Cheapest car insurance companies in Hayward 

A recent data analysis by Insurance.com found the cheapest car insurance companies are Geico and Mercury Insurance in Hayward for 2023. 

Geico offers the cheapest car insurance premium for Hayward drivers at an annual rate of $1,925 a year, on average. 

Car insurance costs may vary in Hayward based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Hayward.

CompaniesAverage annual rates
USAA$1,906
Geico$1,925
Mercury Insurance$2,277
Progressive$2,387
Kemper Insurance$2,511
Allstate$2,558
Auto Club Enterprises (AAA)$2,591
Travelers$2,637
CSAA Insurance (AAA)$2,689
State Farm$2,899
Farmers$3,066
Nationwide$3,111

Cheapest car insurance cost in Hayward by Age Group 

In Hayward, USAA is the cheapest car insurance company for teenagers, offering full coverage policies at $4,175 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

When compared to other car insurance companies, Geico turned out to be the cheapest car insurance company for young drivers in Hayward, offering full coverage at an annual average cost of $2,532.

For Hayward drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Geico provides the cheapest car insurance premiums, offering full coverage policies at $1,943 annually

USAA is the cheapest option for senior drivers in Hayward, with an average premium of $1,920 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
USAA$4,175$2,580$1,955$1,920
Geico$4,817$2,532$1,943$1,936
State Farm$5,257$3,750$2,897$2,397
Travelers$5,348$3,615$2,663$2,635
Allstate$5,587$3,327$2,518$2,330
Mercury Insurance$5,738$3,845$2,338$2,310
Auto Club Enterprises (AAA)$6,552$4,009$2,673$2,483
Farmers$6,640$4,382$3,113$2,984
Progressive$7,153$3,970$2,389$2,634
Kemper Insurance$7,600$4,415$2,824$3,406
CSAA Insurance (AAA)$8,835$4,169$2,688$2,704
Nationwide$10,877$5,491$3,164$2,979

Cheapest car insurance companies in Hayward by driver profile 

Car insurance rates in Hayward vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations

To find the cheapest car insurance company in Hayward, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

In Hayward, these insurance companies offer cheap car insurance rates based on your driver profile.

USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Hayward. Its full coverage car insurance policy costs an average of $1,929 per year for drivers aged 30. 

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
USAA$1,929
Geico$2,673
Progressive$2,739
Travelers$3,277
Allstate$3,833
Farmers$3,969
Nationwide$3,971
State Farm$4,078

According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Hayward for drivers involved in at-fault accidents, with an average annual cost of $2,452. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget. 

CompanyAverage annual rates
USAA$2,452
Progressive$3,095
Geico$3,595
Travelers$3,656
Nationwide$4,233
Farmers$4,429
State Farm$4,593
Allstate$5,931

In Hayward, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $3,680 a year

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
Progressive$3,680
Geico$4,573
USAA$4,907
Farmers$5,158
Travelers$6,273
Nationwide$7,619
Allstate$10,312
State Farm$12,897

Average car insurance cost in Hayward 

On average, Hayward drivers pay $2,546 annually, or $212 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Hayward is $559.

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 state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.

Average annual RatesState minimum average
$2,546$559

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

While the 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.