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Get Cheap Car Insurance in Oxford, TX
We monitor insurance prices, helping the average driver in Oxford save up to 34.2% 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 Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Oxford Insurer | Monthly Cost |
|---|---|
| Clearcover | $42 |
| Mile Auto | $55 |
| Progressive | $57 |
| State Farm | $61 |
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 $336 per year by choosing the right vehicle insurance company. Some Oxford residents are paying out over $1,633 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, TX Savings / Yr. |
|---|---|
$336 |
|
$769 |
|
$678 |
|
$777 |
|
$1,182 |
|
$446 |
|
$488 |
Oxford Car Insurance vs. Texas
People living in Oxford pay an average of 16.41% less than the typical driver in the state. The average driver in Oxford can expect to pay about $973 per year, or $1,633 for full coverage.
Based on our analysis, State Farm 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 $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,633 to a low of $1,633. Insurance prices tend to be higher for those living in the Central 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, State Farm is the best option, with annual savings of $336 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 $769 over the competition.
The best car insurance company for Oxford drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $678 better than other car insurance companies.
The best auto insurance for Oxford drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $777 less each year.
The least expensive car insurance company for new and young drivers in Oxford
In Oxford, State Farm costs young drivers $1,182 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 $446 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 State Farm for pricing. The average Oxford driver can expect to pay about $129 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, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.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 32 minutes, which is about the national average for a driver in the state.
- Texas 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 higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Oxford is one of the most densely populated areas 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 $81 per month for minimum coverage and $136 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
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- Llano: Insurance costs 1.65% less
- Valley Spring: Insurance costs 2.02% less
- Castell: Insurance costs 1.10% less
- Kingsland: Insurance costs 2.27% more
- Sunrise Beach Village: Insurance costs 1.29% less
- Loyal Valley: Insurance costs 0.24% less
- Buchanan Dam: Insurance costs 1.71% less
- Highland Haven: Insurance costs 2.08% less
- Granite Shoals: Insurance costs 1.47% less
Cities with Similar Populations
- Rush: Insurance costs 7.78% more
- Little York: Insurance costs 28.17% less
- Lodi: Insurance costs 0.98% more
- London: Insurance costs 10.59% less
- Loraine: Insurance costs 3.25% more
- Lords Valley: Insurance costs 13.90% less
- Lorella: Insurance costs 16.53% less
- Loring Air Force Base: Insurance costs 44.64% less
- Lost Creek: Insurance costs 18.86% less
- Lost Valley: Insurance costs 30.74% more