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Get Cheap Car Insurance in Southgate, Hayward, CA
We monitor insurance prices, helping the average driver in Southgate save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Southgate
The chart below shows the cheapest car insurance company in Southgate 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.
| Southgate Insurer | Monthly Cost |
|---|---|
| Metromile | $55 |
| Geico | $62 |
| Progressive | $67 |
| Travelers | $69 |
Savings for Every Kind of Southgate Driver
Based on our extensive insurance data, we know the average Southgate 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 Southgate residents are paying out over $2,194 extra every year for auto insurance in Southgate. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Southgate, Hayward, CA Savings / Yr. |
|---|---|
$702 |
|
$1,285 |
|
$1,016 |
|
$1,786 |
|
$917 |
|
$398 |
|
$0 |
Southgate Car Insurance vs. Hayward
People living in Southgate pay an average of 9.28% more than the typical driver in the state. The average driver in Southgate can expect to pay about $1,027 per year, or $2,194 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Southgate for most people.
Car Insurance Prices by Southgate Neighborhood
Insurance Prices
Where is insurance cheapest within Southgate?
The map shows insurance prices in and around Southgate, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $213 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,289 to a low of $2,076. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Southgate.Pick the Best Car Insurance Company for You in Southgate
The best car insurance provider for most drivers in Southgate
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $702 over the average Southgate car insurance company.
The best car insurance provider for Southgate 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 Southgate drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,016 better than other car insurance companies.
The best auto insurance for Southgate 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 Southgate
In Southgate, State Farm costs young drivers $917 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Southgate
Progressive gave the largest car insurance discounts to married couples, averaging $398 saved each year compared to an average Southgate couple's premiums.
The cheapest car insurance in Southgate for drivers with bad credit
The best Southgate car insurance company for customer service
Recent price drops
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The cheapest large national provider in Southgate
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Southgate 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 Southgate, 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 Southgate
What Influences the Cost of Car Insurance in Southgate?
On average, car insurance in Southgate 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 neighborhood are influenced by the following factors:
- The average commute time in Southgate is 42 minutes, which is far more than average for a driver in the city.
- 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 Southgate are higher 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 C according to CrimeGrade.org.
- Southgate has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Southgate 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 Neighborhoods
- Mt Eden: Insurance costs 3.24% less
- Glen Eden: Insurance costs 1.69% less
- Harder-Tennyson: Insurance costs 0.41% more
- Jackson Triangle: Insurance costs 2.87% more
- Santa Clara Street: Insurance costs 0.50% more
- Whitman-Mocine: Insurance costs 3.10% less
- Longwood-Winton Grove: Insurance costs 2.14% more
- Burbank-Hayward: Insurance costs 3.28% more
- Tennyson-Alquire: Insurance costs 0.23% less
- Mission-Foothill: Insurance costs 0.96% more
Neighborhoods with Similar Populations
- Agua Fria: Insurance costs 8.43% less
- Arrowhead: Insurance costs 4.79% more
- Columbia Forest: Insurance costs 38.24% less
- Royal Poinciana: Insurance costs 42.21% more
- Houston Suburban Homes: Insurance costs 12.03% less
- Royal Highlands: Insurance costs 8.93% more
- Roosevelt: Insurance costs 41.70% less
- Queensborough: Insurance costs 50.27% more
- Plaza-Eastway: Insurance costs 30.54% less
- Oak Forest: Insurance costs 28.58% less