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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
Hayward car insurance costs an average of $95 per month for liability-only coverage and $211 for full coverage. Auto insurance in Hayward is less expensive than in nearby San Francisco, where monthly rates average $99 for liability coverage and $242 for full coverage.
Insurance costs in Hayward are higher than average California car insurance costs overall, due in part to Hayward’s traffic congestion and high vehicle theft rate.
By comparison, car insurance in Lompoc, one of the cheapest California cities for auto insurance coverage, costs an average of $70 per month for liability coverage and $144 for full coverage.
The cheapest car insurance in Hayward is a liability-only policy that meets the following car insurance requirements in California:[1]
$30,000 in bodily injury liability for one person
$60,000 in bodily injury liability per accident
$15,000 in property damage liability
For cheap liability car insurance, Hayward drivers can get quotes from USAA or Aspire General.
The following table shows the cheapest rates for liability-only auto insurance in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $65 |
| Aspire General | $69 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Root | $86 |
| Direct Auto | $88 |
| Allstate | $90 |
| Farmers | $92 |
| Anchor | $95 |
| Bristol West | $100 |
| State Farm | $100 |
| Kemper Special | $104 |
| Travelers | $105 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $179 |
Check quotes from 120+ top insurance companies
Given Hayward’s heavy rush-hour traffic, high vehicle theft rate, and high flood risk, a full-coverage policy makes sense for many drivers. Companies with cheap full-coverage car insurance include Aspire General, at $129 per month, and Root, at $144 per month.
The table below lists companies offering the lowest rates for full-coverage auto insurance in California.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $121 |
| Root | $134 |
| Mercury | $140 |
| GEICO | $141 |
| USAA | $144 |
| Kemper Special | $158 |
| Kemper Rsvp | $161 |
| Sun Coast | $167 |
| Anchor | $177 |
| Dairyland | $191 |
| National General | $194 |
| Allstate | $199 |
| Farmers | $205 |
| Bristol West | $213 |
| Direct Auto | $213 |
| State Farm | $221 |
| Travelers | $233 |
| 21st Century | $253 |
| First Acceptance | $339 |
| Chubb | $394 |
The cities of Lompoc, Redding, and Tulare have some of the most affordable car insurance in California. Cities surrounding L.A., including Beverly Hills and Glendale, tend to have the highest liability-only rates.
Hayward is in the highly populous Bay Area. Heavy highway congestion from commuters and tourists, along with high vehicle theft rates, can make it challenging to find cheap Hayward car insurance.
While rates in Hayward are slightly higher than the state average, they’re lower than rates in San Francisco.
The table below shows average monthly car insurance rates across several California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Elk Grove | $143 |
| Fontana | $160 |
| Fremont | $138 |
| Fresno | $131 |
| Glendale | $268 |
| Hayward | $153 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Roseville | $140 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
*Quotes generated for Insurify users in and around Hayward, California within the last 10 days. Last updated on July 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Hayward, California within the last 10 days. Last updated on July 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers with a clean driving record are likely to find the most affordable car insurance in Hayward. High-risk drivers in California typically see higher rates.
Compare the cheapest companies by driving record:
Cheapest car insurance for Hayward drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Hayward: USAA
Cheapest car insurance for Hayward drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Hayward: USAA
Speeding may feel impossible in Hayward when traffic on I-880 slows to a crawl. Even so, collisions are a concern, particularly around the Downtown Loop.
Three-quarters of all serious traffic injuries and fatalities happen on only 14% of Hayward’s streets, according to the City of Hayward’s website.[2]
Driving under the influence (DUI) is a concern in Hayward. Hayward has a higher-than-average percentage of residents who binge drink, according to Healthy Alameda County.[3]
On Halloween 2025, for example, the California Highway Patrol arrested eight times as many drunk drivers in Hayward as anywhere else in the Bay Area.
The following table shows average monthly quotes for drivers in Hayward based on whether they have a clean record, a speeding ticket, a car accident, or a DUI on their record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $153 |
| Speeding ticket | $194 |
| At-fault accident | $195 |
| DUI | $207 |
Here’s what to know when driving in Hayward:
Street sweeping: Hayward operates a biweekly residential and commercial street-sweeping program. The city enforces a strict parking program, meaning you can get a ticket if you’ve parked on the street on sweeping days.
Flood risks: Hayward faces flooding threats, both from rising sea levels and during major winter and spring storms.[4] Its shoreline and upland areas are particularly prone to flooding. Comprehensive coverage protects your vehicle against flood damage.
Commute times: People in Hayward commute for 32.3 minutes one way, which is slightly higher than the California average.[5] Given Hayward’s location near San Francisco, Oakland, San Jose, and the overall Silicon Valley, heavy rush-hour traffic is common.
Uninsured motorists: California has one of the country’s highest rates of uninsured motorists. Roughly 20% of Californians drive without insurance, per data from the Insurance Research Council.
Hayward’s location between several major California cities and near Silicon Valley means heavy traffic.
In spring 2026, the San Francisco Chronicle analyzed California Department of Transportation (Caltrans) data. It identified a stretch of I-880 northbound toward San Leandro — including where it intersects with Highway 92 in Hayward — as the Bay Area’s worst traffic spot.
Downtown Hayward traffic is also problematic. In June 2026, the Hayward City Council supported a project to dismantle “the Loop,” a one-way circuit where collisions occur every 11 days, on average.
In Hayward, 76% of residents expressed concern about the Loop, with some saying “driving is confusing” and “biking and walking feels unsafe,” according to a Safe Streets Downtown survey.
Because of increased traffic and high collision levels, Hayward car insurance rates are understandably higher than average. Collision coverage makes sense for many Hayward drivers.
In Hayward and all of California, teens must be 15 and a half to get their learner’s permit. To get a license, they must also complete a 30-hour driver’s education course.
Liability-only insurance averages $171 per month for teens in Hayward, the highest among all age groups.
At $128 per month, USAA has the cheapest liability-only rates for new drivers in Hayward.
The table below shows the insurers offering the cheapest rates to teen drivers in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $119 |
| Aspire General | $124 |
| GEICO | $126 |
| Sun Coast | $128 |
| Root | $129 |
| Mercury | $132 |
| Dairyland | $140 |
| National General | $144 |
| Direct Auto | $170 |
| Bristol West | $176 |
| Allstate | $176 |
| Anchor | $181 |
| Farmers | $182 |
| Kemper Special | $187 |
| State Farm | $192 |
| 21st Century | $204 |
| Kemper Rsvp | $207 |
| Travelers | $216 |
| First Acceptance | $277 |
| Chubb | $365 |
Insurify partners with 120+ top insurers for real-time quotes
Hayward has a lower percentage of residents aged 65 and older than the California average. Those Californians who do choose to spend their retirement in Hayward typically pay more for car insurance than the average California senior.
The average monthly liability-only rate for drivers in their 60s in Hayward is $86.
Check out the following table to see which insurers offer the cheapest rates to Hayward drivers in their 60s.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $54 |
| GEICO | $57 |
| National General | $59 |
| Mercury | $59 |
| Aspire General | $63 |
| Sun Coast | $64 |
| Dairyland | $71 |
| Direct Auto | $74 |
| Farmers | $75 |
| Allstate | $75 |
| Anchor | $79 |
| State Farm | $81 |
| Root | $81 |
| Bristol West | $86 |
| Travelers | $86 |
| 21st Century | $93 |
| Kemper Special | $94 |
| Kemper Rsvp | $104 |
| Chubb | $139 |
| First Acceptance | $140 |
See below for more information on choosing the best insurance in Hayward.
The average monthly cost of car insurance in Hayward is $95 for liability-only coverage and $211 for full coverage, according to Insurify data.
The cheapest car insurance in Hayward is liability coverage from USAA, with an average monthly rate of $70.
USAA, Aspire General, and GEICO are some of the best car insurance companies in Hayward for price alone.
Multiple factors affect car insurance rates in Hayward, California, including the age, make, and model of your vehicle; your driving record; your age; and the Hayward ZIP code in which you live. Car insurance discounts, including bundling auto with home insurance or renters insurance, could lower your premium.
To compare car insurance rates in Hayward, get quotes from at least three insurance companies in California. You can use an online insurance marketplace to compare multiple insurance policies in one place or contact an independent insurance agent to help you find the best deal.
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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
