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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The annual number of car thefts in Oxford is 30.
  • The cheapest car insurance company in Oxford for teen drivers is USAA
  • Average car insurance rates in Oxford, AL are $301/month

Average car insurance rates in Oxford, Alabama are $301 a month. But with a little research you can get a great deal from the top car insurance companies in Oxford, AL. Before you buy Oxford, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Oxford car insurance rates with Huntsville car insurance rates, Hoover car insurance rates, or Montgomery car insurance rates to make sure you’re getting the best Oxford, AL car insurance quotes available.

Need affordable Oxford, AL car insurance? Enter your ZIP code to compare Oxford car insurance quotes from multiple car insurance companies near you.

Oxford, AL Minimum Car Insurance Coverage

Oxford, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Oxford, AL Car Insurance Rates by Coverage Level

Some Oxford drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Oxford, Alabama car insurance rates may be based on the coverage you need.

Annual Car 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

Oxford, AL Car Insurance Rates by Age, Gender, and Marital Status

Oxford, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Oxford, AL car insurance, get quotes from multiple car insurance companies in the Oxford area and see how these criteria affect your rates.

Annual Car 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

Oxford, AL Car Insurance Rates for Teens

How much is Oxford, Alabama car insurance for teens? Compare rates from top Oxford car insurance companies below to help find the cheapest teen car insurance in Oxford, AL.

Annual Car 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

Oxford, AL Car Insurance Rates for Seniors

Before seniors buy Oxford, Alabama car insurance, they should make sure to shop around. Some Oxford, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Oxford, AL Car Insurance Rates by Credit History

How does your credit history affect Oxford, AL car insurance rates? Review the numbers here to find out.

Annual Car 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

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Oxford, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Oxford, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Oxford.

Annual Oxford, Alabama Car 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

Oxford, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Oxford, AL car insurance rates. Compare rates below to see which Oxford car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Oxford, Alabama

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

Oxford, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Oxford, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Oxford companies based on commute time.

Annual Car 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

Oxford, AL Cheapest Car Insurance Rates

How do the top Oxford, Alabama car insurance companies’ average rates stack up against the Oxford average monthly car insurance rates of $301? Take a look and see.

Best Annual Car 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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Oxford, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Oxford, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Oxford, AL Car Insurance Rates

Before you buy Oxford, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Oxford, AL Car Theft Rates

The car theft rate in Oxford, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Oxford, Alabama is 30 stolen cars.

Oxford, AL Commute Time

How does your Oxford, AL commute time compare with the average driver? In Oxford, the average commute is 23.0 minutes.

Oxford, AL Traffic

Spending time in Oxford traffic can lead to higher car insurance rates. According to INRIX data, Oxford, AL ranks as the 771st-most congested with traffic in the world.

Oxford, AL Car Insurance Quotes

Compare Oxford, AL car insurance quotes from multiple companies by entering your ZIP code now.