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Get Cheap Car Insurance in Oxford, CO
We monitor insurance prices, helping the average driver in Oxford save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Oxford
The chart below shows the cheapest car insurance company in Oxford for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.
| Oxford Insurer | Monthly Cost |
|---|---|
| State Farm | $59 |
| Bristol West | $70 |
| Safeco Insurance | $71 |
| Geico | $73 |
Savings for Every Kind of Oxford Driver
Based on our extensive insurance data, we know the average Oxford driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $372 per year by choosing the right vehicle insurance company. Some Oxford residents are paying out over $1,736 extra every year for auto insurance in Oxford. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oxford, CO Savings / Yr. |
|---|---|
$372 |
|
$663 |
|
$534 |
|
$571 |
|
$1,689 |
|
$447 |
|
$655 |
Oxford Car Insurance vs. Colorado
People living in Oxford pay an average of 8.13% less than the typical driver in the state. The average driver in Oxford can expect to pay about $1,014 per year, or $1,736 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Oxford for most people.
Car Insurance Prices by Oxford Neighborhood
Insurance Prices
Where is insurance cheapest within Oxford?
The map shows insurance prices in and around Oxford, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $50 per year within the city boundaries, with insurance premiums ranging from a high of $1,775 to a low of $1,725. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Oxford.Pick the Best Car Insurance Company for You in Oxford
The best car insurance provider for most drivers in Oxford
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $372 over the average Oxford car insurance company.
The best car insurance provider for Oxford drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $663 over the competition.
The best car insurance company for Oxford drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $534 better than other car insurance companies.
The best auto insurance for Oxford drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $571 less each year.
The least expensive car insurance company for new and young drivers in Oxford
In Oxford, State Farm costs young drivers $1,689 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oxford
State Farm gave the largest car insurance discounts to married couples, averaging $447 saved each year compared to an average Oxford couple's premiums.
The cheapest car insurance in Oxford for drivers with bad credit
The best Oxford car insurance company for customer service
Recent price drops
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The cheapest large national provider in Oxford
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Oxford driver can expect to pay about $128 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Oxford, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.Auto Insurance Prices in and Around Oxford
What Influences the Cost of Car Insurance in Oxford?
On average, car insurance in Oxford is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Oxford is 29 minutes, which is a little less than average for a driver in the state.
- Colorado state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Oxford are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Oxford is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Oxford is $85 per month for minimum coverage and $145 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Gem Village: Insurance costs 0.86% more
- Durango: Insurance costs 1.27% more
- Ignacio: Insurance costs 1.73% more
- Bayfield: Insurance costs 1.15% more
- Trimble: Insurance costs 2.53% more
- Vallecito: Insurance costs 2.19% more
- Marvel: Insurance costs 1.04% more
- Hesperus: Insurance costs 1.44% more
- Kline: Insurance costs 2.59% more
- Piedra: Insurance costs 4.55% more
Cities with Similar Populations
- Buckeye Lake: Insurance costs 35.14% less
- Sullivan: Insurance costs 34.91% less
- Upper Lake: Insurance costs 6.57% more
- Walterhill: Insurance costs 21.20% less
- Jeffersonville: Insurance costs 2.82% more
- Hudson: Insurance costs 21.49% less
- Hiram: Insurance costs 36.52% less
- Hickory Grove: Insurance costs 27.71% less
- Hatch: Insurance costs 23.04% less
- Glenwood City: Insurance costs 31.62% less