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Get Cheap Car Insurance in Oxford, MD
We monitor insurance prices, helping the average driver in Oxford save up to 26.9% 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 Erie Insurance, Travelers, and Safeco Insurance.
| Oxford Insurer | Monthly Cost |
|---|---|
| State Farm | $81 |
| Erie Insurance | $82 |
| Travelers | $94 |
| Safeco Insurance | $97 |
Savings for Every Kind of Oxford Driver
Based on our extensive insurance data, we know the average Oxford driver will save about 19% 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 $326 per year by choosing the right vehicle insurance company. Some Oxford residents are paying out over $1,749 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, MD Savings / Yr. |
|---|---|
$326 |
|
$306 |
|
$356 |
|
$574 |
|
$1,103 |
|
$197 |
|
$771 |
Oxford Car Insurance vs. Maryland
People living in Oxford pay an average of 5.64% less than the typical driver in the state. The average driver in Oxford can expect to pay about $1,192 per year, or $1,749 for full coverage.
Based on our analysis, MetLife 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 $84 per year within the city boundaries, with insurance premiums ranging from a high of $1,791 to a low of $1,707. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central 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, MetLife is the best option, with annual savings of $326 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 $306 over the competition.
The best car insurance company for Oxford drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $356 better than other car insurance companies.
The best auto insurance for Oxford drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $574 less each year.
The least expensive car insurance company for new and young drivers in Oxford
In Oxford, Erie Insurance costs young drivers $1,103 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 $197 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 Geico for pricing. The average Oxford driver can expect to pay about $133 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 a DUI conviction, drivers with bad credit, drivers with accidents, married couples, drivers with speeding tickets, young drivers, and good drivers.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 42 minutes, which is about the national average for a driver in the state.
- Maryland 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 among the highest 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 C+ according to CrimeGrade.org.
- Oxford is a fairly densely populated area 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 $99 per month for minimum coverage and $146 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
- Royal Oak: Insurance costs 1.20% more
- Trappe: Insurance costs 2.97% more
- Kirkham: Insurance costs 4.06% more
- Ivytown: Insurance costs 4.12% more
- Easton: Insurance costs 3.54% more
- Lloyds: Insurance costs 0.11% less
- St. Michaels: Insurance costs 3.60% more
- Neavitt: Insurance costs 2.52% more
- Cornersville: Insurance costs 0.51% less
- Unionville: Insurance costs 2.23% more
Cities with Similar Populations
- Bloomdale: Insurance costs 39.97% less
- Cloverport: Insurance costs 20.13% more
- Clarence: Insurance costs 28.07% less
- Chilchinbito: Insurance costs 0.23% less
- Carney: Insurance costs 2.80% less
- Carl: Insurance costs 4.35% more
- Bradford Woods: Insurance costs 22.13% less
- Blessing: Insurance costs 7.83% less
- Benton: Insurance costs 34.93% less
- Barrackville: Insurance costs 18.58% less