Best Cheap Auto Insurance in Oxford, NC (2021)

The average Oxford, NC auto insurance rates are $300 per month. The minimum auto insurance in Oxford is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Oxford, North Carolina, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Oxford is Liberty Mutual
  • Average auto insurance rates in Oxford, NC for senior drivers are $2,742 per year
  • The most expensive auto insurance company in Oxford for teen drivers is Allstate

Oxford, North Carolina auto insurance requirements are 30/60/25 according to North Carolina 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, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Oxford to other North Carolina cities, including Wilmington auto insurance rates, Charlotte auto insurance rates, and Greensboro auto insurance rates to see how Oxford, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Oxford, North Carolina

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

Minimum Required Auto Insurance Coverage in Oxford, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Oxford, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Oxford, North Carolina 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, North Carolina

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 $5,809 $5,809 $4,784 $4,784 $13,522 $13,522 $5,923 $5,923
GEICO $2,643 $2,595 $2,592 $2,547 $4,587 $4,548 $2,332 $2,319
Liberty Mutual $1,972 $1,972 $2,041 $2,041 $3,345 $3,345 $1,972 $1,972
Nationwide $2,632 $2,632 $2,632 $2,632 $4,326 $4,326 $2,632 $2,632
Progressive $1,963 $1,963 $1,753 $1,753 $4,378 $4,378 $2,198 $2,198
State Farm $2,907 $2,907 $2,512 $2,512 $4,268 $4,268 $3,596 $3,596
Travelers $2,928 $2,928 $2,904 $2,904 $4,765 $4,765 $3,006 $3,006

Cheap Oxford, North Carolina Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oxford, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,522 $13,522
GEICO $4,587 $4,548
Liberty Mutual $3,345 $3,345
Nationwide $4,326 $4,326
Progressive $4,378 $4,378
State Farm $4,268 $4,268
Travelers $4,765 $4,765

Cheap Oxford, North Carolina Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oxford, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,784 $4,784
GEICO $2,592 $2,547
Liberty Mutual $2,041 $2,041
Nationwide $2,632 $2,632
Progressive $1,753 $1,753
State Farm $2,512 $2,512
Travelers $2,904 $2,904

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

Annual Oxford, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,029 $7,160 $13,370 $5,479
GEICO $1,563 $2,348 $5,990 $2,180
Liberty Mutual $1,376 $1,777 $4,402 $1,777
Nationwide $1,780 $2,314 $5,812 $2,314
Progressive $1,192 $1,753 $5,647 $1,700
State Farm $1,799 $2,558 $6,369 $2,558
Travelers $2,002 $2,645 $6,354 $2,602

Cheap Oxford, North Carolina Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oxford, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $13,370
GEICO $5,990
Liberty Mutual $4,402
Nationwide $5,812
Progressive $5,647
State Farm $6,369
Travelers $6,354

Cheap Oxford, North Carolina Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oxford, North Carolina

Insurance Company Poor Fair Good
Allstate $10,199 $6,584 $5,746
GEICO $3,263 $3,005 $2,794
Liberty Mutual $2,333 $2,333 $2,333
Nationwide $3,055 $3,055 $3,055
Progressive $2,935 $2,512 $2,272
State Farm $4,673 $2,980 $2,310
Travelers $3,636 $3,303 $3,264

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Oxford, North Carolina Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oxford, North Carolina

ZIP Code Average Annual Rates
27565 $3,255

Cheap Oxford, North Carolina Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oxford, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,510 $7,510
GEICO $3,020 $3,020
Liberty Mutual $2,333 $2,333
Nationwide $3,055 $3,055
Progressive $2,573 $2,573
State Farm $3,292 $3,349
Travelers $3,401 $3,401

Cheap Oxford, North Carolina Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oxford, North Carolina

Insurance Company Low Medium High
Allstate $7,274 $7,487 $7,768
GEICO $2,892 $3,011 $3,158
Liberty Mutual $2,231 $2,320 $2,447
Nationwide $2,938 $3,043 $3,185
Progressive $2,455 $2,560 $2,704
State Farm $3,217 $3,307 $3,437
Travelers $3,273 $3,386 $3,544

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Oxford, North Carolina

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

Best Annual Auto Insurance Rates by Company in Oxford, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

The Cheapest Oxford, North Carolina Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oxford, North Carolina

Insurance Company Average Annual Rates
Allstate $7,510
GEICO $3,020
Liberty Mutual $2,333
Nationwide $3,055
Progressive $2,573
State Farm $3,321
Travelers $3,401

What affects auto insurance rates in Oxford, North Carolina?

There are a lot of reasons why auto insurance rates in Oxford, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Oxford, North Carolina. 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, North Carolina commute length is 22.9 minutes according to City-Data.

Oxford Traffic

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Oxford, North Carolina Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption