Best Cheap Auto Insurance in Oxford, MI (2021)

The average Oxford, MI auto insurance rates are $863 per month. The minimum auto insurance in Oxford is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Oxford, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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
  • The minimum auto insurance required in Oxford, Michigan is 20/40/10
  • The cheapest auto insurance company in Oxford is USAA

Oxford, Michigan auto insurance requirements are 20/40/10 according to Michigan 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Oxford to other Michigan cities, including Sterling Heights auto insurance rates, Detroit auto insurance rates, and Flint auto insurance rates to see how Oxford, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Oxford, Michigan

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

Minimum Required Auto Insurance Coverage in Oxford, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Oxford, Michigan 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, Michigan

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 $17,277 $17,277 $16,012 $16,012 $43,702 $43,702 $18,216 $18,216
Farmers $4,278 $4,278 $3,984 $3,984 $10,004 $10,004 $4,826 $4,826
GEICO $5,123 $5,123 $5,255 $5,255 $14,238 $14,238 $4,883 $4,883
Liberty Mutual $14,993 $14,993 $14,847 $14,847 $34,903 $34,903 $14,993 $14,993
Nationwide $4,815 $4,815 $4,278 $4,278 $13,013 $13,013 $5,298 $5,298
Progressive $3,253 $3,001 $2,876 $3,226 $12,077 $12,833 $3,782 $3,459
State Farm $7,182 $7,182 $6,666 $6,666 $25,421 $25,421 $8,449 $8,449
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,881 $2,715 $2,710 $2,545 $7,199 $6,821 $3,516 $3,356

Cheap Oxford, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oxford, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,702 $43,702
Farmers $10,004 $10,004
GEICO $14,238 $14,238
Liberty Mutual $34,903 $34,903
Nationwide $13,013 $13,013
Progressive $12,077 $12,833
State Farm $25,421 $25,421
Travelers $16,180 $16,180
USAA $7,199 $6,821

Cheap Oxford, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oxford, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,012 $16,012
Farmers $3,984 $3,984
GEICO $5,255 $5,255
Liberty Mutual $14,847 $14,847
Nationwide $4,278 $4,278
Progressive $2,876 $3,226
State Farm $6,666 $6,666
Travelers $4,626 $4,626
USAA $2,710 $2,545

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

Annual Oxford, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,518 $15,386 $52,112 $16,191
Farmers $4,838 $6,191 $6,100 $5,961
GEICO $2,540 $5,477 $16,726 $4,757
Liberty Mutual $13,654 $16,711 $31,697 $17,675
Nationwide $5,850 $7,853 $7,107 $6,593
Progressive $4,702 $6,210 $5,573 $5,769
State Farm $7,521 $9,055 $19,788 $11,355
Travelers $5,416 $7,736 $12,473 $6,404
USAA $3,184 $3,991 $5,224 $3,473

Cheap Oxford, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oxford, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $52,112
Farmers $6,100
GEICO $16,726
Liberty Mutual $31,697
Nationwide $7,107
Progressive $5,573
State Farm $19,788
Travelers $12,473
USAA $5,224

Cheap Oxford, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oxford, Michigan

Insurance Company Poor Fair Good
Allstate $36,036 $19,989 $15,380
Farmers $7,525 $5,085 $4,708
GEICO $9,499 $6,968 $5,658
Liberty Mutual $31,535 $18,213 $10,055
Nationwide $8,590 $6,472 $5,490
Progressive $6,421 $5,406 $4,863
State Farm $19,347 $9,791 $6,651
Travelers $8,206 $7,958 $7,858
USAA $5,953 $3,385 $2,566

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Cheap Oxford, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oxford, Michigan

ZIP Code Average Annual Rates
48370 $7,485
48371 $7,154

Cheap Oxford, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oxford, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $23,802 $23,802
Farmers $5,773 $5,773
GEICO $7,208 $7,542
Liberty Mutual $19,257 $20,611
Nationwide $6,851 $6,851
Progressive $5,563 $5,563
State Farm $11,616 $12,243
Travelers $7,961 $8,053
USAA $3,922 $4,013

Cheap Oxford, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oxford, Michigan

Insurance Company Low Medium High
Allstate $23,146 $23,860 $24,400
Farmers $5,622 $5,760 $5,936
GEICO $6,878 $7,305 $7,942
Liberty Mutual $19,475 $19,890 $20,437
Nationwide $7,153 $6,739 $6,660
Progressive $5,374 $5,571 $5,745
State Farm $11,365 $11,999 $12,425
Travelers $7,920 $8,016 $8,086
USAA $3,855 $3,977 $4,072

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Best By Category: Cheapest Auto Insurance in Oxford, Michigan

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

Best Annual Auto Insurance Rates by Company in Oxford, Michigan

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

The Cheapest Oxford, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oxford, Michigan

Insurance Company Average Annual Rates
Allstate $23,802
Farmers $5,773
GEICO $7,375
Liberty Mutual $19,934
Nationwide $6,851
Progressive $5,563
State Farm $11,930
Travelers $8,007
USAA $3,968

What affects auto insurance rates in Oxford, Michigan?

There are a lot of reasons why auto insurance rates in Oxford, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Oxford, Michigan. 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, Michigan auto theft statistics, there have been 0 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, Michigan commute length is 26.2 minutes according to City-Data.

Oxford Traffic

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

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Compare Oxford, Michigan Auto Insurance Quotes

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