Car insurance in Hayward for an adult with a clean driving record and good insurance score costs $2,148 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Hayward by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Hayward.

Key Highlights
  • Car insurance in Hayward is almost same as car insurance in California for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Hayward is $2,148 per year or $179 per month.
  • In Hayward, Progressive offers the cheapest full coverage car insurance at $130 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Hayward, CA?

The average auto insurance rates in Hayward, CA at various coverage levels are listed below:

  • State minimum: $566 per year
  • Liability-only coverage (50/100/50): $824 per year
  • Full coverage (100/300/100): $2,148 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Progressive$437$630$1,563
USAA$397$568$1,569
Geico$368$581$1,596
Mercury Insurance$517$767$1,799
Travelers$519$775$2,128
Auto Club Enterprises (AAA)$508$715$2,156
Auto-Owners$699$1,030$2,185
Allstate$665$857$2,215
Kemper Insurance$525$836$2,341
Nationwide$714$1,088$2,408
CSAA Insurance (AAA)$450$634$2,444
State Farm$621$911$2,469
Farmers$837$1,242$2,571
The Hartford$662$904$2,624

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Hayward, CA?

Out of all the carriers available in Hayward, Progressive offers the cheapest full coverage car insurance at $130 per month.

The second-cheapest car insurance company in Hayward is USAA, offering car insurance at $131 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Progressive$130
USAA$131
Geico$133
Mercury Insurance$150
Travelers$177
Auto Club Enterprises (AAA)$180
Auto-Owners$182
Allstate$185
Kemper Insurance$195
Nationwide$201
CSAA Insurance (AAA)$204
State Farm$206
Farmers$214
The Hartford$219

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Hayward, CA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in California is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Hayward, CA

See the average annual premium for drivers with two speeding tickets on their records in Hayward, CA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
USAA$237
Progressive$240
Mercury$255
Auto Club Enterprises$301
Geico$301
Auto-Owners$322
Travelers$328
Farmers$398
Nationwide$419
Kemper$424
Hartford$453
Allstate$471
State Farm$471
CSAA$483

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Hayward, CA

See the average annual premium for a driver convicted of DUI in Hayward, CA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
Mercury$252
Progressive$279
Geico$316
Auto-Owners$322
USAA$353
Travelers$359
Farmers$385
Kemper$424
Auto Club Enterprises$490
Nationwide$553
State Farm$683
Allstate$730
CSAA$750
Hartford$856

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Hayward, CA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Hayward, CA, by age

Age is a key factor when considering car insurance rates in most cities, including Hayward – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$466
16Auto Club Enterprises (AAA)$545
16Auto-Owners$379
16Geico$348
16CSAA Insurance (AAA)$893
16Farmers$514
16The Hartford$587
16Kemper Insurance$724
16Mercury Insurance$442
16Nationwide$892
16Progressive$412
16State Farm$443
16Travelers$398
16USAA$357
17Allstate$466
17Auto Club Enterprises (AAA)$539
17Auto-Owners$379
17Geico$343
17CSAA Insurance (AAA)$683
17Farmers$506
17The Hartford$541
17Kemper Insurance$643
17Mercury Insurance$392
17Nationwide$742
17Progressive$413
17State Farm$398
17Travelers$376
17USAA$323
18Allstate$444
18Auto Club Enterprises (AAA)$489
18Auto-Owners$379
18Geico$337
18CSAA Insurance (AAA)$644
18Farmers$492
18The Hartford$512
18Kemper Insurance$584
18Mercury Insurance$374
18Nationwide$652
18Progressive$410
18State Farm$377
18Travelers$358
18USAA$302
19Allstate$308
19Auto Club Enterprises (AAA)$392
19Auto-Owners$276
19Geico$237
19CSAA Insurance (AAA)$451
19Farmers$381
19The Hartford$338
19Kemper Insurance$427
19Mercury Insurance$285
19Nationwide$484
19Progressive$324
19State Farm$298
19Travelers$284
19USAA$231
20Allstate$283
20Auto Club Enterprises (AAA)$334
20Auto-Owners$276
20Geico$233
20CSAA Insurance (AAA)$392
20Farmers$362
20The Hartford$326
20Kemper Insurance$391
20Mercury Insurance$285
20Nationwide$461
20Progressive$301
20State Farm$287
20Travelers$271
20USAA$223
21Allstate$244
21Auto Club Enterprises (AAA)$288
21Auto-Owners$304
21Geico$168
21CSAA Insurance (AAA)$348
21Farmers$331
21The Hartford$314
21Kemper Insurance$365
21Mercury Insurance$265
21Nationwide$357
21Progressive$226
21State Farm$274
21Travelers$246
21USAA$183
22Allstate$239
22Auto Club Enterprises (AAA)$280
22Auto-Owners$243
22Geico$164
22CSAA Insurance (AAA)$304
22Farmers$289
22The Hartford$306
22Kemper Insurance$346
22Mercury Insurance$265
22Nationwide$329
22Progressive$206
22State Farm$269
22Travelers$236
22USAA$176
23Allstate$222
23Auto Club Enterprises (AAA)$274
23Auto-Owners$243
23Geico$160
23CSAA Insurance (AAA)$273
23Farmers$289
23The Hartford$296
23Kemper Insurance$323
23Mercury Insurance$265
23Nationwide$311
23Progressive$188
23State Farm$257
23Travelers$230
23USAA$168
24Allstate$216
24Auto Club Enterprises (AAA)$271
24Auto-Owners$243
24Geico$156
24CSAA Insurance (AAA)$256
24Farmers$289
24The Hartford$283
24Kemper Insurance$298
24Mercury Insurance$193
24Nationwide$290
24Progressive$170
24State Farm$251
24Travelers$220
24USAA$160
25Allstate$209
25Auto Club Enterprises (AAA)$236
25Auto-Owners$205
25Geico$152
25CSAA Insurance (AAA)$231
25Farmers$248
25The Hartford$276
25Kemper Insurance$284
25Mercury Insurance$193
25Nationwide$264
25Progressive$157
25State Farm$243
25Travelers$213
25USAA$154
30Allstate$193
30Auto Club Enterprises (AAA)$192
30Auto-Owners$189
30Geico$137
30CSAA Insurance (AAA)$205
30Farmers$225
30The Hartford$251
30Kemper Insurance$221
30Mercury Insurance$155
30Nationwide$217
30Progressive$136
30State Farm$219
30Travelers$188
30USAA$137
35Allstate$188
35Auto Club Enterprises (AAA)$187
35Auto-Owners$189
35Geico$135
35CSAA Insurance (AAA)$205
35Farmers$214
35The Hartford$226
35Kemper Insurance$200
35Mercury Insurance$155
35Nationwide$208
35Progressive$134
35State Farm$210
35Travelers$181
35USAA$132
40Allstate$185
40Auto Club Enterprises (AAA)$180
40Auto-Owners$182
40Geico$133
40CSAA Insurance (AAA)$204
40Farmers$214
40The Hartford$219
40Kemper Insurance$195
40Mercury Insurance$150
40Nationwide$201
40Progressive$130
40State Farm$206
40Travelers$177
40USAA$131
45Allstate$174
45Auto Club Enterprises (AAA)$180
45Auto-Owners$182
45Geico$131
45CSAA Insurance (AAA)$204
45Farmers$216
45The Hartford$206
45Kemper Insurance$198
45Mercury Insurance$150
45Nationwide$192
45Progressive$124
45State Farm$201
45Travelers$175
45USAA$130
50Allstate$174
50Auto Club Enterprises (AAA)$177
50Auto-Owners$173
50Geico$130
50CSAA Insurance (AAA)$198
50Farmers$217
50The Hartford$206
50Kemper Insurance$209
50Mercury Insurance$141
50Nationwide$184
50Progressive$122
50State Farm$197
50Travelers$170
50USAA$130
55Allstate$170
55Auto Club Enterprises (AAA)$177
55Auto-Owners$173
55Geico$129
55CSAA Insurance (AAA)$198
55Farmers$209
55The Hartford$196
55Kemper Insurance$217
55Mercury Insurance$141
55Nationwide$183
55Progressive$120
55State Farm$189
55Travelers$164
55USAA$126
60Allstate$169
60Auto Club Enterprises (AAA)$166
60Auto-Owners$170
60Geico$128
60CSAA Insurance (AAA)$183
60Farmers$206
60The Hartford$192
60Kemper Insurance$231
60Mercury Insurance$143
60Nationwide$181
60Progressive$122
60State Farm$180
60Travelers$162
60USAA$126
65Allstate$168
65Auto Club Enterprises (AAA)$169
65Auto-Owners$170
65Geico$128
65CSAA Insurance (AAA)$197
65Farmers$206
65The Hartford$189
65Kemper Insurance$246
65Mercury Insurance$143
65Nationwide$183
65Progressive$129
65State Farm$162
65Travelers$166
65USAA$129
70Allstate$177
70Auto Club Enterprises (AAA)$183
70Auto-Owners$195
70Geico$133
70CSAA Insurance (AAA)$202
70Farmers$217
70The Hartford$189
70Kemper Insurance$274
70Mercury Insurance$158
70Nationwide$190
70Progressive$154
70State Farm$167
70Travelers$176
70USAA$135
75Allstate$176
75Auto Club Enterprises (AAA)$203
75Auto-Owners$195
75Geico$142
75CSAA Insurance (AAA)$219
75Farmers$219
75The Hartford$193
75Kemper Insurance$274
75Mercury Insurance$173
75Nationwide$212
75Progressive$156
75State Farm$182
75Travelers$191
75USAA$148

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Hayward, CA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Final thoughts: Car insurance cost in Hayward, CA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Hayward, CA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Hayward, California.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.