Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Oxford, FL
We monitor insurance prices, helping the average driver in Oxford save up to 34.6% 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 Geico, followed by State Farm, Gainsco, and Bristol West.
| Oxford Insurer | Monthly Cost |
|---|---|
| Geico | $115 |
| State Farm | $122 |
| Gainsco | $159 |
| Bristol West | $159 |
Savings for Every Kind of Oxford Driver
Based on our extensive insurance data, we know the average Oxford driver will save about 29% 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 $703 per year by choosing the right vehicle insurance company. Some Oxford residents are paying out over $2,404 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, FL Savings / Yr. |
|---|---|
$703 |
|
$1,033 |
|
$794 |
|
$786 |
|
$2,498 |
|
$682 |
|
$995 |
Oxford Car Insurance vs. Florida
People living in Oxford pay an average of 9.00% less than the typical driver in the state. The average driver in Oxford can expect to pay about $2,195 per year, or $2,404 for full coverage.
Based on our analysis, Geico 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 $264 per year within the city boundaries, with insurance premiums ranging from a high of $2,520 to a low of $2,256. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East 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, Geico is the best option, with annual savings of $703 over the average Oxford car insurance company.
The best car insurance provider for Oxford drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,033 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 $794 better than other car insurance companies.
The best auto insurance for Oxford drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $786 less each year.
The least expensive car insurance company for new and young drivers in Oxford
In Oxford, Geico costs young drivers $2,498 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oxford
Geico gave the largest car insurance discounts to married couples, averaging $682 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
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Oxford, which was better than other insurers.
The cheapest large national provider in Oxford
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Oxford driver can expect to pay about $156 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 good drivers, drivers with accidents, and drivers with speeding tickets.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 27 minutes, which is far less than average for a driver in the state.
- Florida 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 about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Oxford has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Oxford is $183 per month for minimum coverage and $200 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
- Pedro: Insurance costs 0.62% less
- The Villages: Insurance costs 1.62% less
- Royal: Insurance costs 1.21% less
- Summerfield: Insurance costs 0.33% less
- Wildwood: Insurance costs 1.21% more
- Lady Lake: Insurance costs 1.58% less
- Weirsdale: Insurance costs 2.16% more
- Belleview: Insurance costs 0.33% less
- Fruitland Park: Insurance costs 0.92% more
- Panacoochee Retreats: Insurance costs 0.87% less
Cities with Similar Populations
- Kiln: Insurance costs 28.41% less
- Laie: Insurance costs 42.39% less
- Kunkletown: Insurance costs 40.43% less
- Kountze: Insurance costs 30.66% less
- Kirtland: Insurance costs 54.49% less
- Kirtland: Insurance costs 38.81% less
- Kingston: Insurance costs 27.08% less
- Kingsford: Insurance costs 13.89% more
- Kingfisher: Insurance costs 31.24% less
- Lake City: Insurance costs 15.18% more