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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Oxford after a DUI is American Family
  • Average car insurance rates in Oxford, OH for senior drivers are $1,476/year
  • The cheapest car insurance company in Oxford for teen drivers is USAA

Average car insurance rates in Oxford, Ohio are $239 a month. But with a little research you can get a great deal from the top car insurance companies in Oxford, OH. Before you buy Oxford, Ohio car insurance, make sure your coverage meets or exceeds the Ohio minimum of 25/50/25.

It may even be helpful to compare Oxford car insurance rates with Canton car insurance rates, Parma car insurance rates, or Akron car insurance rates to make sure you’re getting the best Oxford, OH car insurance quotes available.

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

Oxford, OH Minimum Car Insurance Coverage

Oxford, Ohio 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, Ohio

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, OH Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oxford, Ohio

Insurance Company Low Medium High
Allstate $3,141 $3,224 $3,324
American Family $1,623 $1,670 $1,679
Farmers $3,364 $3,499 $3,803
GEICO $1,770 $1,822 $1,897
Liberty Mutual $3,914 $4,083 $4,192
Nationwide $3,541 $3,096 $2,948
Progressive $3,704 $3,810 $4,005
State Farm $2,581 $2,724 $2,842
Travelers $3,077 $3,195 $3,192
USAA $1,327 $1,384 $1,445

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

Oxford, Ohio car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Oxford, OH 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, Ohio

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 $2,146 $2,134 $1,932 $2,065 $6,005 $6,889 $2,257 $2,412
American Family $1,004 $1,042 $927 $930 $3,258 $3,534 $1,247 $1,314
Farmers $1,870 $1,864 $1,647 $1,740 $8,360 $8,677 $2,097 $2,187
GEICO $1,310 $1,277 $1,239 $1,256 $3,562 $3,314 $1,453 $1,226
Liberty Mutual $1,880 $2,049 $1,446 $1,755 $9,958 $11,245 $1,993 $2,177
Nationwide $2,133 $2,144 $1,925 $1,939 $5,448 $7,025 $2,286 $2,660
Progressive $1,964 $1,847 $1,637 $1,691 $8,840 $9,947 $2,355 $2,435
State Farm $1,604 $1,604 $1,443 $1,443 $5,152 $6,455 $1,870 $2,153
Travelers $1,459 $1,481 $1,451 $1,441 $6,272 $9,870 $1,522 $1,740
USAA $842 $848 $800 $800 $2,580 $2,873 $1,123 $1,213

Oxford, OH Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Oxford, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,005 $6,889
American Family $3,258 $3,534
Farmers $8,360 $8,677
GEICO $3,562 $3,314
Liberty Mutual $9,958 $11,245
Nationwide $5,448 $7,025
Progressive $8,840 $9,947
State Farm $5,152 $6,455
Travelers $6,272 $9,870
USAA $2,580 $2,873

Oxford, OH Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Oxford, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,932 $2,065
American Family $927 $930
Farmers $1,647 $1,740
GEICO $1,239 $1,256
Liberty Mutual $1,446 $1,755
Nationwide $1,925 $1,939
Progressive $1,637 $1,691
State Farm $1,443 $1,443
Travelers $1,451 $1,441
USAA $800 $800

Oxford, OH Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Oxford, Ohio

Insurance Company Poor Fair Good
Allstate $4,146 $3,021 $2,523
American Family $2,202 $1,499 $1,270
Farmers $4,025 $3,402 $3,239
GEICO $2,193 $1,830 $1,466
Liberty Mutual $5,815 $3,573 $2,801
Nationwide $3,855 $3,106 $2,623
Progressive $4,305 $3,728 $3,486
State Farm $3,871 $2,392 $1,884
Travelers $3,529 $3,069 $2,866
USAA $1,798 $1,273 $1,085

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Oxford, OH Car Insurance Rates by Driver History

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

Annual Oxford, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,713 $3,276 $3,858 $3,072
American Family $1,586 $1,680 $1,680 $1,680
Farmers $2,929 $3,777 $3,683 $3,832
GEICO $1,236 $1,793 $2,617 $1,673
Liberty Mutual $3,413 $4,382 $4,473 $3,983
Nationwide $2,561 $3,257 $4,131 $2,831
Progressive $3,307 $4,510 $3,523 $4,019
State Farm $2,466 $2,966 $2,716 $2,716
Travelers $2,321 $3,028 $4,568 $2,702
USAA $1,066 $1,427 $1,867 $1,180

Oxford, OH Car Insurance Rates With a DUI

Even a single DUI can increase your Oxford, OH 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, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,858
American Family $1,680
Farmers $3,683
GEICO $2,617
Liberty Mutual $4,473
Nationwide $4,131
Progressive $3,523
State Farm $2,716
Travelers $4,568
USAA $1,867

Oxford, OH Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Oxford, OH 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, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,230 $3,230
American Family $1,636 $1,677
Farmers $3,555 $3,555
GEICO $1,800 $1,860
Liberty Mutual $4,063 $4,063
Nationwide $3,195 $3,195
Progressive $3,840 $3,840
State Farm $2,649 $2,783
Travelers $3,155 $3,155
USAA $1,333 $1,437

Oxford, OH Cheapest Car Insurance Rates

How do the top Oxford, Ohio car insurance companies’ average rates stack up against the Oxford average monthly car insurance rates of $239? Take a look and see.

Best Annual Car Insurance Rates by Company in Oxford, Ohio

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

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Oxford, OH Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Oxford, Ohio

Insurance Company Average Annual Rates
Allstate $3,230
American Family $1,657
Farmers $3,555
GEICO $1,830
Liberty Mutual $4,063
Nationwide $3,195
Progressive $3,840
State Farm $2,716
Travelers $3,155
USAA $1,385

Other Factors Affecting Oxford, OH Car Insurance Rates

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

Oxford, OH Car Theft Rates

The car theft rate in Oxford, OH will affect your car insurance rates. FBI data shows that the annual car theft rate for Oxford, Ohio is 13 stolen cars.

Oxford, OH Commute Time

How does your Oxford, OH commute time compare with the average driver? In Oxford, the average commute is 16.4 minutes.

Oxford, OH Traffic

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

Oxford, OH Car Insurance Quotes

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