Buy Cheap Hayward, CA Auto Insurance in 2024
Hayward, CA auto insurance rates average $315 a month. Minimum auto insurance requirements in Hayward, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Hayward, CA, compare Hayward auto insurance quotes from top companies.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
On This Page
- Average auto insurance rates in Hayward, CA after a DUI are $5,307/year
- The most expensive auto insurance company in Hayward after a DUI is Nationwide
- Average auto insurance rates in Hayward, CA are $315/month
Finding affordable Hayward, California auto insurance can be challenging, but everything you need to know to buy cheap Hayward, CA auto insurance with confidence is right here. Auto insurance rates in Hayward are affected by local factors as well as personal ones like your driving record.
See how Hayward, CA car insurance rates compare to San Diego auto insurance rates, San Jose auto insurance rates, and Bakersfield auto insurance rates before you read more about the cost of auto insurance in Hayward.
Don’t buy Hayward, CA auto insurance until you’ve compared rates. Get free Hayward, California auto insurance quotes when you enter your ZIP code above.
Hayward, CA Minimum Auto Insurance Requirements
The required auto insurance in Hayward, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Hayward, California is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Buy Cheap Hayward, CA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Hayward, California auto insurance rates? Find out how car insurance rates in Hayward, CA are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,783 | $2,788 | $2,035 | $2,055 | $7,760 | $9,774 | $3,571 | $3,930 |
| Farmers | $2,822 | $2,822 | $2,542 | $2,542 | $9,024 | $14,834 | $3,346 | $3,729 |
| Geico | $1,714 | $1,715 | $1,613 | $1,613 | $5,205 | $5,296 | $2,460 | $2,517 |
| Liberty Mutual | $2,336 | $2,214 | $2,168 | $2,102 | $5,117 | $5,433 | $2,639 | $2,656 |
| Nationwide | $3,592 | $3,431 | $3,120 | $2,943 | $9,139 | $10,079 | $4,297 | $4,259 |
| Progressive | $1,887 | $1,944 | $1,587 | $1,894 | $5,004 | $6,056 | $2,714 | $2,922 |
| State Farm | $3,343 | $3,343 | $2,986 | $2,986 | $6,140 | $7,609 | $3,702 | $3,818 |
| Travelers | $2,616 | $2,535 | $2,309 | $2,283 | $5,408 | $6,227 | $3,415 | $3,346 |
| USAA | $1,971 | $1,868 | $1,922 | $1,931 | $4,494 | $4,530 | $2,737 | $2,587 |
Buy Cheap Hayward, CA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Hayward can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Hayward, CA are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,760 | $9,774 |
| Farmers | $9,024 | $14,834 |
| Geico | $5,205 | $5,296 |
| Liberty Mutual | $5,117 | $5,433 |
| Nationwide | $9,139 | $10,079 |
| Progressive | $5,004 | $6,056 |
| State Farm | $6,140 | $7,609 |
| Travelers | $5,408 | $6,227 |
| USAA | $4,494 | $4,530 |
Buy Cheap Hayward, CA Auto Insurance for Seniors
You can save on senior auto insurance rates in Hayward, California by comparing Hayward senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Hayward, CA here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,035 | $2,055 |
| Farmers | $2,542 | $2,542 |
| Geico | $1,613 | $1,613 |
| Liberty Mutual | $2,168 | $2,102 |
| Nationwide | $3,120 | $2,943 |
| Progressive | $1,587 | $1,894 |
| State Farm | $2,986 | $2,986 |
| Travelers | $2,309 | $2,283 |
| USAA | $1,922 | $1,931 |
Find Cheap Auto Insurance Rates in Hayward, CA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Hayward, California auto insurance. Compare Hayward, CA auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,122 | $4,373 | $4,516 |
| Farmers | $4,868 | $5,245 | $5,509 |
| Geico | $2,535 | $2,797 | $2,968 |
| Liberty Mutual | $2,883 | $3,110 | $3,257 |
| Nationwide | $4,644 | $5,191 | $5,488 |
| Progressive | $2,726 | $3,084 | $3,193 |
| State Farm | $3,852 | $4,309 | $4,561 |
| Travelers | $3,106 | $3,609 | $3,837 |
| USAA | $2,514 | $2,805 | $2,945 |
Find Cheap Hayward, CA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Hayward. Compare auto insurance rates in Hayward, CA by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,914 | $4,760 |
| Farmers | $4,726 | $5,690 |
| Geico | $2,513 | $3,020 |
| Liberty Mutual | $2,831 | $3,335 |
| Nationwide | $4,506 | $5,709 |
| Progressive | $2,722 | $3,280 |
| State Farm | $4,088 | $4,394 |
| Travelers | $3,159 | $3,876 |
| USAA | $2,540 | $2,970 |
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Find Cheap Hayward, CA Auto Insurance Rates by ZIP Code
Auto insurance rates in Hayward, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Hayward, CA to see how much where you live in Hayward affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 94541 | $5,320 |
| 94542 | $5,181 |
| 94544 | $5,341 |
| 94545 | $4,992 |
Find Cheap Hayward, CA Auto Insurance Rates by Driving Record
Auto insurance rates in Hayward, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Hayward, CA, take a look at the average cost for various violations versus rates for a clean driving record in Hayward.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,615 | $4,402 | $6,900 | $3,432 |
| Farmers | $3,846 | $5,241 | $6,536 | $5,208 |
| Geico | $1,936 | $2,981 | $3,747 | $2,402 |
| Liberty Mutual | $2,676 | $3,586 | $3,235 | $2,835 |
| Nationwide | $3,562 | $4,564 | $7,741 | $4,564 |
| Progressive | $1,967 | $3,334 | $3,869 | $2,833 |
| State Farm | $3,025 | $3,608 | $6,819 | $3,511 |
| Travelers | $2,347 | $3,813 | $4,458 | $3,452 |
| USAA | $1,830 | $2,725 | $4,460 | $2,005 |
Find Cheap Hayward, CA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Hayward, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Hayward for less when you shop around and compare rates from multiple Hayward, CA auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,900 |
| Farmers | $6,536 |
| Geico | $3,747 |
| Liberty Mutual | $3,235 |
| Nationwide | $7,741 |
| Progressive | $3,869 |
| State Farm | $6,819 |
| Travelers | $4,458 |
| USAA | $4,460 |
Winners by Category: Where to Buy Cheap Auto Insurance in Hayward, CA
Compare rates from the cheapest auto insurance companies in Hayward, CA for your needs. Take a look at how Hayward, California auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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Find Cheap Hayward, California Auto Insurance Companies
If you’re looking for the cheapest Hayward, CA auto insurance companies overall, you can compare them here. Find the best price for Hayward, California car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,337 |
| Farmers | $5,208 |
| Geico | $2,767 |
| Liberty Mutual | $3,083 |
| Nationwide | $5,108 |
| Progressive | $3,001 |
| State Farm | $4,241 |
| Travelers | $3,517 |
| USAA | $2,755 |
What affects Hayward, California auto insurance rates?
Local factors affect auto insurance rates in Hayward, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Hayward auto insurance rates.
Auto Theft in Hayward
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Hayward, CA auto theft show a total of 1,376 vehicle thefts annually.
Commute Times in Hayward
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Hayward, CA is 34.9 minutes according to City-Data.
Compare Auto Insurance Quotes in Hayward, CA
You can buy cheap Hayward, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Hayward, California auto insurance quotes from top companies.
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Frequently Asked Questions
How can I buy cheap auto insurance in Hayward, CA?
To buy cheap auto insurance in Hayward, CA, you can follow a few strategies:
- Compare Quotes: Obtain quotes from multiple insurance providers and compare them to find the most affordable option that meets your coverage needs.
- Opt for Higher Deductibles: Choosing a higher deductible can lower your insurance premium. However, be sure you can comfortably afford the deductible in case of a claim.
- Maintain a Good Driving Record: Having a clean driving record with no accidents or traffic violations can help you secure lower insurance rates.
- Bundle Your Policies: Consider bundling your auto insurance with other policies, such as home or renters insurance, from the same provider. This can often lead to discounts.
- Explore Available Discounts: Ask insurance companies about any available discounts, such as safe driver discounts, low mileage discounts, or discounts for taking defensive driving courses.
Are there any specific auto insurance requirements in Hayward, CA?
Yes, Hayward, CA follows the auto insurance requirements set by the state of California. The minimum coverage required for auto insurance in California includes:
- $15,000 for injury/death to one person.
- $30,000 for injury/death to more than one person.
- $5,000 for property damage.
What factors influence auto insurance rates in Hayward, CA?
Several factors can influence auto insurance rates in Hayward, CA, including:
- Driving record: A history of accidents or traffic violations may result in higher insurance rates.
- Age and gender: Younger and inexperienced drivers, as well as male drivers, often face higher insurance premiums.
- Vehicle type: The make, model, and year of your vehicle can impact insurance rates.
- Coverage and deductibles: The level of coverage you choose and the deductible amount can affect your premiums.
- Location: Where you live and park your car in Hayward, CA can impact insurance rates. Areas with higher crime rates or more traffic congestion may lead to higher premiums.
- Credit history: Insurance companies may consider your credit history as a factor in determining rates.
- Annual mileage: The number of miles you drive annually can influence your insurance costs.
How can I find reliable auto insurance providers in Hayward, CA?
To find reliable auto insurance providers in Hayward, CA, you can consider the following steps:
- Research: Conduct online research and gather information about various insurance companies operating in the area.
- Check reviews: Look for customer reviews and ratings to get insights into the experiences of other policyholders.
- Seek recommendations: Ask family, friends, or colleagues for recommendations based on their personal experiences.
- Financial stability: Verify the financial stability and strength of the insurance companies you are considering. Rating agencies such as A.M. Best, Standard & Poor’s, and Moody’s provide insights into the financial health of insurers.
- Licensing: Ensure that the insurance companies are licensed to operate in California and have the necessary credentials.
Can I get discounts on auto insurance in Hayward, CA?
Yes, many insurance providers offer discounts on auto insurance in Hayward, CA. Some common discounts include:
- Multi-policy discount: Bundling multiple policies, such as auto and home insurance, with the same provider.
- Good driver discount: Reward for maintaining a clean driving record with no accidents or violations.
- Low mileage discount: Discount for driving fewer miles annually.
- Safety features discount: If your vehicle is equipped with safety features such as anti-lock brakes, airbags, or an anti-theft system, you may be eligible for a discount.
- Good student discount: Discount for students who maintain good grades.
- Defensive driving course discount: Completion of a defensive driving course can often lead to a discount on insurance premiums.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.