California has more licensed drivers than any other state and so, as a result, car accidents are more likely to occur. To protect against at-fault collisions, drivers in Hayward are required to carry car insurance. The average cost of car insurance in Hayward is $2,153 per year for a full coverage policy and $726 per year for a minimum coverage policy.
Hayward drivers have a number of options when it comes to car insurance. To find the best car insurance in Hayward, we evaluated some of the largest providers based on criteria like average rate, discounts, coverage options and third-party ratings.
Best car insurance companies in Hayward
Based on our in-depth comparison, the best car insurance companies in Hayward are Wawanesa, Geico, Progressive and Mercury. We chose these providers because they offer below-average rates, generous discounts and good coverage options. Additionally, these companies are all rated above average for overall customer satisfaction in California by J.D. Power.
|Insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for full coverage|
In J.D. Power’s 2021 U.S. Auto Insurance Study, Wawanesa was rated the top company for overall customer satisfaction in the California region. In addition to great customer service, Wawanesa also offers very low rates and has great discounts. There are savings for good drivers, loyal customers, affinity group members, retired drivers, bundling policies and more. There are also several endorsements that you can purchase for more coverage.
Learn more: Wawanesa Insurance review
Geico is one of the cheapest insurance companies in Hayward. Its average annual premium of $1,609 is more than $540 cheaper than the citywide average rate. Geico also provides a long list of potential discounts including savings for being a member of the military, being on emergency deployment, being a federal employee, qualifying as a safe driver and driving a vehicle with certain safety features. The only downside to Geico is that the coverage is very basic, with limited endorsements.
Learn more: Geico Insurance review
Progressive is a solid auto insurance company all around, with affordable rates, good discounts and a few optional coverages. However, Progressive’s best feature is its lineup of online tools and resources. You can use the Name Your Price Tool to build a policy within your budget, and compare Progressive’s rates to competitor prices on the website. Progressive also has one of the best safe driver reward programs in the industry, called Snapshot.
Learn more: Progressive Insurance review
With Mercury, Hayward drivers can get affordable car insurance and great customer service. The company also offers guaranteed repairs and 24/7 claims. We recommend Mercury for drivers who are looking to save money with discounts. The company offers extra savings for good drivers, enrolling in autopay, bundling your policies, being a good student and more. If you drive infrequently, you might consider Mercury’s pay-per-mile policy, called RealDrive.
Learn more: Mercury Insurance review
Cheapest car insurance in Hayward
In Hayward, the average annual cost of car insurance is more expensive than the average annual rate in California. For comparison, the average California driver pays $2,065 per year for full coverage. Nationwide, the average cost of car insurance is only $1,674 per year for a full coverage policy.
However, every car insurance company in Hayward charges a different rate for coverage, and some providers are cheaper than others. The table below includes the cheapest car insurance rates from the most popular carriers in Hayward based on market share:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Geico, AAA, Travelers, Mercury and Progressive are a few of the cheapest car insurance companies in California. But when comparing cheap car insurance providers, it is important to look at factors besides price to find the best company for your needs.
For instance, Hayward drivers who are looking for a company with multiple endorsements should consider AAA, Progressive or Travelers. If you are looking for the best discounts, Geico and Progressive are the two best options. In terms of customer service, the only provider that is not rated by J.D. Power is Travelers, which is something to keep in mind.
Hayward insurance requirements
Drivers in Hayward are required to carry at least 15/30/5 in personal liability car insurance in order to legally register their vehicle and drive. The required coverages include:
- $15,000 in bodily injury coverage per person
- $30,000 in bodily injury coverage per accident
- $5,000 in property damage coverage per accident
If you choose a minimum coverage policy, you will pay the lowest rate. However, insurance companies recommend that most drivers purchase more coverage than what is required. If you cause an accident and you do not have enough coverage to pay for your financial responsibilities, you will have to pay the difference out-of-pocket. In addition, if you lease or finance your vehicle, it is likely that your lender will require full coverage insurance.
Car insurance discounts in Hayward
Drivers in Hayward who want an affordable car insurance premium should look for car insurance companies in California that offer discounts. Here are some of the most popular car insurance discounts available in Hayward:
- Policy bundling discount: Many insurance companies offer a discount for bundling your auto and home, renters or condo insurance policy.
- Claims-free discount: Drivers who have no insurance claims on their record within the last several years may be able to get a better rate.
- Vehicle safety discounts: If your car is equipped with safety features, like anti-locks or an anti-theft device, you might be able to qualify for a discount.
- AutoPay discount: Enrolling in automatic payments to pay your monthly premium may help you save some money.
While many car insurance companies offer discounts, the actual savings potential will vary. For example, policy bundling discounts can often help you save up to 20%, but an AutoPay discount is usually much smaller. When comparing providers, pay attention to the discounts you can personally qualify for in order to maximize your savings.
Frequently asked questions
What is the best car insurance company?
The best car insurance company is different for every driver. It depends on factors such as your location, your budget, the type of coverage you need and which discounts you qualify for, among others. To find the best company for you, shop around and compare providers based on your own criteria, then get quotes from a few different companies to see which provider can offer the lowest rate.
How much car insurance do I need in Hayward?
In Hayward, drivers must carry at least 15/30/5 in personal liability car insurance. However, raising your coverage limits or upgrading to a full coverage policy is a good investment, according to insurance experts. If you lease or finance your car, full coverage might be required until your loan is paid off.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.