Hayward, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
How Much Is Car Insurance Per Month In Hayward, CA?
The average monthly auto insurance rate in Hayward is $162. However, your location, marital status, gender, and age are evaluated when auto insurers are providing you with a specific quote. Thus, your rates may typically differ from the average.
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The average annual car insurance cost in Hayward is $1,943. It is more expensive than the statewide average of $1,859 and the nation's average of $1,545. Your unique driver profile directly influences your overall Hayward car insurance rates. Therefore, it is best to compare several car insurance companies if you want to find savings on your premiums.
Hayward Car Insurance Rates by Company
Finding the right car insurance company that best suits your profile will lead to possible savings on your premiums. However, if you are living in locations in Hayward where theft, crime, and other potential driving hazards are common, the cheapest rates may not always be an option. Additionally, if you have been in an at-fault accident in the past, it is likely for your rates to increase significantly. On a brighter note, if you have a clean driving history, it is expected for your insurance company to give you reasonable rates. GEICO offers the cheapest car insurance rates around Hayward.
Hayward Cheapest Car Insurance Rates By Company
| Company Name | Monthly Rate | Yearly Rate |
|---|---|---|
| GEICO | $108 | $1,297 |
| Mercury | $135 | $1,574 |
| AAA | $151 | $1,673 |
| Infinity | $170 | $1,965 |
| Allstate | $170 | $2,001 |
Hayward Car Insurance Premiums by Age Bracket
The driver's age group is another vital contributing aspect that auto insurance companies in Hayward use to evaluate driving abilities. Hayward drivers in their thirties to sixties pay cheaper premiums in contrast to drivers between the ages of twenties and seventies. However, teenage drivers in Hayward carry the most expensive rates since they are considered higher-risk drivers. But, on their 20th birthday, teenagers will be gifted a substantial decrease in their premiums.
Hayward Car Insurance Rates by Age Group
| Age Group | Monthly Rate | Annual Rate |
|---|---|---|
| Teenagers | $612 | $7,255 |
| 20s | $245 | $2,902 |
| 30s | $162 | $1,983 |
| 40s | $157 | $1,827 |
| 50s | $149 | $1,751 |
| 60s | $149 | $1,744 |
| 70s | $173 | $2,029 |
Hayward Auto Insurance Premiums by Marital Status and Gender
Marital status and gender also influence car insurance premiums in Hayward. Married and widowed drivers typically pay lower rates than single drivers. Marital status assists insurance providers to evaluate financial stability and behavior behind the wheel of drivers. Thus, many married drivers in Hayward pay more affordable rates, for they are considered responsible and financially stable.
Moreover, the driver's gender also affects overall car insurance quotes in Hayward. Male drivers pay $4 less than females.
Hayward Auto Insurance Rates by Marital Status and Gender
| Gender | Monthly Rate | Yearly Rate |
|---|---|---|
| Female | $167 | $1,953 |
| Male | $166 | $1,949 |
| Marital Status | Monthly Rate | Annual Rate |
|---|---|---|
| Single | $160 | $1,866 |
| Married | $160 | $1,866 |
| Divorced | $167 | $1,949 |
| Widowed | $162 | $1,895 |
Hayward Car Insurance Cost by Citation and Driving History
Hayward auto insurance companies account for your driving history when giving specific quotes. If you receive citations for driving recklessly or speeding in Hayward, your insurance premium will substantially increase.
If you have been proven guilty of driving recklessly, an average increase of $3,245 will reflect your annual rate. Additionally, a $784 increase will render for accumulated speeding tickets. As for DWI or DUI violators, an increase of $3,111 will be added to your annual rate. Therefore, it is vital to keep a clean driving history to avail cheap car insurance rates in Hayward.
Hayward Car Insurance Rates by Violation Record
| Violation | Monthly Rate | Annual Rate |
|---|---|---|
| DWI/DUI | $442 | $5,066 |
| Reckless Driving | $451 | $5,198 |
| At-Fault Accident (damages < $1000) | $167 | $1,962 |
| At-Fault Accident (damages > $2000) | $292 | $2,743 |
| Speeding Ticket (over 16-20 mph over speeding limit) | $234 | $2,222 |
Hayward Car Insurance Rates by Credit Tier
The use of credit tier in Hayward is prohibited in assessing car insurance rates. Credit level as a basis is considered discriminatory by lawmakers in California; hence, it is not used by insurers in providing quotes.
Hayward, CA Driving and Climate Conditions
Climate conditions often cause car accidents in Hayward. Many drivers experience wet brakes, slick roads, low-visibility, and other driving hazards due to bad weather. An average of 710,000 climate-related accidents take place around the state annually. Additionally, Hayward experiences many rainy days a year, as well as occasional wildfires and earthquakes. These weather-induced conditions are one of the reasons for car accidents in the city.
List of Car Insurance Companies in Hayward
Hayward Auto Insurance FAQs
If I was at-fault in an accident in Hayward, is it guaranteed that my rates will increase?
It usually depends on the company and your policy. Some insurers have accident forgiveness coverages and other perks to stray away from an increase after an accident. Also, it depends on the level of damages you caused and the percentage of your negligence that caused the accident.
My windshield accidentally got damaged due to some unforeseen circumstances, if I file a claim will my rate increase?
It will depend on your coverage but commonly, such an incident does not contribute to your rates.
How long do convictions and other violations reflect on my policy in Hayward?
Typically, it will stay on your profile for three years and will be deleted upon renewal.
How much is the minimum car premiums the state of California requires?
Typically, California requires minimum liability coverage for every driver.
How do I identify the cheapest premium for my insurance?
It is best to compare multiple companies or better yet hire a mediator to comprehensively find you the best company.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.