Car Insurance Quotes Hayward

Comparing quotes boosts your financial struggles. A resident at Hayward must compare quotes from multiple insurance companies. The average annual premium for car insurance in Hayward stands at approximately $1,958, which is significantly higher than both the national average of $1,548 and the average for California, which is about $1,868.

For minimum mandated liability insurance, Hayward residents typically pay around $73 per month. This figure exceeds the average California minimum coverage cost by $20, which itself is higher than the national norm by approximately $15. Regarding full coverage policies, the monthly cost to drivers in Hayward is about $192, which is only $1 more than the California state average of $191 and about $23 less than the national average of $215. These statistics indicate that while minimum liability insurance in Hayward is costlier than average, full coverage insurance rates are fairly competitive within the state context.

California law mandates specific minimum liability coverage, which equally applies in Hayward. The minimum plan must include property damage liability coverage with limits of $15,000 or more per incident. Additionally, bodily injury and death liability coverage must be at least $30,000 per individual and $60,000 per accident. These minimum legal requirements are intended to ensure drivers carry adequate insurance to cover damages or injuries they cause in an accident.

When comparing Hayward with other California cities, monthly premiums for full coverage insurance vary notably. For example, Stockton’s full coverage averages $217 monthly, higher than Hayward’s $192, while Salinas and Redwood City each average $168, and San Clemente averages $176. Liability insurance in these cities also shows disparity, with Stockton residents paying $86 monthly on average, significantly higher than Hayward’s $73.

Within Hayward, premiums differ by zip code, which is typical as insurance costs often correlate with crime rates, traffic density, and accident frequency in specific areas. For example, zip codes 94541, 94542, 94544, and 94557 have full coverage premiums ranging narrowly between $186 and $192 monthly, with liability coverage costs clustered between $48 and $50. This consistency suggests relative uniformity in risk within Hayward’s neighborhoods, though small differences can marginally affect individual premiums.

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How Much Does car Insurance Cost in Hayward?

The average annual premium for car insurance in Hayward is $1,958. This is more than the national average of $1,548 and more than the average for Hayward ($1,868).

Residents of Hayward must pay approximately $73 a month for the state’s minimum mandated liability insurance, which is $20 higher than the average California cost of $53, this figure is $15 higher than the $62 national norm.

The monthly cost of full coverage car insurance for drivers in Hayward is about $192. Compared to the national average of $215, this average is only $1 more than California’s, $191, and $23 lower.

Minimum Car Insurance Requirements in Hayward

Local law establishes minimum liability requirements in Hayward. The minimum liability plan needs to include:

Coverage for property damage liability, with $15,000 or more per incident.
Coverage for bodily injury and death liability per individual involved and per accident, with $30,000 or more per person and $60,000 or more per incident.

Affordable Car Insurance Rates Comparison by Cities

The monthly premiums that residents of Hayward pay in comparison to residents of other California communities are shown below.

City Full Coverage Insurance Liability Insurance Coverage
Hayward………………$192……………………………………..$73
Salinas…………………$168……………………………………..$68
Stockton………………$217……………………………………..$86
Redwood City……….$168…………………………………….$67
San Clemente……….$176……………………………………..$7

Compare Car Insurance Rates by Zip Code in Hayward

A major factor in calculating your premiums is your zip code. Costs are frequently higher in urban areas because of the increased traffic and accidents. The rates for a few of Hayward’s zip codes are displayed in the table below. Residents in these places pay comparable rates for minimum liability and full coverage, you’ll find.

Zip code. Full Coverage Insurance Liability Insurance Coverage
94541……………..$192…………………………………..$49
94542…………….$190…………………………………..$50
94544…………….$192……………………………………$50
94545…………….$186…………………………………..$48
94557…………….$192…………………………………..$50

Factors Allowed in Hayward Car Insurance Rates

Underwriters look at several criteria to compute your premiums, and even your marital status might have an impact. Other qualities insurers evaluate include your:

Gender
Driving history
Vehicle type
Education
Job title
Age

Car Insurance Agent In Hayward

You can talk to an agent to help you find the best insurance company. Below are the best car insurance agents in Hayward:

Alan Quan

Alan Quan, 1219 A St
Rating 4.4
641 reviews
1219 A St
Hayward, CA 94541
(510) 581-8213

Avninder Dilawari

30042 Mission Blvd
Rating 4.2
170 reviews
30042 Mission Blvd,
Ste 221
Hayward, CA 94544
(510) 441-7490

Carlson Associates Insurance Agency

21551 Foothill Blvd
Rating 4.1
755 reviews
Carlson & Associates Insurance Agency:
21551 Foothill Blvd
Hayward, CA 94541
(510) 582-7900

What Are the Best Discounts for Car Insurance in Hayward, CA?

Discounts on car insurance can drastically reduce your monthly premium, particularly if you qualify for multiple discounts. The following are savings for Hayward residents:

Customer Retention Insurance Discount
Senior Citizen Auto Insurance Discount
Safe Driver Discounts
Anti-Theft Car Insurance Discounts
Paid In Full Auto Insurance Discount

Car insurance in Hayward, CA, is somewhat costlier than national averages, especially for minimum mandated liability coverage, reflecting local risk and regulatory factors. For additional information, visit here

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