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How much is car insurance in Oxford?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Oxford typically costs about $5 a month less than it does in the rest of Georgia.
Conversely, the expected monthly payments for an auto insurance policy in Oxford are above the national average. The cost of insuring a vehicle in Oxford is about $20 more expensive than the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Oxford, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've broken down average rates for Oxford to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Oxford Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $86 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Oxford may see their rates climb back up once they hit retirement.
Oxford Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Oxford is about $15 a month. Based on the chart above, you can see that male drivers pay $109 on average, while female drivers typically pay $94 each month.
Oxford Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Oxford, having a single accident on your record will usually get you rates around $130 a month. Likewise, drivers with one ticket will be looking at a rate of around $132 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Oxford Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$180|
|15 Years or Older||$93|
The cheapest vehicles to insure in Oxford are by and large cars, with each type typically costing about $98 per month.
SUV owners, on the other hand, typically pay around $100 per month, while truck and van drivers can expect to pay about $103 a month to insure their vehicle.
You may also see different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Oxford are vehicles less than one year old.
Oxford Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$107|
More often than not, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Oxford is about $27 a month, with married couples paying less for coverage than single drivers.
Oxford Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Oxford. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Oxford, GA
Recent trends in car insurance for Oxford drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Car insurance rates in Oxford increased steadily from 2017-2021. Rates finished down in 2022, at $79.
How does Oxford compare to neighboring areas?
Why are car insurance rates in Oxford different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of off-street parking
- Number of drivers
- Regional regulations
- Crime levels
- Road safety
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Oxford?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Oxford.
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Oxford Auto Insurance FAQs
What factors affect car insurance quotes in Oxford?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Oxford different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Oxford?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Oxford?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Oxford or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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