Auto Insurance in Hayward (94544)
California · Expensive · 76th percentile statewide
Carrier Rates in 94544
6-month premiums from SERFF rate filings. Standard driver profile.
How 94544 Compares
Hayward (94544) is expensive for auto insurance in California, ranking in the 76th percentile.
The cheapest carrier is Farmers at $563/6mo — 67% less than the most expensive (State Farm at $1,685).
The median premium of $1,000 is 10% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Hayward (94544)?
The median 6-month premium in Hayward (94544) is $1,000 across 9 carriers. Premiums range from $563 to $1,685, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 94544?
Farmers offers the lowest rate in 94544 at $563/6mo. That's 67% less than the most expensive option (State Farm at $1,685/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 94544?
Auto insurance rates in Hayward (94544) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Hayward ranks in the 76th percentile statewide, meaning it's expensive compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 94544?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.