Compare Oxford, IN Car Insurance Rates (2021)

Car insurance in Oxford, IN averages $269 a month. Oxford, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oxford car insurance rates, compare quotes from the top car insurance companies in Oxford, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Oxford for teen drivers is USAA
  • The cheapest car insurance company in Oxford is USAA
  • Average car insurance rates in Oxford, IN after a DUI are $3,815/year

If you need to buy Oxford, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Oxford, IN is right here.

You’ll find Oxford car insurance rates, the cheapest Oxford, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Oxford, Indiana car insurance rates to Carmel car insurance rates, Indianapolis car insurance rates, and Hammond car insurance rates.

Ready to find affordable Oxford, IN car insurance today? Enter your ZIP code for fast, free Oxford car insurance quotes.

Cheapest Oxford, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Oxford, IN car insurance rates? Every Oxford, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oxford, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,451 $2,511 $2,151 $2,351 $7,561 $9,512 $2,491 $2,712
American Family $2,182 $2,182 $1,962 $1,962 $5,984 $8,674 $2,182 $2,690
Farmers $1,484 $1,466 $1,270 $1,427 $7,948 $8,484 $1,955 $2,111
GEICO $1,272 $1,259 $1,188 $1,223 $3,676 $3,421 $1,450 $1,283
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,569 $1,608 $1,376 $1,472 $4,497 $5,856 $1,833 $2,008
Progressive $1,766 $1,673 $1,599 $1,609 $10,404 $11,722 $2,219 $2,267
State Farm $1,426 $1,426 $1,261 $1,261 $4,170 $5,361 $1,572 $1,746
Travelers $1,240 $1,263 $1,160 $1,160 $7,609 $12,033 $1,309 $1,522
USAA $973 $961 $903 $913 $2,679 $3,002 $1,317 $1,414

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Minimum Car Insurance in Oxford, IN

Every driver must carry the minimum car insurance in Oxford, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Oxford, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Oxford, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oxford, IN. Compare credit history car insurance rates in Oxford from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Oxford, Indiana

Insurance Company Poor Fair Good
Allstate $4,916 $3,662 $3,324
American Family $4,755 $3,090 $2,588
Farmers $3,813 $3,110 $2,881
GEICO $2,218 $1,846 $1,475
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $2,876 $2,432 $2,274
Progressive $4,585 $4,059 $3,827
State Farm $3,318 $1,980 $1,535
Travelers $3,802 $3,218 $3,216
USAA $2,052 $1,352 $1,157

Cheapest Oxford, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Oxford, IN to rates for a clean record with top companies.

Annual Oxford, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,160 $4,646 $4,294 $3,770
American Family $2,396 $3,826 $4,834 $2,854
Farmers $2,922 $3,412 $3,511 $3,226
GEICO $1,217 $1,915 $2,570 $1,684
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,173 $2,802 $2,687 $2,448
Progressive $3,108 $5,471 $3,713 $4,336
State Farm $2,227 $2,430 $2,227 $2,227
Travelers $2,896 $3,582 $4,061 $3,109
USAA $1,150 $1,632 $1,872 $1,426

Cheapest Oxford, IN Car Insurance for Teen Drivers

Teen car insurance in Oxford, IN can be expensive. Take a look at rates from the top car insurance companies in Oxford for teenagers.

Annual Car Insurance Rates for Teen Drivers in Oxford, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,561 $9,512
American Family $5,984 $8,674
Farmers $7,948 $8,484
GEICO $3,676 $3,421
Liberty Mutual $8,754 $13,230
Nationwide $4,497 $5,856
Progressive $10,404 $11,722
State Farm $4,170 $5,361
Travelers $7,609 $12,033
USAA $2,679 $3,002

Cheapest Oxford, IN Car Insurance for Seniors

Take a look at Oxford, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Oxford, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,151 $2,351
American Family $1,962 $1,962
Farmers $1,270 $1,427
GEICO $1,188 $1,223
Liberty Mutual $3,662 $3,662
Nationwide $1,376 $1,472
Progressive $1,599 $1,609
State Farm $1,261 $1,261
Travelers $1,160 $1,160
USAA $903 $913

Cheapest Oxford, IN Car Insurance Rates After a DUI

A DUI in Oxford, IN increases car insurance rates. Compare Oxford, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oxford, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,294
American Family $4,834
Farmers $3,511
GEICO $2,570
Liberty Mutual $8,386
Nationwide $2,687
Progressive $3,713
State Farm $2,227
Travelers $4,061
USAA $1,872

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Cheapest Oxford, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Oxford, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Oxford, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,967 $3,967
American Family $3,436 $3,519
Farmers $3,268 $3,268
GEICO $1,815 $1,878
Liberty Mutual $5,687 $5,998
Nationwide $2,527 $2,527
Progressive $4,157 $4,157
State Farm $2,212 $2,343
Travelers $3,412 $3,412
USAA $1,500 $1,541

The Best Cheap Car Insurance Companies in Oxford, IN

Take a look at a side-by-side comparison of the top car insurance companies in Oxford, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Oxford, Indiana

Insurance Company Average Annual Rates
Allstate $3,967
American Family $3,477
Farmers $3,268
GEICO $1,847
Liberty Mutual $5,842
Nationwide $2,527
Progressive $4,157
State Farm $2,278
Travelers $3,412
USAA $1,520

Category Winners: Cheapest Car Insurance in Oxford, Indiana

Find the cheapest car insurance companies in Oxford, IN for each category right here.

Best Annual Car Insurance Rates by Company in Oxford, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Oxford, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Oxford car insurance rates. Find the cheapest Oxford, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oxford, Indiana

Insurance Company Low Medium High
Allstate $3,791 $3,953 $4,157
American Family $3,445 $3,593 $3,394
Farmers $3,156 $3,261 $3,387
GEICO $1,739 $1,840 $1,960
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $2,571 $2,506 $2,505
Progressive $3,918 $4,090 $4,463
State Farm $2,177 $2,276 $2,379
Travelers $3,341 $3,444 $3,451
USAA $1,469 $1,517 $1,575

What affects car insurance rates in Oxford, Indiana?

What factors can have an impact on Oxford, IN car insurance? There are several reasons why Oxford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oxford, Indiana.

Commute Time in Oxford

The more time you spend in your car the higher the risk of an accident. The average commute length in Oxford, IN is 25.2 minutes according to City-Data.

Traffic in Oxford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Oxford, IN traffic data from INRIX ranks Oxford as the 771st-most congested in the world.

Compare Car Insurance Quotes in Oxford, IN

Ready to find affordable Oxford, Indiana car insurance today? Enter your ZIP code for fast, free Oxford, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State