Compare Hayward, CA Car Insurance Rates (2021)

On average, Hayward, California, car insurance costs $314 per month or $3,779 annually. The most affordable Hayward, CA car insurance company is USAA, followed by GEICO. However, your individual Hayward, CA car insurance rates depend on your driving record and coverage needs. By law, all Hayward residents must carry the California minimum car insurance limits of 15/30/5 in liability coverage to drive on the roads.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 26, 2021

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Here's What You Need to Know

  • The cheapest Hayward, CA car insurance company is USAA, followed by GEICO
  • Very high vehicle theft statistics influence your Hayward, CA car insurance costs
  • Hayward car insurance rates are low to average for the state of California

The average cost of Hayward, California, car insurance is $314 per month or $3,779 per year. However, your age, driving record, and coverage needs impact your Harward, CA car insurance quotes.

Below, compare the average annual rates the leading providers charge for car insurance in Hayward and learn how to secure cheap car insurance in your city.

Find the best Hayward, CA car insurance company for you by entering your ZIP code into our free quote tool above.

What is the cheapest car insurance company in Hayward, CA?

Who are the best California car insurance companies? The cheapest Hayward, CA car insurance company is USAA. However, only military personnel can use its services.

GEICO provides the next most affordable Hayward, CA car insurance quotes on average and is available to everyone.

Take a look at the list below to compare the average annual rates leading insurance companies charge Hayward residents for coverage, organized from least to most expensive:

  • USAA – $2,754.95
  • GEICO – $2,766.50
  • Progressive – $3,000.82
  • Liberty Mutual – $3,083.09
  • Travelers – $3,517.36
  • State Farm – $4,240.76
  • Allstate – $4,337.05
  • Nationwide – $5,107.57
  • Farmers – $5,207.68

It’s important to note that each company uses slightly different formulas to calculate car insurance rates.

However, in California, non-driving factors such as gender and credit history cannot be used to determine your premiums.

To secure your lowest possible car insurance prices, compare quotes from more than one of the providers listed above.

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What car insurance coverage is required in Hayward, CA?

By law, all Hayward residents must meet the California minimum car insurance requirements to drive on the roads.

What happens if you have no car insurance in California? You face fines of up to $500 and a one-year vehicle registration suspension.

Currently, California requires the following car insurance limits:

  • $15,000 per person and $30,000 per incident in bodily injury liability coverage
  • $5,000 in property damage liability coverage

Insurance companies in California must also offer you at least $1,000 in Medical Payments (MedPay) coverage. However, you can turn it down by signing a waiver.

California is an at-fault or tort state. If you cause an accident, your liability car insurance coverage pays for the damages to the other party involved.

What affects car insurance rates in Hayward, CA?

Substantially higher than state average auto theft rates heavily influence your Hayward, CA car insurance costs.

However, overflow traffic from San Francisco and annual Hayward, CA weather patterns also impact what you pay for coverage.

Fortunately, the weather conditions in Hayward stay relatively calm and temperate year-round.

While no data exists specifically for Hayward, INRIX ranks the nearby city of San Francisco as the sixth-most congested city in America.

Driving often in heavy traffic increases your chances of getting into an accident, which also increases your insurance costs.

According to City-Data, the average commute time for Hayward residents is 36.3 minutes.

Unfortunately, the Federal Bureau of Investigation (FBI) recorded 1,801 car thefts in 2017 in Hayward. That’s a staggeringly high rate of 1,116 cars stolen per 100,000 residents.

Hayward, CA Car Insurance: The Bottom Line

Overall, Hayward car insurance costs are low to average for the state of California.

Remember to ask about car insurance discounts for even more savings opportunities.

By taking the time to research and compare quotes from multiple companies online before choosing a policy, you’ll quickly secure cheap Hayward, CA car insurance rates.

Now that you’re ready to buy Hayward, CA car insurance, enter your ZIP code into our free quote tool below and start comparison shopping.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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