Oxon Hill, MD Car Insurance

The average cost for car insurance in Oxon Hill is about $129 a month. To learn more about policy rates and coverage in the Oxon Hill area, continue reading our guide below.
How do rates in Oxon Hill measure up compared to neighboring areas, including Maryland as a whole? What rates can residents of Oxon Hill expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Oxon Hill?

Area Average Monthly Car Insurance Premium
Oxon Hill$129
MD$120
United States$80

Car insurance policies in Oxon Hill are about $9 a month more expensive than the rest of Maryland.

If you're considering relocating to Oxon Hill from out of state, you may want to budget a little extra for your insurance. The average monthly payment in Oxon Hill is about $49 more expensive than the rate for the rest of the U.S.

While these are the average costs to insure your vehicle in Oxon Hill, keep in mind that you could end up paying a different amount. 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 your policy's monthly price.

We've analyzed the average rate for Oxon Hill and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$158
25-34$153
35-44$117
45-54Not Enough Data
55-64$93
65+$75

The more time you've spent on the road, the more experience you have. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement age in Oxon Hill.

Average Car Insurance Rates by Gender

Gender Average
Male$135
Female$117

In general, car insurance rates for women are usually cheaper than they are for men. In Oxon Hill, the difference is around $18 per month. As illustrated in the table above, female drivers in the area pay about $117 on average, while male drivers pay around $135 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$177
Multiple Accidents$331
1 Ticket$443
Multiple Tickets$257

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Oxon Hill with a single accident on their record will usually see rates around $177 a month. Likewise, drivers with one ticket will be looking at a rate of around $443 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$104
2-3 Years$130
4-5 Years$182
6-7 Years$110
8-10 Years$127
11-14 Years$123
15 Years or Older$112

If you look at the first table above, the cheapest vehicles to insure in Oxon Hill are usually trucks and vans, at $105 per month.

Car owners, on the other hand, typically pay around $123 a month, while SUV drivers can expect to pay about $174 per month for insurance.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Oxon Hill, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$133
Married$109
Divorced$100
Widowed$83

Generally speaking, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Oxon Hill reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$102
Rent$136
Live with parents$178

One other element taken into consideration is your living accommodations. If you rent your home or apartment in Oxon Hill, expect to pay around $34 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Oxon Hill, MD

Recent trends in car insurance for Oxon Hill drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Oxon Hill, the rates for auto insurance went up from 2016-2018, when they hit a low of $109. This shifted in 2019, when car insurance rates started to rise. They reached a high of $169 in 2020, and finished down in 2021, at $114 a month.

How does Oxon Hill compare to neighboring areas?

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

Car insurance companies will take into account numerous factors when they're choosing how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Area crime rates
  • Rate of car accidents
  • Regional laws
  • Amount of drivers
  • Off-street parking access

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing 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 Oxon Hill?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. 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 bulk of the car insurance companies offering auto coverage in Oxon Hill.

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Oxon Hill Insurance FAQs

What factors affect car insurance quotes in Oxon Hill?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control 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?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Oxon Hill?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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