Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Hayward, CA
We monitor insurance prices, helping the average driver in Hayward save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Hayward
The chart below shows the cheapest car insurance company in Hayward for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Hayward Insurer | Monthly Cost |
|---|---|
| Metromile | $55 |
| Geico | $62 |
| Progressive | $67 |
| Travelers | $69 |
Savings for Every Kind of Hayward Driver
Based on our extensive insurance data, we know the average Hayward driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $702 per year by choosing the right vehicle insurance company. Some Hayward residents are paying out over $2,195 extra every year for auto insurance in Hayward. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hayward, CA Savings / Yr. |
|---|---|
$702 |
|
$1,285 |
|
$1,017 |
|
$1,786 |
|
$917 |
|
$398 |
|
$0 |
Hayward Car Insurance vs. California
People living in Hayward pay an average of 9.31% more than the typical driver in the state. The average driver in Hayward can expect to pay about $1,027 per year, or $2,195 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Hayward for most people.
Car Insurance Prices by Hayward Neighborhood
Insurance Prices
Where is insurance cheapest within Hayward?
The map shows insurance prices in and around Hayward, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $440 per year within the city boundaries, with insurance premiums ranging from a high of $2,459 to a low of $2,019. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of Hayward.Pick the Best Car Insurance Company for You in Hayward
The best car insurance provider for most drivers in Hayward
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $702 over the average Hayward car insurance company.
The best car insurance provider for Hayward drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,285 over the competition.
The best car insurance company for Hayward drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,017 better than other car insurance companies.
The best auto insurance for Hayward drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,786 less each year.
The least expensive car insurance company for new and young drivers in Hayward
In Hayward, State Farm costs young drivers $917 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hayward
Progressive gave the largest car insurance discounts to married couples, averaging $398 saved each year compared to an average Hayward couple's premiums.
The cheapest car insurance in Hayward for drivers with bad credit
The best Hayward car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hayward, which was better than other insurers.
The cheapest large national provider in Hayward
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Hayward driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hayward, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Hayward
What Influences the Cost of Car Insurance in Hayward?
On average, car insurance in Hayward is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Hayward is 44 minutes, which is far more than average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Hayward are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Hayward is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Hayward is $86 per month for minimum coverage and $183 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Cherryland: Insurance costs 2.00% more
- Fairview: Insurance costs 0.59% more
- San Lorenzo: Insurance costs 2.69% less
- Ashland: Insurance costs 5.97% more
- Castro Valley: Insurance costs 4.15% less
- Union City: Insurance costs 2.73% less
- San Leandro: Insurance costs 1.46% more
- Newark: Insurance costs 4.65% less
- Fremont: Insurance costs 4.97% less
- Sunol: Insurance costs 10.21% less
Cities with Similar Populations
- Duluth: Insurance costs 26.29% less
- Dublin: Insurance costs 5.33% less
- Dalton: Insurance costs 19.09% less
- Denton: Insurance costs 22.37% less
- Dallas: Insurance costs 14.90% less
- Davie: Insurance costs 39.86% more
- Compton: Insurance costs 12.85% more
- Columbus: Insurance costs 45.65% less
- Dallas: Insurance costs 15.90% less
- Conyers: Insurance costs 9.20% less