Buy Cheap Oxford, AL Auto Insurance (2021)

Oxford, AL auto insurance rates average $301 a month. Minimum auto insurance requirements in Oxford, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Oxford, AL, compare Oxford auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Oxford after a DUI is Liberty Mutual
  • Average auto insurance rates in Oxford, AL are $301/month
  • Average auto insurance rates in Oxford, AL for teens drivers are $7,398/year

Finding affordable Oxford, Alabama auto insurance can be challenging, but everything you need to know to buy cheap Oxford, AL auto insurance with confidence is right here. Auto insurance rates in Oxford are affected by local factors as well as personal ones like your driving record.

See how Oxford, AL car insurance rates compare to Birmingham auto insurance rates, Hoover auto insurance rates, and Decatur auto insurance rates before you read more about the cost of auto insurance in Oxford.

Don’t buy Oxford, AL auto insurance until you’ve compared rates. Get free Oxford, Alabama auto insurance quotes when you enter your ZIP code above.

Oxford, AL Minimum Auto Insurance Requirements

The required auto insurance in Oxford, AL is 25/50/25 according to the auto insurance laws in Alabama. The minimum auto insurance in Oxford, Alabama is outlined here.

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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Find Cheap Oxford, AL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Oxford, AL. Take a look at Oxford, Alabama auto insurance rates by credit history.

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

Buy Cheap Oxford, AL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Oxford, Alabama auto insurance rates? Find out how car insurance rates in Oxford, AL are impacted by demographics.

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

Buy Cheap Oxford, AL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Oxford can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Oxford, AL are listed here.

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

Buy Cheap Oxford, AL Auto Insurance for Seniors

You can save on senior auto insurance rates in Oxford, Alabama by comparing Oxford senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Oxford, AL here.

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

Find Cheap Auto Insurance Rates in Oxford, AL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Oxford, Alabama auto insurance. Compare Oxford, AL 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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Find Cheap Oxford, AL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Oxford. Compare auto insurance rates in Oxford, AL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Oxford, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Oxford, AL Auto Insurance Rates by Driving Record

Auto insurance rates in Oxford, Alabama are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Oxford, AL, take a look at the average cost for various violations versus rates for a clean driving record in Oxford.

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

Find Cheap Oxford, AL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Oxford, Alabama is higher than for a clean driving record. You can buy auto insurance after a DUI in Oxford for less when you shop around and compare rates from multiple Oxford, AL auto insurance companies.

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

Winners by Category: Where to Buy Cheap Auto Insurance in Oxford, AL

Compare rates from the cheapest auto insurance companies in Oxford, AL for your needs. Take a look at how Oxford, Alabama auto insurance companies stack up for each category.

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

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Find Cheap Oxford, Alabama Auto Insurance Companies

If you’re looking for the cheapest Oxford, AL auto insurance companies overall, you can compare them here. Find the best price for Oxford, Alabama car insurance by company.

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 Oxford, Alabama auto insurance rates?

Local factors affect auto insurance rates in Oxford, AL, including traffic, theft statistics, and commute length. Take a look at the things that impact Oxford auto insurance rates.

Auto Theft in Oxford

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Oxford, AL auto theft show a total of 30 vehicle thefts annually.

Commute Times in Oxford

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Oxford, AL is 23.0 minutes according to City-Data.

Traffic in Oxford

How is traffic in Oxford, Alabama? Inrix data shows that Oxford, AL traffic makes it the 771st-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Oxford, AL

You can buy cheap Oxford, AL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Oxford, Alabama auto insurance quotes from top companies.

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