Best Cheap Auto Insurance in Oxford, AL (2021)

The average Oxford, AL auto insurance rates are $301 per month. The minimum auto insurance in Oxford is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Oxford, Alabama, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Oxford, AL for senior drivers are $1,907 per year
  • The cheapest auto insurance company in Oxford is USAA
  • The most expensive auto insurance company in Oxford for teen drivers is Liberty Mutual

Oxford, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Oxford can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Oxford, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Oxford to other Alabama cities, including Birmingham auto insurance rates, Tuscaloosa auto insurance rates, and Madison auto insurance rates to see how Oxford, Alabama auto insurance rates stack up.

Before you buy Oxford, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Oxford, Alabama auto insurance quotes.

Minimum Auto Insurance in Oxford, Alabama

Oxford, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Oxford, Alabama.

Minimum Required Auto Insurance Coverage in Oxford, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Oxford, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Oxford, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Oxford, Alabama

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 $1,998 $1,905 $1,808 $1,843 $6,936 $7,443 $2,237 $2,287
Farmers $2,301 $2,285 $2,056 $2,185 $8,886 $9,143 $2,610 $2,709
GEICO $1,919 $1,902 $1,817 $1,869 $4,975 $4,882 $2,025 $1,883
Liberty Mutual $2,989 $3,230 $2,456 $2,748 $10,907 $12,130 $3,177 $3,379
Nationwide $1,806 $1,827 $1,647 $1,702 $4,867 $6,248 $2,009 $2,243
Progressive $2,300 $2,142 $1,887 $2,029 $9,627 $10,713 $2,676 $2,825
State Farm $2,891 $2,891 $2,637 $2,637 $9,076 $11,341 $3,274 $3,789
Travelers $1,408 $1,429 $1,326 $1,320 $7,516 $11,777 $1,334 $1,523
USAA $1,275 $1,294 $1,190 $1,165 $3,793 $4,205 $1,659 $1,789

Cheap Oxford, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Oxford, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Oxford, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Oxford, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,936 $7,443
Farmers $8,886 $9,143
GEICO $4,975 $4,882
Liberty Mutual $10,907 $12,130
Nationwide $4,867 $6,248
Progressive $9,627 $10,713
State Farm $9,076 $11,341
Travelers $7,516 $11,777
USAA $3,793 $4,205

Cheap Oxford, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Oxford, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Oxford, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,808 $1,843
Farmers $2,056 $2,185
GEICO $1,817 $1,869
Liberty Mutual $2,456 $2,748
Nationwide $1,647 $1,702
Progressive $1,887 $2,029
State Farm $2,637 $2,637
Travelers $1,326 $1,320
USAA $1,190 $1,165

Cheap Oxford, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Oxford, Alabama compared to the annual auto insurance rates with a clean record in Oxford, Alabama.

Annual Oxford, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $3,314 $3,926 $3,176
Farmers $3,385 $4,379 $4,272 $4,052
GEICO $1,803 $2,879 $3,547 $2,408
Liberty Mutual $4,022 $5,598 $5,473 $5,416
Nationwide $2,445 $2,445 $3,555 $2,728
Progressive $3,850 $4,863 $4,163 $4,224
State Farm $4,326 $5,418 $4,762 $4,762
Travelers $2,875 $3,018 $4,419 $3,505
USAA $1,575 $1,976 $2,932 $1,703

Cheap Oxford, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Oxford, Alabama is not easy. Compare the annual rates for DUI auto insurance in Oxford, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Oxford, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,926
Farmers $4,272
GEICO $3,547
Liberty Mutual $5,473
Nationwide $3,555
Progressive $4,163
State Farm $4,762
Travelers $4,419
USAA $2,932

Cheap Oxford, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Oxford, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Oxford, Alabama

Insurance Company Poor Fair Good
Allstate $4,085 $3,210 $2,626
Farmers $4,508 $3,880 $3,677
GEICO $3,381 $2,413 $2,183
Liberty Mutual $7,340 $4,505 $3,537
Nationwide $3,374 $2,630 $2,377
Progressive $4,810 $4,142 $3,873
State Farm $7,816 $3,952 $2,683
Travelers $3,767 $3,267 $3,328
USAA $2,750 $1,790 $1,599

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Cheap Oxford, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Oxford, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Oxford, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Oxford, Alabama

ZIP Code Average Annual Rates
36203 $3,704

Cheap Oxford, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Oxford, Alabama auto insurance. Find the cheapest annual Oxford, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Oxford, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,307 $3,307
Farmers $4,022 $4,022
GEICO $2,610 $2,708
Liberty Mutual $5,127 $5,127
Nationwide $2,794 $2,794
Progressive $4,275 $4,275
State Farm $4,699 $4,935
Travelers $3,454 $3,454
USAA $1,953 $2,140

Cheap Oxford, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Oxford, Alabama? Check out the comparison of annual Oxford, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Oxford, Alabama

Insurance Company Low Medium High
Allstate $3,187 $3,301 $3,433
Farmers $3,792 $3,968 $4,305
GEICO $2,454 $2,647 $2,876
Liberty Mutual $4,877 $5,101 $5,403
Nationwide $2,787 $2,768 $2,825
Progressive $3,782 $4,248 $4,795
State Farm $4,538 $4,812 $5,101
Travelers $3,283 $3,523 $3,556
USAA $1,973 $2,035 $2,130

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Best By Category: Cheapest Auto Insurance in Oxford, Alabama

Compare the cheapest auto insurance companies in Oxford, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Oxford, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Oxford, Alabama Auto Insurance Companies

What auto insurance companies in Oxford, Alabama are the cheapest? Compare the top Oxford, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Oxford, Alabama

Insurance Company Average Annual Rates
Allstate $3,307
Farmers $4,022
GEICO $2,659
Liberty Mutual $5,127
Nationwide $2,794
Progressive $4,275
State Farm $4,817
Travelers $3,454
USAA $2,046

What affects auto insurance rates in Oxford, Alabama?

There are a lot of reasons why auto insurance rates in Oxford, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Oxford, Alabama. Many local factors may affect your Oxford auto insurance rates.

Oxford Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Oxford, Alabama auto theft statistics, there have been 30 auto thefts in the city.

Oxford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oxford, Alabama commute length is 23.0 minutes according to City-Data.

Oxford Traffic

How does Oxford, Alabama rank for traffic? According to Inrix Oxford, Alabama is the 771st most congested worldwide.

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Compare Oxford, Alabama Auto Insurance Quotes

Before you buy Oxford, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Oxford, Alabama auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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