California has more licensed drivers than any other state and therefore car accidents are more likely to occur. To protect against at-fault collisions, Hayward drivers are required to carry auto 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 biggest providers based on criteria such as average rate, discounts, coverage options and third-party reviews.
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 lower than 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||Note from JD Power||Average annual premium for minimum coverage||Average annual premium for full coverage|
In JD Power’s 2021 U.S. Auto Insurance Study, Wawanesa was ranked first in overall customer satisfaction in the California region. In addition to excellent customer service, Wawanesa also offers very low rates and great discounts. There are savings for good drivers, loyal customers, affinity group members, retired drivers, grouping policies and more. There are also several riders you can purchase for more coverage.
Learn more: Wawanesa Insurance Review
Geico is one of Hayward’s cheapest insurance companies. Its average annual premium of $1,609 is more than $540 less than the citywide average rate. Geico also offers a long list of potential discounts, including savings for being a member of the military, being on an 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 coverage is very basic, with limited endorsements.
Learn more: Geico Insurance Review
Progressive is a solid auto insurance company, with affordable rates, good discounts, and a few optional coverages. However, Progressive’s best feature is its range of online tools and resources. You can use the Name Your Price tool to set a policy within your budget and compare Progressive’s prices to competitors’ prices on the website. Progressive also offers one of the best safe driver reward programs in the industry called Snapshot.
Learn more: Progressive Insurance Review
With Mercury, Hayward drivers can enjoy affordable auto insurance and excellent customer service. The company also offers warranty repairs and claims 24/7. We recommend Mercury to drivers looking to save money through discounts. The company offers additional savings for good drivers, by signing up for autopay, bundling your policies, being a good student and more. If you drive infrequently, you may want to 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 higher than the average annual rate in California. For comparison, the average California driver pays $2,065 per year for full coverage. Nationally, the average cost of auto insurance is just $1,674 per year for a full-coverage policy.
However, each auto insurance company in Hayward charges a different rate for coverage, and some providers are less expensive than others. The chart below includes the cheapest auto insurance rates from Hayward’s most popular carriers 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 some of the cheapest car insurance companies in California. But when comparing cheap car insurance providers, it’s important to look at factors other than price to find the best company for your needs.
For example, Hayward drivers looking for a company with multiple endorsements should consider AAA, Progressive, or Travelers. If you’re looking for the best discounts, Geico and Progressive are the two best options. In terms of customer service, the only vendor not rated by JD 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 motor vehicle liability insurance in order to legally register their vehicle and drive. 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 carry more coverage than necessary. If you cause an accident and you don’t have enough cover to pay your financial responsibilities, you’ll have to pay the difference out of pocket. Also, if you lease or finance your vehicle, your lender will likely require comprehensive insurance.
Car Insurance Discounts at Hayward
Hayward drivers who want an affordable auto insurance premium should look for auto insurance companies in California that offer discounts. Here are some of the most popular car insurance discounts available at Hayward:
- Font Bundle Discount: Many insurance companies offer a discount for bundling your auto and home, renters or condo insurance policy.
- Claim-free delivery: Drivers who have had no insurance claims on their record in the past few years may be able to get a better rate.
- Vehicle Safety Discounts: If your car is equipped with security features, such as an anti-lock or an anti-theft device, you may be eligible for a discount.
- AutoPay rebate: Signing up for automatic payments to pay your monthly premium can help you save money.
Although many auto insurance companies offer discounts, the actual savings potential will vary. For example, policy bundle discounts can often help you save up to 20%, but an AutoPay discount is usually much smaller. When comparing vendors, pay attention to what discounts you personally qualify for to maximize your savings.
Frequently Asked Questions
What is the best car insurance company?
The best auto insurance company is different for every driver. It depends on factors such as your location, your budget, the type of coverage you need and the 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?
At Hayward, drivers must carry at least 15/30/5 in automobile liability insurance. However, increasing 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 may be required until your loan is paid off.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:
- Civil liability of $100,000 in bodily injury per person
- Civil liability of $300,000 in bodily injury per accident
- Civil liability of $50,000 in property damage per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 aggregate deductible
To determine minimum coverage limits, Bankrate has 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 a year.
These are sampling rates and should only be used for comparison purposes. Your quotes may be different.