buy in Hayward, and opting for it will help you save on your yearly insurance premiums. However, due to its limited coverage, you may actually end up paying more in case of an accident.

In California, liability insurance only covers $15,000 for bodily injuries per person. If you’re at fault in an accident and the injured party’s medical expenses reach $25,000, the insurer covers the first $15,000, but you’re responsible for the balance.

California Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in Hayward if You Have Driving Violations

A driving violation in Hayward, whether a speeding ticket, an at-fault accident or a DUI, can significantly affect the cost of auto insurance. The best thing to do in this situation is to improve your driving history over time and get your rates lowered.

In the meantime, your only option is to shop around and compare offers from various companies. MoneyGeek ranked Hayward’s cheapest car insurance providers for drivers with a bad record:

  • Cheapest after a ticket: Esurance, $1,342 per year
  • Cheapest after an at-fault accident: CSAA $1,628 per year
  • Cheapest after a DUI: Mercury, $2,400 per year

If you’re in the military and eligible for USAA, that insurer has the most affordable car insurance rates in Hayward for drivers with a speeding ticket.

Cheapest Car Insurance in Hayward With a Violation
Speeding Ticket

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.

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.

Compare Car Insurance Rates in Hayward

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Hayward

MoneyGeek compiled a list of the top-rated car insurance companies based on their price levels, claims ratings and user satisfaction scores in Hayward, California. We found that the two top car insurance companies in Hayward are as follows:

  • AAA: MoneyGeek score of 92.2 out of 100
  • Esurance: MoneyGeek score of 87.8 out of 100

USAA received a high MoneyGeek score of 87.4, but it was not included in our rankings as its policies are only available to military members and their families.


1
AAA
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

AAA received a perfect score of 5 for claims and a high score of 4.66 for customer satisfaction. On average, a 40-year-old driver in Hayward will pay $1,295 for a full coverage policy. The insurer includes one rare coverage in its standard policy — identity theft coverage.

More About AAA

As a member of AAA, you’ll receive identity theft coverage. get identity theft monitoring and alerts. This free coverage includes credit monitoring, credit viewing, lost wallet protection and fraud resolution support. The insurer also offers roadside assistance and rental car and/or travel reimbursement coverage.

Read MoneyGeek's AAA auto Insurance Review
2
Esurance
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

Esurance received high scores for financial stability, customer satisfaction and affordability, but only an average score of claims ratings. The insurer offers custom parts coverage, an option rarely offered by other insurance providers. A full coverage policy with Esurance costs an average of $1,057 per year for a 40-year-old driver in Hayward.

More About Esurance

Custom parts and equipment coverage protects your after-maket car upgrades and covers additional, custom-made accessories up to a $4,000-limit. Esurance includes towing and labor coverage, which helps if you run out of gas or your car breaks down. If your car is stolen or being repaired after an accident, CarMatch Rental Coverage® covers you up to 45 days or $3,000 for a rental car that’s the same size as your everyday vehicle.

Read MoneyGeek's Esurance auto Insurance Review

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 Code
    State Minimumper year
  • 94544
    $1,369
  • 94541
    $1,375

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.

accident2 icon
Most Accidents With Fatalities202nd/300
handcuffs2 icon
Most Car Thefts262nd/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall194th/300
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Most Rainy Days211th/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.