Average car insurance cost in Hayward
Full coverage car insurance in Hayward costs an average of $3,113 per year, or $259 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $743 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,557 |
| Average annual premium | $3,113 |
| State minimum premium | $743 |
Cheapest car insurance companies in Hayward
GEICO is the cheapest car insurance company in Hayward, with an average full coverage rate of $2,053 per year. Kemper is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.
Below are the companies that offer cheap car insurance to drivers in Hayward.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,026 | $2,053 |
| Kemper | $1,308 | $2,617 |
| Progressive | $1,467 | $2,934 |
| CSAA Insurance (AAA) | $1,484 | $2,969 |
| Mercury Insurance | $1,558 | $3,117 |
| Auto Club Enterprises (AAA) | $1,566 | $3,132 |
| State Farm | $1,641 | $3,282 |
| Farmers | $1,658 | $3,316 |
| Allstate | $1,862 | $3,723 |
| Travelers | $1,950 | $3,900 |
| Nationwide | $2,250 | $4,500 |
| USAA | $1,084 | $2,168 |
Cheapest car insurance cost in Hayward by age group
Car insurance prices in Hayward differ by age because insurers consider how driving experience impacts expected accident risk. GEICO is the cheapest company for teens, GEICO for young adults, GEICO for adults, and GEICO for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in Hayward by age below:.
- Cheapest for teens: GEICO
- Cheapest for young adults: GEICO
- Cheapest for adults: GEICO
- Cheapest for seniors: GEICO
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. GEICO offers the cheapest car insurance for teens at $5,354 per year.
For young adults, GEICO offers the lowest average rate at $3,078 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
GEICO is the least expensive insurer for adult drivers in Hayward, with an average annual premium of $2,053. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from GEICO at $2,031 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| GEICO | $5,354 | $3,078 | $2,053 | $2,031 |
| Progressive | $8,629 | $4,864 | $2,942 | $3,213 |
| Kemper | $7,877 | $4,583 | $2,943 | $3,551 |
| CSAA Insurance (AAA) | $9,269 | $4,615 | $2,965 | $2,970 |
| Mercury Insurance | $7,802 | $5,258 | $3,205 | $3,141 |
| Auto Club Enterprises (AAA) | $7,985 | $4,906 | $3,239 | $2,996 |
| State Farm | $5,987 | $4,242 | $3,282 | $2,717 |
| Farmers | $7,158 | $4,723 | $3,364 | $3,233 |
| Allstate | $8,227 | $4,865 | $3,666 | $3,396 |
| Travelers | $8,197 | $5,457 | $3,938 | $3,815 |
| Nationwide | NA | $6,687 | $4,314 | $4,248 |
| USAA | $4,734 | $2,932 | $2,223 | $2,177 |
Cheapest car insurance companies in Hayward by driver profile
The cheapest car insurance provider in Hayward varies based on driving history. GEICO has the lowest rate after an at-fault accident, GEICO after a DUI, and GEICO after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Hayward by driver profile.
- Cheapest for an at-fault accident: GEICO
- Cheapest for a DUI: GEICO
- Cheapest for a driver with a speeding ticket: GEICO
Cheapest auto insurance after an at-fault accident: GEICO
In Hayward, GEICO offers the cheapest car insurance for drivers with an at-fault accident at $4,109 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Hayward.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $2,055 | $4,109 |
| CSAA Insurance (AAA) | $2,260 | $4,520 |
| Progressive | $2,405 | $4,810 |
| Auto Club Enterprises (AAA) | $2,534 | $5,069 |
| Farmers | $2,684 | $5,369 |
| Mercury Insurance | $2,731 | $5,461 |
| State Farm | $2,763 | $5,525 |
| Travelers | $3,322 | $6,645 |
| Nationwide | $4,262 | $8,524 |
| Allstate | $4,438 | $8,877 |
| USAA | $1,780 | $3,560 |
Cheapest auto insurance after a DUI: GEICO
GEICO offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $5,151 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Hayward.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $2,576 | $5,151 |
| Mercury Insurance | $2,779 | $5,558 |
| Progressive | $3,539 | $7,078 |
| Travelers | $4,113 | $8,227 |
| Auto Club Enterprises (AAA) | $4,901 | $9,801 |
| CSAA Insurance (AAA) | $5,356 | $10,712 |
| State Farm | $5,762 | $11,524 |
| Nationwide | $6,452 | $12,904 |
| Farmers | $6,728 | $13,456 |
| Allstate | $7,417 | $14,834 |
| USAA | $3,373 | $6,745 |
Cheapest for drivers with a speeding ticket: GEICO
GEICO offers the cheapest car insurance at $3,201 in Hayward for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,600 | $3,201 |
| CSAA Insurance (AAA) | $1,881 | $3,763 |
| Mercury Insurance | $2,224 | $4,448 |
| Auto Club Enterprises (AAA) | $2,256 | $4,513 |
| Progressive | $2,263 | $4,526 |
| Farmers | $2,310 | $4,620 |
| State Farm | $2,476 | $4,952 |
| Allstate | $2,704 | $5,408 |
| Travelers | $2,897 | $5,795 |
| Nationwide | $4,213 | $8,427 |
| USAA | $1,322 | $2,644 |
Car insurance discounts for Hayward drivers
The largest available car insurance discount in Hayward is Loyalty - Years Renewal With Company, which provides average savings of 20% through State Farm. Savings and eligibility vary by insurer, but drivers may also qualify for safe-driving, good-student, bundling, vehicle-safety, and payment-related discounts.
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Here are some of the car insurance discounts insurers offer to Hayward drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Anti-Theft Device | GEICO | $2,038 | $2,020 | 1% | $18 |
| Anti-Theft Device | Mercury Insurance | $2,782 | $2,746 | 1% | $36 |
| Anti-Theft Device | Travelers | $3,604 | $3,527 | 2% | $77 |
| Anti-Theft Device | Allstate | $3,922 | $3,901 | 1% | $21 |
| Comp and Coll Deductibles | GEICO | $2,038 | $1,770 | 13% | $268 |
| Comp and Coll Deductibles | Progressive | $2,684 | $2,297 | 14% | $387 |
| Comp and Coll Deductibles | Kemper | $2,584 | $2,351 | 9% | $233 |
| Comp and Coll Deductibles | Mercury Insurance | $2,782 | $2,494 | 10% | $289 |
| Comp and Coll Deductibles | Auto Club Enterprises (AAA) | $2,967 | $2,643 | 11% | $323 |
| Comp and Coll Deductibles | CSAA Insurance (AAA) | $2,874 | $2,719 | 5% | $155 |
| Comp and Coll Deductibles | State Farm | $3,078 | $2,757 | 10% | $322 |
| Comp and Coll Deductibles | Farmers | $3,409 | $3,093 | 9% | $317 |
| Comp and Coll Deductibles | Travelers | $3,604 | $3,214 | 11% | $390 |
| Comp and Coll Deductibles | Nationwide | $4,227 | $3,683 | 13% | $544 |
| Comp and Coll Deductibles | Allstate | $3,922 | $3,857 | 2% | $65 |
| Lower Annual Mileage | GEICO | $2,038 | $1,715 | 16% | $323 |
| Lower Annual Mileage | Kemper | $2,584 | $2,164 | 16% | $420 |
| Lower Annual Mileage | Progressive | $2,684 | $2,301 | 14% | $383 |
| Lower Annual Mileage | Mercury Insurance | $2,782 | $2,545 | 9% | $237 |
| Lower Annual Mileage | CSAA Insurance (AAA) | $2,874 | $2,590 | 10% | $284 |
| Lower Annual Mileage | Auto Club Enterprises (AAA) | $2,967 | $2,729 | 8% | $238 |
| Lower Annual Mileage | State Farm | $3,078 | $2,846 | 8% | $232 |
| Lower Annual Mileage | Farmers | $3,409 | $2,895 | 15% | $514 |
| Lower Annual Mileage | Travelers | $3,604 | $3,135 | 13% | $469 |
| Lower Annual Mileage | Allstate | $3,922 | $3,341 | 15% | $581 |
| Lower Annual Mileage | Nationwide | $4,227 | $3,704 | 12% | $523 |
| Loyalty - Years Renewal With Company | Kemper | $2,584 | $2,266 | 12% | $318 |
| Loyalty - Years Renewal With Company | State Farm | $3,078 | $2,477 | 20% | $601 |
| Loyalty - Years Renewal With Company | CSAA Insurance (AAA) | $2,874 | $2,674 | 7% | $200 |
| Loyalty - Years Renewal With Company | Auto Club Enterprises (AAA) | $2,967 | $2,793 | 6% | $174 |
| Marital Status | GEICO | $2,038 | $1,746 | 14% | $292 |
| Marital Status | Kemper | $2,584 | $2,228 | 14% | $356 |
| Marital Status | Progressive | $2,684 | $2,240 | 17% | $444 |
| Marital Status | Mercury Insurance | $2,782 | $2,457 | 12% | $325 |
| Marital Status | Auto Club Enterprises (AAA) | $2,967 | $2,811 | 5% | $155 |
| Marital Status | Farmers | $3,409 | $3,331 | 2% | $79 |
| Marital Status | Travelers | $3,604 | $3,437 | 5% | $167 |
| Marital Status | Allstate | $3,922 | $3,582 | 9% | $340 |
| Marital Status | Nationwide | $4,227 | $4,132 | 2% | $95 |
| Multi Policy | GEICO | $2,038 | $1,819 | 11% | $219 |
| Multi Policy | Progressive | $2,684 | $2,352 | 12% | $332 |
| Multi Policy | Mercury Insurance | $2,782 | $2,552 | 8% | $230 |
| Multi Policy | State Farm | $3,078 | $2,655 | 14% | $423 |
| Multi Policy | CSAA Insurance (AAA) | $2,874 | $2,706 | 6% | $168 |
| Multi Policy | Auto Club Enterprises (AAA) | $2,967 | $2,708 | 9% | $259 |
| Multi Policy | Farmers | $3,409 | $3,054 | 10% | $355 |
| Multi Policy | Travelers | $3,604 | $3,260 | 10% | $344 |
| Multi Policy | Nationwide | $4,227 | $3,541 | 16% | $686 |
| Multi Policy | Allstate | $3,922 | $3,787 | 3% | $135 |
| Primary Use | CSAA Insurance (AAA) | $2,874 | $2,374 | 17% | $500 |
| Primary Use | State Farm | $3,078 | $2,668 | 13% | $410 |
| Primary Use | Travelers | $3,604 | $3,343 | 7% | $261 |
| Primary Use | Nationwide | $4,227 | $3,856 | 9% | $371 |
| Safety Devices | Farmers | $3,409 | $3,266 | 4% | $143 |
| Telematics | Nationwide | $4,227 | $4,024 | 5% | $203 |
| Years Insured | GEICO | $2,038 | $1,847 | 9% | $191 |
How to get cheap car insurance in Hayward in 2026
To find cheap car insurance in Hayward in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Hayward by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Hayward.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Hayward
How much does car insurance cost in Hayward?
Car insurance costs an average of $3,113 per year or about $259 per month for full coverage in Hayward. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in CA?
No, you don't legally need full coverage in CA, but you will be required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Hayward?
You can reduce your car insurance costs in Hayward by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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