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Cheap Car Insurance in Hayward, California

Find cheap car insurance in Hayward, Calif., a coastal community on the San Francisco Bay in Alameda County. Home to an estimated 150,000 residents, it’s the sixth largest city on the bay and the former site of the Hunt Brothers Cannery, where a housing project is now located. Major employers today include Impax Laboratories, California State University East Bay, Gillig and St. Rose Hospital. Hayward boasts the oldest continually running gay prom in the U.S., held since 1995 for youth 20 and under. Interestingly, the city has its very own fault line, and experienced a 7.0 earthquake in the 1800s.

Driving Conditions in Hayward

Major corridors in Hayward are Interstate 880 connecting to Freemont and Oakland, State Route 92 – which runs westward over the San Mateo-Hayward Bridge – and State Route 238, also known as the oft-congested Mission Boulevard. Locals warn about what is called the “Merge of Doom” on the Hayward Loop, where drivers try and merge from SR 92, or Jackson Street, and Foothill Blvd.

It intersects just south of downtown with SR 92 (Jackson Street) in an intersection known as “Five Flags,” which is no fun during peak hours. The average commute time for Hayward is about 30 minutes, four minutes longer than the national average. Live traffic cams and maps can be found online at

Unique Laws in Hayward

California recently passed some rather unusual laws, such as one requiring film producers to get permission from a board-certified pediatrician before filming a child under 1 month old. Also recent is SB 1140, which exempts clergy who object to same-sex marriages from having to perform them. New laws also prohibit picketing a funeral one hour before or one hour after the service.

Newcomers are often pleased to learn that California’s liquor laws are not nearly as strict as other states, with sales allowed at nearly all hours, plus Sundays.

Hayward Crime Statistics

Hayward is considered part of the greater San Francisco metro, which has notoriously high vehicle theft rates. The rate for the greater metro was 640 incidents per 100,000 people in 2016, almost three times the national average. In fact, the Bay Area in 2016 was named the top spot in the nation for auto theft, according to the National Insurance Crime Bureau. Hayward’s auto theft rate is even higher, at 880 incidents per 100,000 people. From 2012 to 2014 nearly 90,000 vehicles were stolen in the San Francisco, Oakland and Hayward areas, according to FBI statistics.

Hayward Safety Requirements

Passengers younger than 2 must be secured in a rear-facing safety seat, unless he or she is over 40 pounds or at least 40 inches tall, according to California laws. All children under age 8 or less than 4 feet 9 inches tall must ride in a federally-approved restraint system. As of 2017, drivers may not use a hand-held device while driving even to access GPS; GPS systems must be mounted within the car. Minors may not use cellphones while driving unless in an emergency.

According to the California Office of Traffic Safety, the “Click It or Ticket” program ensures drivers they will receive a ticket if they or their passengers do not wear safety belts.

Hayward Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 or higher are charged with driving under the influence, according to the California Department of Motor Vehicles. For those driving vehicles requiring a commercial driver’s license, the BAC is .04, whether they have a CDL or not. The BAC drops to .01 for those under 21 or those on DUI probation. If arrested, a driver may immediately lose his license and be issued a temporary one for 30 days. Contact us for cheap auto insurance rates in Hayward.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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