Best Oxford, AL Car Insurance in 2024
Car insurance in Oxford, AL averages $301 a month. Oxford, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oxford car insurance rates, compare quotes from the top car insurance companies in Oxford, AL.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Oxford is USAA
- The cheapest car insurance company in Oxford for teen drivers is USAA
- Average car insurance rates in Oxford, AL after a DUI are $4,116/year
If you need to buy Oxford, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Oxford, AL is right here.
You’ll find Oxford car insurance rates, the cheapest Oxford, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Oxford, Alabama car insurance rates to Montgomery car insurance rates, Dothan car insurance rates, and Birmingham car insurance rates.
Ready to find affordable Oxford, AL car insurance today? Enter your ZIP code for fast, free Oxford car insurance quotes.
Cheapest Oxford, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Oxford, AL car insurance rates? Every Oxford, Alabama car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Oxford, AL
Every driver must carry the minimum car insurance required by the state in Oxford, AL. Take a look at the Alabama car insurance requirements.
| 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 |
Cheapest Oxford, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Oxford, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Oxford from top companies for good, fair, and poor credit.
| 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 |
Cheapest Oxford, AL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Oxford, AL to rates for a clean record with top companies.
| 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 |
Cheapest Oxford, AL Car Insurance for Teen Drivers
Teen car insurance in Oxford, AL can be expensive. Take a look at rates from the top car insurance companies in Oxford for teenagers.
| 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 |
Cheapest Oxford, AL Car Insurance for Seniors
Take a look at Oxford, AL rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Oxford, AL Car Insurance Rates After a DUI
A DUI in Oxford, AL increases car insurance rates. Compare Oxford, Alabama car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car 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 |
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Cheapest Oxford, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Oxford, AL by commute? Take a look at a comparison of the top companies by commute length.
| 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 |
The Best Cheap Car Insurance Companies in Oxford, AL
Take a look at a side-by-side comparison of the top car insurance companies in Oxford, AL to find the best option for your needs.
| 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 |
Category Winners: Cheapest Car Insurance in Oxford, Alabama
Find the cheapest car insurance companies in Oxford, AL for each category right here.
| 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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Cheapest Oxford, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Oxford car insurance rates. Find the cheapest Oxford, AL car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Oxford, Alabama?
What are the factors that affect car insurance rates in Oxford, AL? There are several reasons why Oxford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oxford, Alabama.
Car Theft in Oxford
High levels of vehicle theft can make car insurance more expensive. Oxford, AL car theft statistics from the FBI indicate 30 vehicle thefts a year.
Commute Time in Oxford
The more time you spend in your car the higher the risk of an accident. The average commute length in Oxford, AL is 23.0 minutes according to City-Data.
Traffic in Oxford
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Oxford, AL traffic data from INRIX ranks Oxford as the 771st-most congested in the world.
Compare Car Insurance Quotes in Oxford, AL
Ready to find affordable Oxford, Alabama car insurance today? Enter your ZIP code for fast, free Oxford, AL car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance quotes in Oxford, AL?
To compare car insurance quotes in Oxford, AL, you can follow these steps:
- Gather necessary information about your vehicle, such as make, model, and year.
- Prepare your personal information, including driver’s license number and driving history.
- Research reputable insurance companies that offer coverage in Oxford, AL.
- Visit the websites of these companies or use online insurance comparison tools.
- Provide accurate information and request quotes from multiple insurers.
- Review the coverage options, deductibles, and premiums offered by each company.
- Consider factors like customer reviews, financial stability, and customer service reputation.
- Choose the insurance policy that best suits your needs and budget.
What factors influence car insurance rates in Oxford, AL?
Several factors can influence car insurance rates in Oxford, AL, including:
- Your age, gender, and marital status
- Your driving record and claims history
- The type of vehicle you drive and its safety features
- Your annual mileage and usage patterns
- Your credit history
- Your ZIP code and location in Oxford, AL
- The coverage limits and deductibles you choose
Are there any specific car insurance requirements in Oxford, AL?
In Oxford, AL, drivers must meet the minimum car insurance requirements set by the state of Alabama. These requirements include:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
What additional coverage options should I consider in Oxford, AL?
While meeting the minimum requirements is mandatory, there are additional coverage options you may want to consider for enhanced protection in Oxford, AL. These can include:
- Collision coverage: Covers damage to your vehicle caused by a collision, regardless of fault.
- Comprehensive coverage: Provides coverage for non-collision incidents like theft, vandalism, or natural disasters.
- Medical payments coverage: Pays for medical expenses for you and your passengers in case of an accident.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with an uninsured or underinsured driver.
- Rental car reimbursement: Helps cover the cost of a rental car while your vehicle is being repaired after an accident.
- Roadside assistance: Provides assistance in case of breakdowns, flat tires, or other roadside emergencies.
How can I lower my car insurance premiums in Oxford, AL?
To potentially lower your car insurance premiums in Oxford, AL, consider the following:
- Maintain a clean driving record and avoid accidents or traffic violations.
- Bundle your car insurance with other policies, such as homeowners or renters insurance.
- Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or good student discounts.
- Consider raising your deductibles, but make sure you can afford the out-of-pocket costs if needed.
- Install safety features in your vehicle, such as anti-theft devices or anti-lock brakes.
- Shop around and compare quotes from different insurance companies to ensure you’re getting the best rate.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
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.