Best Cheap Auto Insurance in Oxford, FL (2021)

The average Oxford, FL auto insurance rates are $322 per month. The minimum auto insurance in Oxford is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Oxford, Florida, 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

  • The most expensive auto insurance company in Oxford for teen drivers is Allstate
  • Average auto insurance rates in Oxford, FL for senior drivers are $2,350 per year
  • The cheapest auto insurance company in Oxford is USAA

Oxford, Florida auto insurance requirements are 10/20/10 according to Florida 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, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Oxford to other Florida cities, including Orlando auto insurance rates, Tallahassee auto insurance rates, and Tampa auto insurance rates to see how Oxford, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Oxford, Florida

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

Minimum Required Auto Insurance Coverage in Oxford, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Oxford, Florida 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, Florida

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 $3,537 $3,429 $3,111 $3,182 $12,226 $13,397 $3,591 $3,670
GEICO $2,430 $2,439 $2,277 $2,277 $4,289 $5,341 $2,669 $2,700
Liberty Mutual $3,248 $3,248 $2,980 $2,980 $6,803 $10,450 $3,248 $4,384
Nationwide $2,546 $2,513 $2,279 $2,355 $6,046 $7,427 $2,797 $2,906
Progressive $3,419 $3,227 $2,932 $3,139 $9,473 $10,317 $4,110 $3,930
State Farm $1,581 $1,581 $1,435 $1,435 $4,538 $5,795 $1,749 $1,880
USAA $1,356 $1,333 $1,264 $1,254 $4,625 $5,382 $1,693 $1,828

Cheap Oxford, Florida Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oxford, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,226 $13,397
GEICO $4,289 $5,341
Liberty Mutual $6,803 $10,450
Nationwide $6,046 $7,427
Progressive $9,473 $10,317
State Farm $4,538 $5,795
USAA $4,625 $5,382

Cheap Oxford, Florida Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oxford, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,111 $3,182
GEICO $2,277 $2,277
Liberty Mutual $2,980 $2,980
Nationwide $2,279 $2,355
Progressive $2,932 $3,139
State Farm $1,435 $1,435
USAA $1,264 $1,254

Cheap Oxford, Florida 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, Florida compared to the annual auto insurance rates with a clean record in Oxford, Florida.

Annual Oxford, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,984 $5,936 $6,621 $5,530
GEICO $2,138 $2,722 $4,032 $3,318
Liberty Mutual $3,378 $4,372 $6,323 $4,596
Nationwide $3,088 $3,384 $4,539 $3,424
Progressive $4,000 $5,919 $4,982 $5,373
State Farm $2,291 $2,708 $2,499 $2,499
USAA $1,834 $2,263 $3,348 $1,922

Cheap Oxford, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oxford, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,621
GEICO $4,032
Liberty Mutual $6,323
Nationwide $4,539
Progressive $4,982
State Farm $2,499
USAA $3,348

Cheap Oxford, Florida Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oxford, Florida

Insurance Company Poor Fair Good
Allstate $8,042 $5,104 $4,158
GEICO $4,426 $2,696 $2,036
Liberty Mutual $5,999 $4,414 $3,588
Nationwide $4,512 $3,316 $2,999
Progressive $6,629 $4,684 $3,893
State Farm $3,393 $2,249 $1,856
USAA $3,809 $1,862 $1,354

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Cheap Oxford, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oxford, Florida

ZIP Code Average Annual Rates
34484 $2,988

Cheap Oxford, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oxford, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,602 $5,934
GEICO $3,038 $3,067
Liberty Mutual $4,518 $4,817
Nationwide $3,609 $3,609
Progressive $5,068 $5,068
State Farm $2,416 $2,582
USAA $2,315 $2,368

Cheap Oxford, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oxford, Florida

Insurance Company Low Medium High
Allstate $4,399 $6,076 $6,828
GEICO $2,470 $3,164 $3,524
Liberty Mutual $4,315 $4,732 $4,954
Nationwide $2,844 $3,753 $4,230
Progressive $4,344 $5,173 $5,689
State Farm $2,142 $2,557 $2,799
USAA $2,041 $2,420 $2,564

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Best By Category: Cheapest Auto Insurance in Oxford, Florida

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

Best Annual Auto Insurance Rates by Company in Oxford, Florida

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

The Cheapest Oxford, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oxford, Florida

Insurance Company Average Annual Rates
Allstate $5,768
GEICO $3,053
Liberty Mutual $4,667
Nationwide $3,609
Progressive $5,068
State Farm $2,499
USAA $2,342

What affects auto insurance rates in Oxford, Florida?

There are a lot of reasons why auto insurance rates in Oxford, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Oxford, Florida. 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, Florida auto theft statistics, there have been 6 auto thefts in the city.

Oxford Traffic

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

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Compare Oxford, Florida Auto Insurance Quotes

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