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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Jul 14, 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.

Monthly Hayward, CA Car Insurance Rates by ZIP Code

Check out the monthly Hayward, CA auto insurance rates by ZIP Code below:

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Hayward, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Hayward, CA stack up against other top metro auto insurance rates? We’ve got your answer below.

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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.

Which Hayward, CA auto insurance company has the cheapest rates? And how do those rates compare against the average California auto insurance company rates? We’ve got the answers below.

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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.

Hayward, CA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Hayward auto insurance rates. Find the cheapest Hayward, CA auto insurance rates by coverage level below:

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Your driving record will play a major role in your Hayward auto insurance rates. For example, other factors aside, a Hayward, CA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Hayward, CA auto insurance rates by driving record.

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Factors affecting auto insurance rates in Hayward, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Hayward, California auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. California does use gender, so check out the average monthly auto insurance rates by age and gender in Hayward, CA.

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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.

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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.

Free Car Insurance Comparison

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

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Monthly Hayward, CA Car Insurance Rates by ZIP Code
Hayward, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Hayward, CA Car Insurance Rates by Company vs. City Average
Hayward, CA Car Insurance Rates by Company and Age
The Cheapest Hayward, CA Car Insurance Rates by Coverage Level
The Cheapest Hayward, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Hayward, CA
Average Monthly Car Insurance Rates by Age & Gender in Hayward, CA
Monthly Hayward, CA Car Insurance Rates by ZIP Code
Hayward, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Hayward, CA Car Insurance Rates by Company vs. City Average
Hayward, CA Car Insurance Rates by Company and Age
The Cheapest Hayward, CA Car Insurance Rates by Coverage Level
The Cheapest Hayward, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Hayward, CA
Average Monthly Car Insurance Rates by Age & Gender in Hayward, CA