Cheap Car Insurance in Hayward, CA


Providing a fast and stress-free experience when looking for auto insurance in Hayward.





Auto Insurance in Hayward and What You Need to Know



Shopping around for quotes on auto insurance in Hayward from companies is critical if you would like to locate affordable auto insurance in the city. The purchase price of what your friends and acquaintances cover for auto insurance in Hayward will differ based on numerous factors--such as your age, driving, and location history. To help reduce some of your legwork on shopping for auto insurance in Hayward, we have gathered auto insurance rates for you. We have found the cheapest options for many kinds of drivers. We've also listed a couple of factors that affect how much you pay for car insurance in the city.

Percentage increase in Hayward car insurance costs compared to national average

22.97 %

Percentage increase in Hayward car costs compared to average in California

2.44 %

Percentage decrease in Hayward car insurance costs compared to most expensive in California

16.7 %

Full Coverage Car Insurance

Protect yourself, your passengers and others. Discover what driving with coverage in Hayward can provide you outside the peace of mind knowing that everything and everybody is protected.

Liability Car Insurance

Meet the insurance requirements for driving in Hayward with a liability auto insurance coverage plan. You're always better off being shielded than not being protected.

High Risk Car Insurance

Finding the best high risk car insurance in Hayward can be daunting. We help you weave through the noise so you can get the best car insurance rate in Hayward should you a high risk coverage plan.

Home and Auto Insurance

Bundle your home and auto insurance coverage in Hayward so you save and can manage companies that are less. Learn if a home and auto insurance bundle is right for you.


Your Driving Record Matters When Getting Auto Insurance in Hayward

We've seen the story before or have been a part of it. You are getting quotes for car insurance in Hayward and looking for the best bargain on an insurance plan. You receive a fantastic car insurance quote that's affordable and provides the coverage choices all you are searching for. Still the insurance carrier informs you that the total cost of this insurance premium is more important than you were originally quoted and comes back. What happened? It may be due to insurance points. If your driving record from the state's department of motor vehicles comes revealing tickets or accidents which you did not originally report in your insurance coverage, your car insurance rates in Hayward might be significantly greater compared to pricing the insurance provider originally quoted.


best home and auto insurance Hayward CA

Your Type of Car Plays a Role on Car Insurance Costs in Hayward

For certain kinds of vehicles, you will find an range of variables that determine how much you will pay for auto insurance in Hayward. The more horsepower your vehicle receives, the likelier you confront and will rate the threat of a crash. Since cars with more power are involved in more accidents, they're more costly to cover. But a massive SUV could push the purchase price of your auto insurance in Hayward up because of its capability to inflict a more substantial amount of damage on other vehicles. If you are seeking to get the car insurance, consider cars in the midsize group, such as sedans SUVs, or minivans. The price to cover it is weighed on by the worth of A vehicle. For auto insurance companies, the purchase price of the automobile is the first and primary element when placing the purchase price of your auto insurance in Hayward. It is ideal to consider more lower-priced vehicles in the event you're on the lookout for insurance savings.

Vehicle TypeAnnual Average Cost of Car Insurance
Car1,962.51
Luxury1,810.40
SUV1,671.29
Van1,537.73
Truck1,502.48



best home and auto insurance Hayward CA

Cost of Car Insurance in Hayward by Gender and Marital Status

In several states, gender is no longer a variable that can be used to calculate auto insurance rates. In terms of your status it may influence your rates on auto insurance in Hayward. Generally, married couples are more likely to receive a auto insurance rate. Never-married individuals have a higher likelihood of accidents than women and married men. Besides singles, older widows and divorced folks also see higher costs on auto insurance in Hayward. For having a national partner, you may be given a discounted insurance fee. But that practice is not as prevalent. The simple reality is that couples are not inclined to get into car accidents. There are a variety of theories about why this may be the situation; some sources say married drivers drive than their counterparts. Sources hypothesize that drivers that are married have less risky and more secure lifestyles compared to singles. In any event, in case you just got married or are married, then you could qualify for a car insurance rates in Hayward.

Where You Live in Hayward Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Hayward

14 %

Annual savings for car insurance in medium sized cities near Hayward

7 %


The quantity which informs the post office in can save or cost you thousands of dollars annually on car insurance in Hayward. The discrepancies in automobile insurance coverage costs by zip code have little to do with models and all the manufacturers of automobiles and much related to the offense. Cities with high levels of accidents and theft claims see higher insurance premiums because companies lump specific zip codes collectively into risk classes. City drivers always pay. More cars mean more mishaps to put it differently. Zipcodes with roads which are less developed might see auto insurance rates.

Average Costs of Auto Insurance in Hayward by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,369.01
Auto Insurance with Comprehensive Only1,615.43
Auto Insurance with Comprehensive and Collision2,382.06


Your Credit Affects Your Car Insurance Costs

Apart from the kind of automobile and your driving history you drive, your credit rating can affect what you pay for auto insurance in Hayward. Many businesses utilize insurance coverage when deciding the price of your car insurance rates. Studies indicate that using this specific score helps insurance businesses predict insurance whenever someone is more likely to get into an accident. A credit-based car insurance coverage makes it possible for insurers to estimate the fairest rate for each and every client. So, in the long run, yes, your credit rating can affect your costs on auto insurance in Hayward. Despite the fact that your credit history plays when it comes to pricing your auto insurance, it is still important to focus on the items which you can control, such as paying your bills on time and keeping an eye on how you're applying for the credit.

Average car insurance rate changes in Hayward based off credit scores.

60 %

Max car insurance rate changes in Hayward based off credit scores

133 %


92 percent of the car insurance companies in Hayward now consider your credit score when calculating how much you will pay for auto insurance.



Hayward Car Insurance Rates by Age

The rates for auto insurance in Hayward vary so considerably by age category. This is because age groups are significantly more of a responsibility to pay than others because of a likelihood of claims that are costly and injuries. The drivers have a tendency exhibit more reckless behaviour than older drivers and to have the maximum amount of traffic incidents. They costly to insure, typically, as an outcome. Auto insurance prices in Hayward fall off for adults as soon as they begin to settle around age since they get more experience behind the wheel and get into fewer accidents in comparison with teens. This trend continues until drivers reach their seventies, where auto insurance prices start to grow again. In general, however, you will see the drivers regularly paying the most sum for an Hayward auto insurance plan.

best home and auto insurance Hayward CA


Getting the Best Auto Insurance Rates in Hayward


Shopping for and buying auto insurance in Hayward may look to be experience and an unwelcome cost. Still, it's one that you can do to protect you from financial loss associated with another event, automobile theft, natural disaster, or a traffic collision. None of us wants to spend more than we will need to for getting auto insurance in Hayward, but it is not always clear how to secure auto insurance prices. The only way to make certain that you're getting the cheapest rate possible would be to search around. Insurers supply an assortment of discounts, which might mean lower insurance costs for customers if they are even looking to bundle their automobile insurance or who meet requirements that are specific. Take the opportunity to analyze the prices across vendors and compare them before you choose which kind of auto insurance in Hayward is ideal for you.