Best Port Hueneme, CA Car Insurance in 2026
Car insurance in Port Hueneme, CA averages $306 a month. Port Hueneme, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Port Hueneme car insurance rates, compare quotes from the top car insurance companies in Port Hueneme, CA.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated December 2025
- Average car insurance rates in Port Hueneme, CA are $3,672/year
- The cheapest car insurance company in Port Hueneme is Geico
- Average car insurance rates in Port Hueneme, CA after a DUI are $5,174/year
If you need to buy Port Hueneme, California car insurance, the options can be confusing. Everything you need to know about car insurance in Port Hueneme, CA is right here.
You’ll find Port Hueneme car insurance rates, the cheapest Port Hueneme, CA car insurance companies, and information on California car insurance laws. You can also compare Port Hueneme, California car insurance rates to San Diego car insurance rates, Sacramento car insurance rates, and Bakersfield car insurance rates.
Ready to find affordable Port Hueneme, CA car insurance today? Enter your ZIP code for fast, free Port Hueneme car insurance quotes.
Cheapest Port Hueneme, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Port Hueneme, CA car insurance rates? Every Port Hueneme, California car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,870 | $2,863 | $2,100 | $2,112 | $8,076 | $10,143 | $3,653 | $3,984 |
| Farmers | $2,459 | $2,459 | $2,233 | $2,233 | $7,806 | $12,695 | $2,912 | $3,244 |
| Geico | $1,600 | $1,601 | $1,505 | $1,505 | $4,863 | $4,944 | $2,297 | $2,348 |
| Liberty Mutual | $2,266 | $2,139 | $2,120 | $2,049 | $4,958 | $5,291 | $2,548 | $2,578 |
| Nationwide | $3,551 | $3,384 | $3,122 | $2,937 | $9,115 | $10,065 | $4,235 | $4,173 |
| Progressive | $1,905 | $1,962 | $1,628 | $1,931 | $5,147 | $6,202 | $2,760 | $2,970 |
| State Farm | $3,301 | $3,301 | $2,953 | $2,953 | $6,099 | $7,567 | $3,654 | $3,768 |
| Travelers | $2,472 | $2,390 | $2,191 | $2,167 | $5,148 | $5,887 | $3,229 | $3,147 |
| USAA | $2,018 | $1,906 | $1,974 | $1,977 | $4,625 | $4,647 | $2,797 | $2,638 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Minimum Car Insurance in Port Hueneme, CA
Every driver must carry the minimum car insurance in Port Hueneme, CA. Take a look at the California car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Port Hueneme, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Port Hueneme, CA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,701 | $4,533 | $7,125 | $3,541 |
| Farmers | $3,335 | $4,539 | $5,643 | $4,502 |
| Geico | $1,806 | $2,789 | $3,497 | $2,240 |
| Liberty Mutual | $2,599 | $3,480 | $3,142 | $2,754 |
| Nationwide | $3,537 | $4,538 | $7,679 | $4,538 |
| Progressive | $2,000 | $3,411 | $3,960 | $2,883 |
| State Farm | $2,998 | $3,575 | $6,747 | $3,479 |
| Travelers | $2,212 | $3,630 | $4,205 | $3,269 |
| USAA | $1,874 | $2,792 | $4,571 | $2,054 |
Cheapest Port Hueneme, CA Car Insurance for Teen Drivers
Teen car insurance in Port Hueneme, CA can be expensive. Take a look at rates from the top car insurance companies in Port Hueneme for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,076 | $10,143 |
| Farmers | $7,806 | $12,695 |
| Geico | $4,863 | $4,944 |
| Liberty Mutual | $4,958 | $5,291 |
| Nationwide | $9,115 | $10,065 |
| Progressive | $5,147 | $6,202 |
| State Farm | $6,099 | $7,567 |
| Travelers | $5,148 | $5,887 |
| USAA | $4,625 | $4,647 |
Cheapest Port Hueneme, CA Car Insurance for Seniors
Take a look at Port Hueneme, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,100 | $2,112 |
| Farmers | $2,233 | $2,233 |
| Geico | $1,505 | $1,505 |
| Liberty Mutual | $2,120 | $2,049 |
| Nationwide | $3,122 | $2,937 |
| Progressive | $1,628 | $1,931 |
| State Farm | $2,953 | $2,953 |
| Travelers | $2,191 | $2,167 |
| USAA | $1,974 | $1,977 |
Cheapest Port Hueneme, CA Car Insurance Rates After a DUI
A DUI in Port Hueneme, CA increases car insurance rates. Compare Port Hueneme, California DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,125 |
| Farmers | $5,643 |
| Geico | $3,497 |
| Liberty Mutual | $3,142 |
| Nationwide | $7,679 |
| Progressive | $3,960 |
| State Farm | $6,747 |
| Travelers | $4,205 |
| USAA | $4,571 |
Cheapest Port Hueneme, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Port Hueneme, CA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,036 | $4,914 |
| Farmers | $4,087 | $4,923 |
| Geico | $2,346 | $2,819 |
| Liberty Mutual | $2,746 | $3,240 |
| Nationwide | $4,473 | $5,672 |
| Progressive | $2,779 | $3,347 |
| State Farm | $4,046 | $4,353 |
| Travelers | $2,996 | $3,662 |
| USAA | $2,600 | $3,045 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
The Best Cheap Car Insurance Companies in Port Hueneme, CA
Take a look at a side-by-side comparison of the top car insurance companies in Port Hueneme, CA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,475 |
| Farmers | $4,505 |
| Geico | $2,583 |
| Liberty Mutual | $2,993 |
| Nationwide | $5,073 |
| Progressive | $3,063 |
| State Farm | $4,199 |
| Travelers | $3,329 |
| USAA | $2,823 |
Category Winners: Cheapest Car Insurance in Port Hueneme, California
Find the cheapest car insurance companies in Port Hueneme, CA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Cheapest Port Hueneme, CA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Port Hueneme car insurance rates. Find the cheapest Port Hueneme, CA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,227 | $4,515 | $4,683 |
| Farmers | $4,162 | $4,542 | $4,811 |
| Geico | $2,329 | $2,613 | $2,806 |
| Liberty Mutual | $2,783 | $3,018 | $3,179 |
| Nationwide | $4,518 | $5,163 | $5,537 |
| Progressive | $2,729 | $3,159 | $3,302 |
| State Farm | $3,771 | $4,271 | $4,556 |
| Travelers | $2,897 | $3,418 | $3,672 |
| USAA | $2,559 | $2,878 | $3,032 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What affects car insurance rates in Port Hueneme, California?
What factors can have an impact on Port Hueneme, CA car insurance? There are several reasons why Port Hueneme car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Port Hueneme, California.
Car Theft in Port Hueneme
High levels of vehicle theft can make car insurance more expensive. Port Hueneme, CA car theft statistics from the FBI indicate 55 vehicle thefts a year.
Commute Time in Port Hueneme
The more time you spend in your car the higher the risk of an accident. The average commute length in Port Hueneme, CA is 23.4 minutes according to City-Data.
Compare Car Insurance Quotes in Port Hueneme, CA
Ready to find affordable Port Hueneme, California car insurance today? Enter your ZIP code for fast, free Port Hueneme, CA car insurance quotes.
Frequently Asked Questions
How do car insurance rates in Port Hueneme, CA compare to other areas?
Car insurance rates in Port Hueneme, CA can vary depending on various factors, including your age, driving history, type of vehicle, and coverage options. However, compared to some other areas in California, Port Hueneme generally has lower car insurance rates due to factors such as a lower population density and relatively low crime rates.
What are the factors that affect car insurance rates in Port Hueneme, CA?
Several factors influence car insurance rates in Port Hueneme, CA. These include your driving record, age, gender, type of vehicle, credit history, coverage limits, deductible amount, and any additional coverage options you choose, such as comprehensive or collision coverage. Insurance companies also consider local factors such as the number of accidents and thefts in the area.
Are there any specific discounts available for car insurance in Port Hueneme, CA?
Many insurance providers offer various discounts that can help lower your car insurance rates in Port Hueneme, CA. Some common discounts include safe driver discounts, good student discounts, multi-policy discounts (if you have multiple policies with the same insurer), and discounts for installing anti-theft devices or safety features in your vehicle. It’s always a good idea to ask your insurance provider about available discounts.
How can I find the best car insurance rates in Port Hueneme, CA?
To find the best car insurance rates in Port Hueneme, CA, it’s important to shop around and compare quotes from multiple insurance providers. You can do this by contacting insurance companies directly or by using online comparison websites that allow you to compare rates from different insurers. Make sure to provide accurate information about your driving history and coverage needs to get the most accurate quotes.
Are there any specific coverage requirements or minimum limits for car insurance in Port Hueneme, CA?
Yes, like the rest of California, Port Hueneme has specific coverage requirements for car insurance. The minimum liability coverage limits mandated by the state of California are 15/30/5. This means you must have at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $5,000 in property damage liability coverage. It’s important to note that these are the minimum requirements, and it’s often advisable to consider higher coverage limits for better protection.
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption