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How much is car insurance in Oxford?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Georgia is about $5 a month more expensive than it is in Oxford.
The average cost of insuring your vehicle in Oxford is above the national rate. The cost of insuring a vehicle in Oxford is about $20 more expensive than the average rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Oxford, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't worry, we've done the work for you and broken down the average rates for Oxford to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may creep back up a bit in Oxford.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This rings true in Oxford, where women pay around $16 less per month than men. As you can see in the table above, female drivers in the area typically pay $95 on average, while female drivers typically pay $111 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Oxford with a single accident will pay around $129 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $139.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$180|
|15 Years or Older||$94|
If you look at the first table above, the cheapest vehicles to insure in Oxford are typically cars, at $99 per month.
Truck and van drivers will see rates of about $106 to insure their vehicle, while SUV owners usually pay around $100 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Oxford, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Oxford can be as much as $29 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $14 a month more than those who own their own home in Oxford. But those who live at home with their parents can expect to pay significantly 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
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Oxford, car insurance rates increased steadily from 2017-2021. They finished down in 2022, at $70.
How does Oxford compare to neighboring areas?
Why are car insurance rates in Oxford different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Amount of drivers
- General road safety (how many accidents each locality has)
- Regional regulations
- Off-street parking availability
- Crime levels
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Oxford?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, 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 type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Oxford.
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Oxford Insurance FAQs
What factors affect car insurance quotes in Oxford?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Oxford different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Oxford?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Oxford or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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