Cheapest car insurance companies in Hayward
Geico and Mercury Insurance offer the cheapest car insurance rates in Hayward for 2023, according to a study by Insurance.com.
Geico has the cheapest car insurance rates in Hayward at an average cost of $1,925 per year.
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.
| Companies | Average 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
The cheapest auto insurance company in Hayward for teen drivers is USAA. For full coverage, its average annual rate for Hayward drivers is $4,175. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
Among the carriers analyzed, Geico is the cheapest car insurance option for young drivers in Hayward, at $2,532 a year for a full coverage policy.
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 Geico. Its average rate for a full coverage car insurance policy is $1,943 per year.
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.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
Your driving profile plays an important role in determining your car insurance rates in Hayward. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Hayward that suits your budget.
Below are some of the cheapest car insurance companies in Hayward by driver profile.
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: Progressive
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Hayward with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,929.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average 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 |
Cheapest auto insurance after an at-fault accident: USAA
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Hayward with at-fault accidents on their driving records can find the cheapest car insurance rates with USAA. Its full coverage policy costs an average of $2,452 annually.
| Company | Average 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 |
Cheapest auto insurance after a DUI: Progressive
Progressive is the cheapest option for Hayward drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $3,680, on average.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average 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
In Hayward, the annual cost of car insurance for the coverage level of 100/300/100 is $2,546 or around $212 per month. However, the average yearly rate for state minimum coverage in Hayward is $559.
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 Rates | State 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.
