Hayward Car Insurance

The Zebra
May 30, 2018

Car Insurance in Hayward

On average, premiums in California are $286 higher than the national average. Premiums run high in the city as well, so understanding premium costs while insuring a vehicle in Hayward is vital. Going over some ways to save on Hayward car insurance can save you money.

  • City Average: $1,733
  • State Average: $1,713
  • National Average: $1,427

Hayward Car Insurance by Accident or Violation History

By avoiding driving mishaps that can make your rates spike, you can not only save yourself money, but become a safer driver. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,168 is the extra cost per year for drivers with a DUI or reckless driving infraction in Hayward, compared to the city average of $1,733. Being at-fault in an accident costs drivers an extra 56% per year in premiums compared to the city average.

  • DUI: $4,901
  • Reckless Driving: $4,901
  • At-fault Accident (damages less than $1000): $2,709
  • At-fault Accident (damages greater than $2000): $2,709
  • Speeding Ticket (16-20 mph over speed limit): $2,356

Hayward Car Insurance by Age

Drivers in Hayward see the biggest dip in premiums when they reach their 20s, as they save an average of 61% from moving out of the teenage age range. Car insurance premiums continue to trend downward up until drivers hit 70. Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the smallest payments among any age group, with rates of $1,476 per year. Those in their 50s ($1,521) aren’t paying much more. Car insurance premiums are highest for teenage drivers, with typical rates of $6,476 per year.

  • Teenagers: $6,476
  • 20s: $2,549
  • 30s: $1,700
  • 40s: $1,642
  • 50s: $1,521
  • 60s: $1,476
  • 70s: $1,641

Hayward Car Insurance by Gender and Marital Status

There are a variety of factors, including marital status and gender, that influence car insurance premiums in Hayward. However, the amount by which men's and women's car insurance premiums deviate is trivial. Rates for those who are widowed are relatively cheaper than rates for those who are single. You spend an average of 5% more per year if you're single as opposed to married.

  • Female: $1,732
  • Male: $1,733
  • Single: $1,733
  • Married: $1,657
  • Divorced: $1,733
  • Widowed: $1,664

* Credit score is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.

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