California is home to more licensed drivers than any other state. This means that car accidents are more common. Hayward drivers must have car insurance to protect themselves against at-fault accidents. Hayward’s average car insurance cost is $2,153 annually for a full coverage policy, and $726 for a minimal coverage policy.
Hayward residents have many options for car insurance. We evaluated the top providers in Hayward based on factors like coverage options, average rate, discounts, third-party ratings, and coverage options.
Hayward’s best car insurance company
Our in-depth comparison revealed that Mercury, Geico and Progressive are the top car insurance companies Hayward has to offer. These providers offer lower rates, generous discounts, and great coverage options. J.D. also rated these companies above average in California for customer satisfaction. Power
Wawanesa
J.D. Power’s 2021 U.S. Auto Insurance Study, Wawanesa was rated the top company for overall customer satisfaction in California. In J.D. Power’s 2021 U.S. Auto Insurance Study Wawanesa was rated as the best company for customer satisfaction in California. Wawanesa offers great customer service and great rates. You can save on your premiums for loyal customers, good drivers, retirees, and affinity group members. You can also purchase endorsements to get more coverage.
Geico
Geico is one of the cheapest insurance companies in Hayward. Geico’s average annual premium is $1,609 which is $540 less than the average city rate. Geico offers a wide range of discounts, including savings for military personnel, federal employees, safe drivers, and vehicles with certain safety features. Geico’s only problem is its limited coverage and lack of endorsements.
Progressive
Progressive is an excellent auto insurance company. They offer affordable rates, great discounts, and a few additional coverages. Progressive’s greatest asset is its extensive online resources and tools. The Name Your Price Tool allows you to create a policy within your budget and to compare Progressive’s rates with prices from competitors on the website. Snapshot, Progressive’s safe driver reward program is one of the best in the business.
Mercury
Mercury offers Hayward drivers affordable car insurance with great customer service. Mercury also offers 24/7 claims and guaranteed repairs. Mercury is recommended for drivers looking to save money and get discounts. Mercury offers additional savings for drivers who are good drivers. This includes enrolling in autopay, bundling policies, being a good student, and many other benefits. Mercury’s pay per mile policy, RealDrive, might be a good option if you don’t drive often.
Hayward has the lowest car insurance
In Hayward, the average annual cost of car insurance is more expensive than the average annual rate in California. The average California driver spends $2,065 annually for full coverage. The average cost of car insurance in the United States is $1,674 annually for full coverage.
Each Hayward car insurance company charges a different coverage rate. Some providers may be cheaper than others. Below is a table that shows the cheapest Hayward car insurance rates based on market share.
Geico, AAA, Travelers, Mercury and Progressive are a few of the cheapest car insurance companies in California. To find the right company for you, compare cheap car insurance providers.
Hayward drivers looking for multiple endorsements, such as AAA, Progressive, or Travelers, should look into these companies. Geico and Progressive offer the best discounts. J.D. has not rated any provider in terms of customer service. Keep in mind Power is Travelers.
Hayward insurance requirements
Drivers in Hayward are required to carry at least 15/30/5 in personal liability car insurance in order to legally register their vehicle and drive. These are the required coverages:
- $15,000 per person in bodily injury coverage
- $30,000 per accident in bodily injury coverage
- $5,000 in property damage coverage per accident
You will pay the lowest rate if you select a policy with minimum coverage. Insurance companies recommend that drivers buy more coverage than is necessary. If you are involved in an accident, and do not have sufficient coverage to cover your financial obligations, you will be required to pay the difference out of pocket. If you finance or lease your vehicle, your lender may require that you have full coverage insurance.
Hayward: Car insurance discounts
Drivers in Hayward who want an affordable car insurance premium should look for car insurance companies in California that offer discounts. These are the top Hayward car insurance discounts:
- Bundling discounts for insurance policies: Many insurance companies offer a discount when you bundle your auto, home, renters, or condo insurance policies.
- Discounts for drivers who have not had any insurance claims in the past few years could be eligible to receive a lower rate.
- Vehicle safety discounts: You might qualify for a discount if your vehicle is equipped with safety features like anti-locks and anti-theft devices.
- AutoPay Discount: You may be able to save money by enrolling in automatic payments for your monthly premium.
Although many car insurance companies offer discounts for their customers, the actual savings potential can vary. While policy bundle discounts can help you save as much as 20%, an AutoPay discount will usually net you a smaller amount. To maximize your savings, make sure you are comparing the discounts that you may be eligible for when comparing providers.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company is different for every driver. It all depends on your location, your budget and the type of coverage that you require. You may also qualify for discounts. Compare providers to find the best one for you. Then get quotes from several companies to determine which company can offer the lowest rates.
Hayward: How much do I need car insurance?
Hayward drivers must have at least 15/30/5 personal liability car insurance. Insurance experts recommend that you increase your coverage or upgrade to full coverage policies. Full coverage may be required if you finance or lease your vehicle.