Best Cheap Auto Insurance in Oxford, IN (2021)

The average Oxford, IN auto insurance rates are $269 per month. The minimum auto insurance in Oxford is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Oxford, Indiana, 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: Jul 18, 2021

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Things to Remember

  • The minimum auto insurance required in Oxford, Indiana is 25/50/25
  • The cheapest auto insurance company in Oxford is USAA
  • The average commute length in Oxford is 25.2 minutes

Oxford, Indiana auto insurance requirements are 25/50/25 according to Indiana 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, Indiana, including driving record, credit, commute time, and more.

Compare auto insurance in Oxford to other Indiana cities, including Fishers auto insurance rates, Gary auto insurance rates, and Hammond auto insurance rates to see how Oxford, Indiana auto insurance rates stack up.

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

Minimum Auto Insurance in Oxford, Indiana

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

Minimum Required Auto Insurance Coverage in Oxford, Indiana

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, Indiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Oxford, Indiana 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, Indiana

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 $2,451 $2,511 $2,151 $2,351 $7,561 $9,512 $2,491 $2,712
American Family $2,182 $2,182 $1,962 $1,962 $5,984 $8,674 $2,182 $2,690
Farmers $1,484 $1,466 $1,270 $1,427 $7,948 $8,484 $1,955 $2,111
GEICO $1,272 $1,259 $1,188 $1,223 $3,676 $3,421 $1,450 $1,283
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,569 $1,608 $1,376 $1,472 $4,497 $5,856 $1,833 $2,008
Progressive $1,766 $1,673 $1,599 $1,609 $10,404 $11,722 $2,219 $2,267
State Farm $1,426 $1,426 $1,261 $1,261 $4,170 $5,361 $1,572 $1,746
Travelers $1,240 $1,263 $1,160 $1,160 $7,609 $12,033 $1,309 $1,522
USAA $973 $961 $903 $913 $2,679 $3,002 $1,317 $1,414

Cheap Oxford, Indiana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oxford, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,561 $9,512
American Family $5,984 $8,674
Farmers $7,948 $8,484
GEICO $3,676 $3,421
Liberty Mutual $8,754 $13,230
Nationwide $4,497 $5,856
Progressive $10,404 $11,722
State Farm $4,170 $5,361
Travelers $7,609 $12,033
USAA $2,679 $3,002

Cheap Oxford, Indiana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oxford, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,151 $2,351
American Family $1,962 $1,962
Farmers $1,270 $1,427
GEICO $1,188 $1,223
Liberty Mutual $3,662 $3,662
Nationwide $1,376 $1,472
Progressive $1,599 $1,609
State Farm $1,261 $1,261
Travelers $1,160 $1,160
USAA $903 $913

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

Annual Oxford, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,160 $4,646 $4,294 $3,770
American Family $2,396 $3,826 $4,834 $2,854
Farmers $2,922 $3,412 $3,511 $3,226
GEICO $1,217 $1,915 $2,570 $1,684
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,173 $2,802 $2,687 $2,448
Progressive $3,108 $5,471 $3,713 $4,336
State Farm $2,227 $2,430 $2,227 $2,227
Travelers $2,896 $3,582 $4,061 $3,109
USAA $1,150 $1,632 $1,872 $1,426

Cheap Oxford, Indiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oxford, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,294
American Family $4,834
Farmers $3,511
GEICO $2,570
Liberty Mutual $8,386
Nationwide $2,687
Progressive $3,713
State Farm $2,227
Travelers $4,061
USAA $1,872

Cheap Oxford, Indiana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oxford, Indiana

Insurance Company Poor Fair Good
Allstate $4,916 $3,662 $3,324
American Family $4,755 $3,090 $2,588
Farmers $3,813 $3,110 $2,881
GEICO $2,218 $1,846 $1,475
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $2,876 $2,432 $2,274
Progressive $4,585 $4,059 $3,827
State Farm $3,318 $1,980 $1,535
Travelers $3,802 $3,218 $3,216
USAA $2,052 $1,352 $1,157

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Cheap Oxford, Indiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oxford, Indiana

ZIP Code Average Annual Rates
47971 $3,150

Cheap Oxford, Indiana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oxford, Indiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,967 $3,967
American Family $3,436 $3,519
Farmers $3,268 $3,268
GEICO $1,815 $1,878
Liberty Mutual $5,687 $5,998
Nationwide $2,527 $2,527
Progressive $4,157 $4,157
State Farm $2,212 $2,343
Travelers $3,412 $3,412
USAA $1,500 $1,541

Cheap Oxford, Indiana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oxford, Indiana

Insurance Company Low Medium High
Allstate $3,791 $3,953 $4,157
American Family $3,445 $3,593 $3,394
Farmers $3,156 $3,261 $3,387
GEICO $1,739 $1,840 $1,960
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $2,571 $2,506 $2,505
Progressive $3,918 $4,090 $4,463
State Farm $2,177 $2,276 $2,379
Travelers $3,341 $3,444 $3,451
USAA $1,469 $1,517 $1,575

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Best By Category: Cheapest Auto Insurance in Oxford, Indiana

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

Best Annual Auto Insurance Rates by Company in Oxford, Indiana

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, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oxford, Indiana

Insurance Company Average Annual Rates
Allstate $3,967
American Family $3,477
Farmers $3,268
GEICO $1,847
Liberty Mutual $5,842
Nationwide $2,527
Progressive $4,157
State Farm $2,278
Travelers $3,412
USAA $1,520

What affects auto insurance rates in Oxford, Indiana?

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

Oxford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oxford, Indiana commute length is 25.2 minutes according to City-Data.

Oxford Traffic

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

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Compare Oxford, Indiana Auto Insurance Quotes

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