Average car insurance cost in Hayward

The average car insurance rate in Hayward for full coverage is $2,546 per year or $212 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Hayward is $559 per year. The state minimum liability limits are 15/30/5.

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 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$1,273
Average annual premium$2,546
State minimum premium$559

Cheapest car insurance companies in Hayward

Geico offers the cheapest rates on average at $1,925 per year. Mercury Insurance is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit 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.

CompanyAverage 6 month rateAverage annual rate
Geico$963$1,925
Mercury Insurance$1,138$2,277
Progressive$1,193$2,387
Kemper$1,256$2,511
Allstate$1,279$2,558
Auto Club Enterprises (AAA)$1,296$2,591
Travelers$1,319$2,637
CSAA Insurance (AAA)$1,345$2,689
State Farm$1,449$2,899
Farmers$1,533$3,066
Nationwide$1,556$3,111
USAA$953$1,906

Cheapest car insurance cost in Hayward by age group

Car insurance rates in Hayward vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Hayward by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • 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 $4,817 per year.

Geico offers the most affordable auto insurance for young adults at $2,532 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Geico provides the lowest car insurance rates at $1,943 per year for adult drivers in Hayward.

Geico offers the least expensive car insurance for senior drivers in Hayward, at $1,936 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

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

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.

Below are some of the cheapest car insurance companies in Hayward by driver profile.

Cheapest auto insurance after an at-fault accident: Geico

In Hayward, Geico offers the cheapest car insurance for drivers with at-fault accident at $3,854 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.

CompanyAverage 6 month premiumAverage annual premium
Geico$1,927$3,854
Progressive$1,957$3,913
Mercury Insurance$1,995$3,989
CSAA Insurance (AAA)$2,047$4,094
Auto Club Enterprises (AAA)$2,097$4,193
Travelers$2,247$4,493
State Farm$2,440$4,880
Farmers$2,483$4,965
Nationwide$2,947$5,894
Allstate$3,050$6,099
USAA$1,564$3,128

Cheapest auto insurance after a DUI: Mercury Insurance

Mercury Insurance offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $4,060 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.

CompanyAverage 6 month premiumAverage annual premium
Mercury Insurance$2,030$4,060
Geico$2,416$4,832
Travelers$2,782$5,563
Progressive$2,879$5,758
Auto Club Enterprises (AAA)$4,054$8,108
Nationwide$4,461$8,922
CSAA Insurance (AAA)$4,852$9,704
State Farm$5,089$10,178
Allstate$5,096$10,192
Farmers$6,222$12,444
USAA$2,964$5,928

Cheapest for drivers with a speeding ticket: Geico

Geico offers the cheapest car insurance at $3,003 in Hayward for drivers with 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 offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Geico$1,502$3,003
Mercury Insurance$1,625$3,249
CSAA Insurance (AAA)$1,705$3,409
Progressive$1,841$3,682
Allstate$1,858$3,716
Auto Club Enterprises (AAA)$1,867$3,733
Travelers$1,960$3,919
Farmers$2,136$4,272
State Farm$2,187$4,373
Nationwide$2,914$5,827
USAA$1,162$2,324

Car insurance discounts for Hayward drivers

The biggest car insurance discount available in Hayward is for the years licensed category at 55.67%, offered by CSAA Insurance (AAA).

Car insurance is essential for drivers in Hayward, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Hayward drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsFarmers$3,2530.20%$7
Air BagsGeico$1,8960.05%$1
Air BagsNationwide$2,6860.64%$17
Anti-Theft DeviceAllstate$2,5950.34%$9
Anti-Theft DeviceFarmers$3,2530.06%$2
Anti-Theft DeviceGeico$1,8960.79%$15
Anti-Theft DeviceMercury Insurance$2,1680.62%$14
Anti-Theft DeviceProgressive$1,8440.16%$3
Anti-Theft DeviceTravelers$2,4601.61%$40
Lower Annual MileageAllstate$2,59514.08%$365
Lower Annual MileageAuto Club Enterprises (AAA)$2,5567.82%$200
Lower Annual MileageCSAA Insurance (AAA)$2,8209.72%$274
Lower Annual MileageFarmers$3,25315.18%$494
Lower Annual MileageGeico$1,89615.99%$303
Lower Annual MileageKemper Insurance$3,08313.27%$438
Lower Annual MileageMercury Insurance$2,1689.10%$197
Lower Annual MileageNationwide$2,68612.36%$332
Lower Annual MileageProgressive$1,84414.56%$269
Lower Annual MileageState Farm$2,6797.25%$194
Lower Annual MileageTravelers$2,46012.25%$302
Lower Annual MileageWawanesa Insurance$1,6267.58%$123
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$2,5565.76%$147
Loyalty - Years Renewal With CompanyCSAA Insurance (AAA)$2,8206.90%$195
Loyalty - Years Renewal With CompanyKemper Insurance$3,08313.23%$394
Loyalty - Years Renewal With CompanyState Farm$2,67919.43%$521
Marital StatusAllstate$2,5958.61%$224
Marital StatusAuto Club Enterprises (AAA)$2,5564.72%$121
Marital StatusFarmers$3,2532.11%$69
Marital StatusGeico$1,89614.20%$269
Marital StatusKemper Insurance$3,53614.45%$511
Marital StatusMercury Insurance$2,16811.00%$239
Marital StatusNationwide$2,6862.44%$66
Marital StatusProgressive$1,84415.61%$288
Marital StatusTravelers$2,4604.40%$108
Marital StatusWawanesa Insurance$1,62615.69%$255
Multi PolicyAllstate$2,5953.38%$88
Multi PolicyAuto Club Enterprises (AAA)$2,5568.62%$221
Multi PolicyCSAA Insurance (AAA)$2,8205.92%$167
Multi PolicyFarmers$3,25310.39%$338
Multi PolicyGeico$1,89610.45%$198
Multi PolicyMercury Insurance$2,1687.96%$173
Multi PolicyNationwide$2,68615.96%$429
Multi PolicyProgressive$1,84412.10%$223
Multi PolicyState Farm$2,67913.74%$368
Multi PolicyTravelers$2,4606.63%$163
Primary UseAllstate$2,5950.97%$25
Primary UseCSAA Insurance (AAA)$2,82018.13%$511
Primary UseNationwide$2,6868.65%$232
Primary UseState Farm$2,67913.03%$349
Primary UseTravelers$2,4609.21%$227
Primary UseWawanesa Insurance$1,6267.01%$114
Safety DevicesFarmers$3,2534.26%$139
Safety DevicesMercury Insurance$2,1681.23%$27
TelematicsNationwide$2,6864.75%$128
Years InsuredGeico$2,1089.34%$197
Years LicensedAllstate$6,49942.54%$2,765
Years LicensedAuto Club Enterprises (AAA)$7,69639.16%$3,014
Years LicensedCSAA Insurance (AAA)$12,26355.67%$6,826
Years LicensedFarmers$7,76632.89%$2,554
Years LicensedGeico$5,47137.33%$2,043
Years LicensedKemper Insurance$12,93347.27%$6,131
Years LicensedMercury Insurance$6,36740.31%$2,566
Years LicensedNationwide$12,14053.23%$6,462
Years LicensedProgressive$5,98042.33%$2,532
Years LicensedState Farm$5,75634.95%$2,012
Years LicensedTravelers$5,54634.00%$1,886
Years LicensedWawanesa Insurance$3,24531.68%$1,028

How to get cheap car insurance in Hayward in 2025

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 offered. 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

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.