Oxon Hill, MD Car Insurance

On average, Oxon Hill drivers pay a monthly average rate of around $126 for their car insurance. To learn more about car insurance rates in the Oxon Hill area, read our guide below.
How does Oxon Hill stack up to the rest of the area, or even Maryland as a whole? What should residents of Oxon Hill expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Oxon Hill?

Area Average Monthly Car Insurance Premium
Oxon Hill$126
MD$122
United States$81

Coverage for your vehicle in Oxon Hill will typically run you about $4 a month more than in the rest of Maryland.

Likewise, residents of Oxon Hill might expect to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Oxon Hill is about $45 more expensive than the average rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've broken down the average rates for Oxon Hill to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$156
25-34$147
35-44$118
45-54Not Enough Data
55-64$93
65+$75

Generally, the older you are, the more experienced you are on the roads, right? 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 two times as much as someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates begin to increase again once you hit retirement age in Oxon Hill.

Average Car Insurance Rates by Gender

Gender Average
Male$132
Female$116

Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Oxon Hill is around $16 per month. Based on the chart above, you can see that female drivers pay around $116 on average, while male drivers typically pay $132 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$168
Multiple Accidents$319
1 Ticket$302
Multiple Tickets$191

Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Oxon Hill with one accident will pay around $168 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $302.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$98
2-3 Years$129
4-5 Years$180
6-7 Years$106
8-10 Years$128
11-14 Years$122
15 Years or Older$111

The most affordable vehicles to insure in Oxon Hill are typically trucks and vans, which run about $98 per month.

Car owners can expect to pay an average of around $123 a month for their policy, while SUVs usually cost around $163 a month to insure.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Oxon Hill, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$129
Married$111
Divorced$100
Widowed$83

Generally, married policyholders will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

In Oxon Hill, the difference in rates based on relationship status can be as much as $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$101
Rent$132
Live with parents$178

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $31 a month more than if you own your own home in Oxon Hill. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Oxon Hill, MD

Recent trends in car insurance for Oxon Hill drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Insurance rates in Oxon Hill have been mixed recently. They dropped in 2017, rose in 2019, and decreased again in 2021, before finishing at $110 in 2022.

How does Oxon Hill compare to neighboring areas?

Why are car insurance rates in Oxon Hill different from other areas?

Car insurance companies look at several factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Laws
  • Prevalence of crime
  • Road Safety (frequency of local car accidents)
  • Amount of drivers in the community
  • Access to off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Oxon Hill?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Oxon Hill.

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Oxon Hill Insurance FAQs

What factors affect car insurance quotes in Oxon Hill?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Oxon Hill different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Oxon Hill?

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 Oxon Hill?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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 Oxon Hill 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?

Find your best rate in just a few minutes