Best Car Insurance in Hayward 2021

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Car insurance in Hayward California costs single-car drivers an average of $2,550 annually, or about $213 per month. Compared to the state annual average of $2,601, auto insurance in Hayward is $51 lower.
Here’s how much real Jerry customers pay for insurance in Hayward:

Real quotes for Jerry customers in Hayward, California

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
February 21, 2021Toyota Camry SE Night ShadeCA20ClearCoverBasic$266/mo.$111/mo.
April 24, 2021Hyundai Kona LimitedCA27ProgressiveCustom$181/mo.$125/mo.
September 4, 2020Toyota 4Runner SR5CA27TravelersCustom$200/mo.$125/mo.
July 22, 2021Honda Civic SportCA28National GeneralPreferred$300/mo.$157/mo.
May 5, 2021Honda Civic SportCA28AllstateStandard$300/mo.$255/mo.
The best way to secure the right plan for lower premiums in Hayward is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inHayward have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Hayward, California

Insurance Company
Before Jerry
After Jerry
Dairyland$2,790$1,310
National General$2,486$1,406
Kemper$2,512$1,849
Nationwide$3,019$1,900
Allstate$2,924$1,940
Travelers$2,791$1,984
Safeco$3,703$2,976

Minimum coverage car insurance in Hayward

On average, the cost of minimum coverage car insurance in Hayward is $1,440 per year, or $120 per month.

The minimum level of car insurance required in Hayward is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Hayward:
Before Jerry
After Jerry
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Allstate$1,745$1,373
Progressive$2,244$1,580
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Full coverage car insurance in Hayward

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Hayward:
Before Jerry
After Jerry
$3,000$1,872
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
National General$3,600$1,960
Allstate$3,594$2,576
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How does your age affect your auto insurance cost in Hayward?

If you’re a driver under 25 in Hayward, you could be paying as much as $80 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Hayward saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$3,192$1,362
21-24$3,527$2,147
On the contrary, here’s how much drivers aged 25 and over in Hayward pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,709$1,903
35-44$1,538$1,289
55-64$1,332$988

Cheapest car insurance for drivers in Hayward with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Hayward saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,135$1,214
Failure to Obey Traffic Sign$1,440$1,332
Suspension$1,872$1,560
Other$2,160$1,712
Here’s how much drivers with a bad driving record in [Hayward saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Travelers$2,400$1,500
Progressive$2,792$1,543
National General$3,600$1,960
Allstate$2,741$2,049

Cheapest car insurance for young drivers in Hayward with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,135$1,214
Other$2,160$1,712
Suspension$2,160$1,712
Here’s how much young drivers with a bad driving record in [Hayward saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Progressive$4,278$1,772
Allstate$2,621$1,905
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How can you save money on car insurance in Hayward

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Hayward you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
February 21, 2021Toyota Camry SE Night ShadeCA20ClearCoverBasic$266/mo.$111/mo.
July 22, 2021Honda Civic SportCA28National GeneralPreferred$300/mo.$157/mo.
September 4, 2020Toyota 4Runner SR5CA27TravelersCustom$200/mo.$125/mo.
April 24, 2021Hyundai Kona LimitedCA27ProgressiveCustom$181/mo.$125/mo.
May 5, 2021Honda Civic SportCA28AllstateStandard$300/mo.$255/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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