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If you're looking for the best and cheapest car insurance in Hayward, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Hayward and prepared this guide for you.

The average cost of auto insurance in Hayward for full coverage is $2,148 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Hayward. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Hayward

According to a study by Insurance.com, the cheapest car insurance companies in Hayward for 2023 are Progressive and USAA.

Progressive is the cheapest option for most Hayward drivers, with an average annual rate of $1,563.

Car insurance cost 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
Progressive$1,563
USAA$1,569
Geico$1,596
Mercury Insurance$1,799
Travelers$2,128
Auto Club Enterprises (AAA)$2,156
Auto-Owners$2,185
Allstate$2,215
Kemper Insurance$2,341
Nationwide$2,408
CSAA Insurance (AAA)$2,444
State Farm$2,469
Farmers$2,571
The Hartford$2,624

Cheapest car insurance cost in Hayward by Age Group

The cheapest auto insurance company in Hayward for teen drivers is USAA. For full coverage, its average annual rate for Hayward drivers is $3,638. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

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

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Hayward at about $2,112 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Hayward is the Progressive. Its average rate for a full coverage car insurance policy is $1,583 per year.

If you are a senior driver in Hayward and looking for a cheap car insurance company, then consider buying insurance from the Geico. It is the cheapest auto insurance company for senior drivers with an average premium of $1,592 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$2,216$2,072$5,050$2,890
Auto Club Enterprises (AAA)$2,278$2,162$5,895$3,471
Auto-Owners$2,217$2,190$4,240$3,138
CSAA Insurance (AAA)$2,476$2,403$8,014$3,778
Farmers$2,645$2,547$5,680$3,741
Geico$1,623$1,592$3,793$2,112
Kemper Insurance$2,614$3,074$7,133$4,138
Mercury Insurance$1,861$1,849$4,477$3,053
Nationwide$2,483$2,299$8,311$4,198
Progressive$1,583$1,680$4,678$2,617
State Farm$2,510$2,073$4,546$3,213
The Hartford$2,708$2,290$5,934$3,661
Travelers$2,175$2,087$4,248$2,888
USAA$1,612$1,615$3,638$2,184

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.

Here are some of the cheapest car insurance companies in Hayward based on driver profile.

Cheapest for drivers with a speeding ticket: USAA

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Hayward. It offers full coverage car insurance for drivers age 30 at about $1,623 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
USAA$1,623
Geico$2,359
Mercury$2,420
Auto-Owners$2,480
Progressive$2,691
Auto Club Entreprises$2,772
Travelers$3,056
Kemper$3,125
CSAA$3,165
Allstate$3,226
State Farm$3,555
Nationwide$3,620
Farmers$3,700
Hartford$4,149

Cheapest auto insurance after an at-fault accident: USAA

USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Hayward is $2,232. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
USAA$2,232
Progressive$2,881
Mercury$3,023
Auto Club Entreprises$3,030
Geico$3,059
Auto-Owners$3,163
Travelers$3,498
Nationwide$3,766
CSAA$3,799
State Farm$3,974
Farmers$4,008
Kemper$5,090
Allstate$5,215
Hartford$5,591

Cheapest auto insurance after a DUI: Mercury

Mercury is the carrier that offers cheap auto insurance rates in Hayward for drivers after a DUI. Its average annual rate for full coverage is $3,028.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
Mercury$3,028
Progressive$3,350
Geico$3,796
Auto-Owners$3,866
USAA$4,238
Travelers$4,308
Farmers$4,625
Kemper$5,090
Auto Club Entreprises$5,876
Nationwide$6,635
State Farm$8,200
Allstate$8,759
CSAA$8,998
Hartford$10,267

Average car insurance cost in Hayward

The average car insurance rate in Hayward for full coverage is $2,148 per year or $179 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Hayward is $566 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$2,148$566

Methodology

Insurance.com commissioned 2022 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 2022.

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. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in California

Anaheim
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$2,327/year
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Portola
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San Diego
$2,035/year
San Francisco
$2,395/year
Sausalito
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