24/7 Emergency · Hayward
Emergency Insurance Agents in Hayward, CA — Available 24/7
When you can't wait, these insurance agents in Hayward offer emergency response. Call now — most respond within the hour.
As of June 2026, RatingsNearMe ranks 19 insurance agents in Hayward, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Kim Holland - State Farm Insurance Agent with a 5.0-star rating from 459 Google reviews and an RNM Score of 88/100. Also in the top tier: Cost-U-Less Insurance and AAA Hayward Branch. The average rating across all listed insurance agents in Hayward is 4.8 stars from 139 reviews per business on average.
Insurance in Hayward: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 13, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Kim Holland - State Farm Insurance Agent
Kim Holland is consistently top-ranked for her strong local reputation and personalized service in Hayward.
Most Reviewed
Kim Holland - State Farm Insurance Agent
A high number of reviews indicates broad customer experience and trust in the agent's reliability.
When choosing an insurance agent in Hayward, compare quotes and read recent reviews to ensure the agent meets your specific coverage needs and offers responsive local service.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
139
Avg reviews
Jun 13, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds with a perfect 5.0-star rating in Hayward, CA.
897 E Lewelling Blvd, Hayward, CA 94541, USATrusted by hundreds of Hayward clients with a near-perfect 4.9-star rating.
26953 Mission Blvd Unit B, Hayward, CA 94544, USATrusted by hundreds of local clients with a strong 4.4-star rating.
1580 Chabot Ct, Hayward, CA 94545, USAInsurance Agents Rankings in Hayward, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Kim Holland - State Farm Insurance Agent897 E Lewelling Blvd, Hayward, CA 94541, USA | 5.0★ | 459 |
| #2 | Cost-U-Less Insurance26953 Mission Blvd Unit B, Hayward, CA 94544, USA | 4.9★ | 361 |
| #3 | AAA Hayward Branch1580 Chabot Ct, Hayward, CA 94545, USA | 4.4★ | 974 |
| #4 | Harpierr Insurance Agency Hayward1320 Apple Ave 1st Floor, Ste 104, Hayward, CA 94541, USA | 5.0★ | 7 |
| #5 | SaveGuard Insurance Agency22576 Mission Blvd, Hayward, CA 94541, USA | 4.9★ | 144 |
| #6 | Home & Auto Insurance Agency Hayward (First Avenue Insurance Services)24479 Mission Blvd, Hayward, CA 94544, USA | 5.0★ | 57 |
| #7 | Diana Delija-Munoz - State Farm Insurance Agent925 W Winton Ave Unit B, Hayward, CA 94545, USA | 4.8★ | 37 |
| #8 | Saveguard Insurance & DMV Registration Services17860 Hesperian Blvd, San Lorenzo, CA 94580, USA | 4.9★ | 248 |
| #9 | Jeff Sinfuego - State Farm Insurance Agent22561 Main St, Hayward, CA 94541, USA | 4.8★ | 141 |
| #10 | Fiesta Auto Insurance & Tax Service21192 Hesperian Blvd, Hayward, CA 94541, USA | 4.6★ | 57 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Hayward
Exceptional 5.0-star rating from 7 reviews for a Hayward insurance agent.
1320 Apple Ave 1st Floor, Ste 104, Hayward, CA 94541, USA
A top-rated Hayward insurance agent with a near-perfect 4.9★ rating from over 140 reviews.
22576 Mission Blvd, Hayward, CA 94541, USA
Boasting a perfect 5.0-star rating from 57 reviews, this agent is highly trusted.
24479 Mission Blvd, Hayward, CA 94544, USA
Rated 4.8 stars from 37 Google reviews, this Hayward insurance agent is highly trusted.
925 W Winton Ave Unit B, Hayward, CA 94545, USA
Trusted by hundreds of local clients, this Hayward agent holds a stellar 4.9-star rating.
17860 Hesperian Blvd, San Lorenzo, CA 94580, USA
Trusted Hayward insurance agent with a 4.8★ rating from over 140 reviews.
22561 Main St, Hayward, CA 94541, USA
Trusted Hayward insurance agent with a strong 4.6-star rating from dozens of reviews.
21192 Hesperian Blvd, Hayward, CA 94541, USA
24 Google reviews give this Hayward insurance agent a solid 3.9-star rating.
21551 Foothill Blvd, Hayward, CA 94541, USA
Trusted by locals with a solid 4.0-star rating from over 20 reviews.
384 Jackson St #7, Hayward, CA 94544, USA
5.0 stars from 7 Google reviews reflects exceptional local service.
22544 2nd St, Hayward, CA 94541, USA
Trusted local insurance agent with a solid 4.3-star rating from 6 reviews.
1219 A St, Hayward, CA 94541, USA
Exceptional 5.0-star rating from one glowing Google review in Hayward.
1164 W Tennyson Rd, Hayward, CA 94544, USA
Exceptional 5.0-star rating from a handful of Google reviews in Hayward.
724 A St, Hayward, CA 94541, USA
A 5.0-star rating from 3 Google reviews reflects exceptional local service.
3475 Investment Blvd Executive Assistant, Hayward, CA 94545, USA
Boasting a near-perfect 4.9-star rating from 25 Google reviews.
30030 Mission Blvd #215, Hayward, CA 94544, USA
Hayward insurance agent with a flawless 5.0-star rating from 59 reviews.
1290 B St Ste 105, Hayward, CA 94541, USA
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Insurance Agents in Hayward, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Kim Holland - State Farm Insurance Agent | 88/100 | 5.0 ★ | 459 |
| 2 | Cost-U-Less Insurance | 87/100 | 4.9 ★ | 361 |
| 3 | AAA Hayward Branch | 78/100 | 4.4 ★ | 974 |
| 4 | Harpierr Insurance Agency Hayward | 70/100 | 5.0 ★ | 7 |
| 5 | SaveGuard Insurance Agency | 84/100 | 4.9 ★ | 144 |
| 6 | Home & Auto Insurance Agency Hayward (First Avenue Insurance Services) | 80/100 | 5.0 ★ | 57 |
| 7 | Diana Delija-Munoz - State Farm Insurance Agent | 75/100 | 4.8 ★ | 37 |
| 8 | Saveguard Insurance & DMV Registration Services | 87/100 | 4.9 ★ | 248 |
| 9 | Jeff Sinfuego - State Farm Insurance Agent | 82/100 | 4.8 ★ | 141 |
| 10 | Fiesta Auto Insurance & Tax Service | 74/100 | 4.6 ★ | 57 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Insurance Agents in Hayward
What is the difference between a captive and independent insurance agent in Hayward?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in CA?
Search the CA Department of Insurance's online license lookup — Google "CA Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in CA must be licensed with the state.
How much does working with a local insurance agent in Hayward cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Hayward?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Hayward adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
Insurance Agents in Nearby Cities
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How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 13, 2026.
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