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Car insurance coverage in Hayward costs an average of $1,955 annually for full coverage. That's $508 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Hayward, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Hayward provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Hayward

United Financial Casualty Co is the cheapest car insurance company in Hayward with an average cost of $1,208 per year, based on insurance.com's rate analysis. While Geico General is second in terms of the cheapest car insurance companies in Hayward. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
United Financial Casualty Co$1,208
GEICO General Ins Co$1,243
USAA Casualty Ins Co$1,288
Mercury Ins Co$1,666
Interinsurance Exchange$1,911
California Capital Ins Co$1,952
Allstate Northbrook Ind Co$2,008
Alliance United Ins Co$2,034
Metropolitan Direct P&C Ins Co$2,168
Travelers Commercial Ins Co$2,176
Hartford Underwriters Ins Co$2,192
Nationwide Ins Co of Am$2,218
State Farm Mutl Automobile Ins$2,333
Farmers Ins Exchange$2,429
CSAA Ins Exchange$2,499

Cheapest car insurance cost in Hayward by age group

Among the carriers surveyed by Insurance.com, Geico Gen Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,395 a year or $116 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Gen Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,224 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Gen Ins Co offers the cheapest car insurance for young adults in Hayward at about $2,733 a year. While State Farm Mut Auto Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,363 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Gen Ins Co$1,395$1,224$6,312$2,733
United Financial Cas Co$1,749$1,543$5,541$3,080
Allstate Northbrook Ind Co$1,876$1,514$6,292$3,167
State Farm Mut Auto Ins Co$2,362$1,953$4,363$3,046
Farmers Ins Exch$2,415$2,202$7,344$4,810
Amco Ins Co$2,439$2,266$8,018$4,141

Cheapest car insurance companies in Hayward by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Hayward no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with a speeding ticket: USAA
  • Cheapest for accident: USAA
  • Cheapest for DUI: Mercury

Cheapest auto insurance for drivers with a speeding ticket: USAA

USAA is the cheapest auto insurance company for a driver with a speeding ticket in Hayward. Its average annual premium is $1,943 annually or $162 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
California Capital Ins Co$2,966
Interinsurance Exchange$3,324
State Farm$3,800
Farmers Ins$4,237
Alliance United Ins Co$4,339
Hartford Underwriters Ins Co$4,660

Cheapest auto insurance after an at-fault accident: USAA

USAA offers the cheapest car insurance rates for a driver with an accident record in Hayward at about $2,930 per year. Apart from USAA, Mercury, United, and Interinsurance Exchange are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
Interinsurance Exchange$3,893
State Farm$4,903
Farmers Ins$5,296
California Capital Ins Co$5,350
Hartford Underwriters Ins Co$6,296
Alliance United Ins Co$7,118

Cheapest auto insurance after a DUI: Mercury

Mercury is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $3,782 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
California Capital Ins Co$4,625
Farmers Ins$5,296
Alliance United Ins Co$7,118
Interinsurance Exchange$7,251
State Farm$8,755
Hartford Underwriters Ins Co$11,627

Average car insurance cost in Hayward

The average car insurance rate in Hayward is $1,955 a year for a full coverage policy of 100/300/100 for a driver age 30, $508 more than the national average of $1,447.

The average annual premium in Hayward for minimum coverage is $524 a year or $44 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average