Hayward, CA Car Insurance

Learn how to save on auto insurance in Hayward, California.

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How much does car insurance cost in Hayward?

 

The average cost of car insurance in Hayward, California, is $1,958 per year. That's pricier than the average across California ($1,868) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Hayward.

 
AUTO INSURANCE COSTS: HAYWARD VS. STATE AND US AVERAGES
Hayward Average (annual)California AverageUnited States Average
$1,958$1,868$1,548
 
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Hayward car insurance premiums by provider

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, GEICO provides Hayward's cheapest rates. We've gathered the best cheap car insurance companies in Hayward below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
HAYWARD CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
GEICO$1,303
Mercury$1,585
AAA$1,681
Allstate$1,972
Alliance$2,019
 

Read our guide to finding the best cheap auto insurance.

 

Hayward car insurance premiums by age

Hayward drivers in their 60s pay relatively affordable car insurance rates just $1,754 each year, on average. Those in their 50s don't pay significantly more ($1,759).

Teen drivers pay Hayward's most expensive auto insurance rates. When drivers hit their 20s in Hayward and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Hayward is $4,355, the largest such difference between any two age groups.

 
HAYWARD CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage Annual Rate
Teenagers$7,266
20s$2,911
30s$1,905
40s$1,840
50s$1,759
60s$1,754
70s$2,047
 

Learn more about the impact of age on auto insurance rates.

 

Hayward auto insurance premiums by gender and marital status

 

Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Hayward, married motorists pay $81 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Hayward, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Hayward, female drivers pay more for auto insurance than do male drivers: $4 per year, to be precise.

 
HAYWARD CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,962
Male$1,958
Single$1,877
Married$1,877
Divorced$1,958
Widowed$1,906
 

Learn more about how gender and marital status have on auto insurance rates.

 

Hayward car insurance rates by accident and violation history

 

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Hayward drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,251 per year versus the city average. A ticket for speeding results in a $798 rate hike, on average, while a DUI violation costs $3,121 per year in insurance premiums.

 
HAYWARD CAR INSURANCE RATES AFTER A COLLISION OR CITATION
$3,443 Speeding Ticket
Violation/IncidentAverage Annual Rate
DUI/DWI$5,079
Reckless Driving$5,209
At-fault Accident (damages < $1,000)$1,968
At-fault Accident (damages greater than $2,000)
(16-20 mph over speed limit)$2,756
 

Get more info on how a bad driving history can impact your car insurance costs.

 

Hayward auto insurance rates by credit score

 

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit.

California, however, is one of three states that has banned the practice of including drivers' credit scores as a risk indicator. This means that your credit score — whether it's poor or excellent — won't impact your insurance rate in Hayward.

Learn more about the relationship between poor credit and car insurance.

 

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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.