Best Cheap Auto Insurance in Hayward, CA (2021)

On average, Hayward, CA auto insurance rates are $4,992/yr. The cheapest auto insurance company in Hayward, California, is USAA. However, Hayward, CA auto insurance quotes vary for each person. Hayward, CA car insurance must meet the California minimum requirements with coverage levels of 15/30/5 for liability. Compare Hayward, CA auto insurance online to find the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • Hayward, CA auto insurance rates cost $4,992/yr on average
  • The cheapest auto insurance company in Hayward, CA, is USAA
  • Hayward, CA auto insurance quotes are affected by commute time and vehicle theft

On average, Hayward, CA auto insurance rates are $4,992 per year, which is about $1,303 more than the California state average and $1,030 more than the national average.

Auto insurance in Hayward, CA varies for each person because auto insurance costs depend on personal factors.

Read through this guide to learn more about Hayward, California auto insurance, and how shopping around can lead to cheap auto insurance.

Monthly Hayward, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Hayward, CA car insurance rates by ZIP Code below:

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

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare {CITY, STATE NAME} against other top US metro areas’ auto insurance rates.

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Are you ready to find affordable Hayward, CA auto insurance quotes? Enter your ZIP code above to compare multiple auto insurance companies near you.

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

The cheapest car insurance company in Hayward, California, based on average rates, is USAA.

The cheapest Hayward, CA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California auto insurance company rates?” We cover that as well.

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The best auto insurance companies in Hayward, CA, ranked from cheapest to most expensive are:

  • USAA – $2,755
  • GEICO – $2,767
  • Progressive – $3,001
  • Liberty Mutual – $3,083
  • Travelers – $3,517
  • State Farm – $4,241
  • Allstate – $4,337
  • Nationwide – $5,108
  • Farmers – $5,208

If you’re not a veteran or in the immediate family of someone in the U.S. Armed Forces, you won’t be eligible for a USAA auto insurance policy.

Therefore, you’ll have to choose a company available to all potential customers, such as GEICO, Progressive, etc.

All companies in the top insurance company list are less expensive than the Hayward average except Nationwide and Farmers.

Hayward, California 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 significant role in your Hayward, CA auto insurance rates. Find the cheapest Hayward, California auto insurance rates by coverage level below:

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Your driving record will affect your Hayward auto insurance rates. For example, a Hayward, California DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Hayward, California 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 risk factors will ensure you have the cheapest Hayward, California auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Hayward. 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 are the minimum auto insurance requirements in Hayward, CA?

All Hayward drivers have to meet the minimum California auto insurance requirements.

In California, you have to carry at least:

  • $15,000 per person for bodily injury liability
  • $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

California is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

If an insurance policy is insufficient, the no-fault driver has the right to sue the at-fault driver for the remainder of the cost.

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What affects auto insurance rates in Hayward, CA?

The quickest road to cheap Hayward, CA auto insurance is a clean driving record, age, and whether you qualify for several discounts.

If you’re in the 16 to 24 age range, auto insurance rates could cost twice as much. We recommend that you stay under a parent’s policy.

You could still be eligible for discounts if you’re a student with good grades and no driving incidents.

Gender and credit-based auto insurance have been outlawed in California, but commute mileage and vehicle thefts are still factors.

According to City-Data, the average commute time in Hayward is 36 minutes, which is 11 minutes slower than the national average.

Driving your vehicle less in Hayward could save at least ten percent on your auto insurance, but your savings will depend on the company.

Why is comprehensive coverage recommended in Hayward, CA?

Any city with a low vehicle theft rate can get a deal on comprehensive coverage. According to the 2019 FBI statistics, Hayward, CA had 1,241 vehicle thefts.

Hayward, CA weather is also something you should consider. According to City-Data, Hayward had 13 flooding disasters in 2019.

Although comprehensive coverage isn’t required, it’s highly recommended to avoid expensive out-of-pocket costs.

Hayward, CA Auto Insurance: The Bottom Line

Hayward, CA car insurance rates are expensive, but it’s still cheaper than Los Angeles auto insurance. The best way to secure cheap auto insurance is to maintain a clean driving record.

Before you buy Hayward, CA auto insurance, shop around for a policy where you can save money. Use our free comparison tool below to get fast, free auto insurance quotes.

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

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