Pricing Guide · Hayward
Insurance Agents Cost in Hayward, CA — 2026 Price Guide
What should you pay for insurance agents in Hayward? See real 2026 price ranges from local pros and get free quotes to compare.
As of June 2026, RatingsNearMe ranks 19 insurance agents in Hayward, CA by verified customer ratings and review volume. The highest-rated is AAA Hayward Branch with a 4.4-star rating from 974 verified reviews. Also in the top tier: Kim Holland - State Farm Insurance Agent and Cost-U-Less Insurance. 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
139
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
AAA Hayward Branch
1580 Chabot Ct, Hayward, CA 94545, USA
Kim Holland - State Farm Insurance Agent
897 E Lewelling Blvd, Hayward, CA 94541, USA
Cost-U-Less Insurance
26953 Mission Blvd Unit B, Hayward, CA 94544, USA
Insurance Agents Rankings in Hayward, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | AAA Hayward Branch1580 Chabot Ct, Hayward, CA 94545, USA | 4.4★ | 974 |
| #2 | Kim Holland - State Farm Insurance Agent897 E Lewelling Blvd, Hayward, CA 94541, USA | 5.0★ | 459 |
| #3 | Cost-U-Less Insurance26953 Mission Blvd Unit B, Hayward, CA 94544, USA | 4.9★ | 361 |
| #4 | SaveGuard Insurance Agency22576 Mission Blvd, Hayward, CA 94541, USA | 4.9★ | 144 |
| #5 | Home & Auto Insurance Agency Hayward (First Avenue Insurance Services)24479 Mission Blvd, Hayward, CA 94544, USA | 5.0★ | 57 |
| #6 | Harpierr Insurance Agency Hayward1320 Apple Ave 1st Floor, Ste 104, Hayward, CA 94541, USA | 5.0★ | 7 |
| #7 | Jeff Sinfuego - State Farm Insurance Agent22561 Main St, Hayward, CA 94541, USA | 4.8★ | 141 |
| #8 | David Pena - State Farm Insurance Agent1290 B St Ste 105, Hayward, CA 94541, USA | 5.0★ | 59 |
| #9 | Carlson & Associates Insurance Agency: Allstate Insurance21551 Foothill Blvd, Hayward, CA 94541, USA | 3.9★ | 24 |
| #10 | Farmers Insurance Agent in Hayward3475 Investment Blvd Executive Assistant, Hayward, CA 94545, USA | 5.0★ | 3 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Hayward
SaveGuard Insurance Agency
22576 Mission Blvd, Hayward, CA 94541, USA
Home & Auto Insurance Agency Hayward (First Avenue Insurance Services)
24479 Mission Blvd, Hayward, CA 94544, USA
Harpierr Insurance Agency Hayward
1320 Apple Ave 1st Floor, Ste 104, Hayward, CA 94541, USA
Jeff Sinfuego - State Farm Insurance Agent
22561 Main St, Hayward, CA 94541, USA
David Pena - State Farm Insurance Agent
1290 B St Ste 105, Hayward, CA 94541, USA
Carlson & Associates Insurance Agency: Allstate Insurance
21551 Foothill Blvd, Hayward, CA 94541, USA
Farmers Insurance Agent in Hayward
3475 Investment Blvd Executive Assistant, Hayward, CA 94545, USA
Diego Nunez Insurance Agency INC
724 A St, Hayward, CA 94541, USA
Diana Delija-Munoz - State Farm Insurance Agent
925 W Winton Ave Unit B, Hayward, CA 94545, USA
Tennyson Insurance Services
1164 W Tennyson Rd, Hayward, CA 94544, USA
Megan Quan: Allstate Insurance
1219 A St, Hayward, CA 94541, USA
Fiesta Auto Insurance & Tax Service
21192 Hesperian Blvd, Hayward, CA 94541, USA
Saveguard Insurance & DMV Registration Services
17860 Hesperian Blvd, San Lorenzo, CA 94580, USA
Edwina Paraso - State Farm Insurance Agent
30030 Mission Blvd #215, Hayward, CA 94544, USA
Chavez Insurance Services
384 Jackson St #7, Hayward, CA 94544, USA
Adrian Stovall - State Farm Insurance Agent
22544 2nd St, Hayward, CA 94541, USA
Get Free Quotes
We'll connect you with the top insurance agents in Hayward, CA.
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
Compare top-rated insurance agents in cities near you.
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 1, 2026.
More Home Services in Hayward
Related Searches
More ways to find insurance agents in Hayward
Insurance Agents in nearby cities