Compare Oxford, MI Car Insurance Rates (2021)

Car insurance in Oxford, MI averages $863 a month. Oxford, Michigan car insurance requirements are 20/40/10, 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, MI.

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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

  • Average car insurance rates in Oxford, MI after a DUI are $17,422/year
  • Average car insurance rates in Oxford, MI are $10,356/year
  • The cheapest car insurance company in Oxford for teen drivers is USAA

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

You’ll find Oxford car insurance rates, the cheapest Oxford, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Oxford, Michigan car insurance rates to Grand Rapids car insurance rates, Livonia car insurance rates, and Flint car insurance rates.

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

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

How do age, gender, and marital status affect Oxford, MI car insurance rates? Every Oxford, Michigan 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, Michigan

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 $17,277 $17,277 $16,012 $16,012 $43,702 $43,702 $18,216 $18,216
Farmers $4,278 $4,278 $3,984 $3,984 $10,004 $10,004 $4,826 $4,826
GEICO $5,123 $5,123 $5,255 $5,255 $14,238 $14,238 $4,883 $4,883
Liberty Mutual $14,993 $14,993 $14,847 $14,847 $34,903 $34,903 $14,993 $14,993
Nationwide $4,815 $4,815 $4,278 $4,278 $13,013 $13,013 $5,298 $5,298
Progressive $3,253 $3,001 $2,876 $3,226 $12,077 $12,833 $3,782 $3,459
State Farm $7,182 $7,182 $6,666 $6,666 $25,421 $25,421 $8,449 $8,449
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,881 $2,715 $2,710 $2,545 $7,199 $6,821 $3,516 $3,356

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Minimum Car Insurance in Oxford, MI

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

Minimum Required Car Insurance Coverage in Oxford, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Oxford, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oxford, MI. 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, Michigan

Insurance Company Poor Fair Good
Allstate $36,036 $19,989 $15,380
Farmers $7,525 $5,085 $4,708
GEICO $9,499 $6,968 $5,658
Liberty Mutual $31,535 $18,213 $10,055
Nationwide $8,590 $6,472 $5,490
Progressive $6,421 $5,406 $4,863
State Farm $19,347 $9,791 $6,651
Travelers $8,206 $7,958 $7,858
USAA $5,953 $3,385 $2,566

Cheapest Oxford, MI 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, MI to rates for a clean record with top companies.

Annual Oxford, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,518 $15,386 $52,112 $16,191
Farmers $4,838 $6,191 $6,100 $5,961
GEICO $2,540 $5,477 $16,726 $4,757
Liberty Mutual $13,654 $16,711 $31,697 $17,675
Nationwide $5,850 $7,853 $7,107 $6,593
Progressive $4,702 $6,210 $5,573 $5,769
State Farm $7,521 $9,055 $19,788 $11,355
Travelers $5,416 $7,736 $12,473 $6,404
USAA $3,184 $3,991 $5,224 $3,473

Cheapest Oxford, MI Car Insurance for Teen Drivers

Teen car insurance in Oxford, MI 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, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,702 $43,702
Farmers $10,004 $10,004
GEICO $14,238 $14,238
Liberty Mutual $34,903 $34,903
Nationwide $13,013 $13,013
Progressive $12,077 $12,833
State Farm $25,421 $25,421
Travelers $16,180 $16,180
USAA $7,199 $6,821

Cheapest Oxford, MI Car Insurance for Seniors

Take a look at Oxford, MI 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, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,012 $16,012
Farmers $3,984 $3,984
GEICO $5,255 $5,255
Liberty Mutual $14,847 $14,847
Nationwide $4,278 $4,278
Progressive $2,876 $3,226
State Farm $6,666 $6,666
Travelers $4,626 $4,626
USAA $2,710 $2,545

Cheapest Oxford, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oxford, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $52,112
Farmers $6,100
GEICO $16,726
Liberty Mutual $31,697
Nationwide $7,107
Progressive $5,573
State Farm $19,788
Travelers $12,473
USAA $5,224

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Cheapest Oxford, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oxford, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $23,802 $23,802
Farmers $5,773 $5,773
GEICO $7,208 $7,542
Liberty Mutual $19,257 $20,611
Nationwide $6,851 $6,851
Progressive $5,563 $5,563
State Farm $11,616 $12,243
Travelers $7,961 $8,053
USAA $3,922 $4,013

Cheapest Oxford, MI Car Insurance Rates by ZIP Code

Oxford car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Oxford, MI.

Annual Car Insurance Rates by ZIP Code in Oxford, Michigan

ZIP Code Average Annual Rates
48370 $7,485
48371 $7,154

The Best Cheap Car Insurance Companies in Oxford, MI

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

Average Annual Car Insurance Rates by Company in Oxford, Michigan

Insurance Company Average Annual Rates
Allstate $23,802
Farmers $5,773
GEICO $7,375
Liberty Mutual $19,934
Nationwide $6,851
Progressive $5,563
State Farm $11,930
Travelers $8,007
USAA $3,968

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Category Winners: Cheapest Car Insurance in Oxford, Michigan

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

Best Annual Car Insurance Rates by Company in Oxford, Michigan

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

Cheapest Oxford, MI 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, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oxford, Michigan

Insurance Company Low Medium High
Allstate $23,146 $23,860 $24,400
Farmers $5,622 $5,760 $5,936
GEICO $6,878 $7,305 $7,942
Liberty Mutual $19,475 $19,890 $20,437
Nationwide $7,153 $6,739 $6,660
Progressive $5,374 $5,571 $5,745
State Farm $11,365 $11,999 $12,425
Travelers $7,920 $8,016 $8,086
USAA $3,855 $3,977 $4,072

What affects car insurance rates in Oxford, Michigan?

What factors can have an impact on Oxford, MI 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, Michigan.

Car Theft in Oxford

High levels of vehicle theft can make car insurance more expensive. Oxford, MI car theft statistics from the FBI indicate 0 vehicle thefts a year.

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, MI is 26.2 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, MI traffic data from INRIX ranks Oxford as the 771st-most congested in the world.

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Compare Car Insurance Quotes in Oxford, MI

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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