Compare Oxford, NC Car Insurance Rates (2021)

Car insurance in Oxford, NC averages $300 a month. Oxford, North Carolina car insurance requirements are 30/60/25, 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, NC.

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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, NC after a DUI are $6,849/year
  • The cheapest car insurance company in Oxford for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Oxford is Liberty Mutual

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

You’ll find Oxford car insurance rates, the cheapest Oxford, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Oxford, North Carolina car insurance rates to Raleigh car insurance rates, Concord car insurance rates, and High Point car insurance rates.

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

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

How do age, gender, and marital status affect Oxford, NC car insurance rates? Every Oxford, North Carolina 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, North Carolina

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 $5,809 $5,809 $4,784 $4,784 $13,522 $13,522 $5,923 $5,923
GEICO $2,643 $2,595 $2,592 $2,547 $4,587 $4,548 $2,332 $2,319
Liberty Mutual $1,972 $1,972 $2,041 $2,041 $3,345 $3,345 $1,972 $1,972
Nationwide $2,632 $2,632 $2,632 $2,632 $4,326 $4,326 $2,632 $2,632
Progressive $1,963 $1,963 $1,753 $1,753 $4,378 $4,378 $2,198 $2,198
State Farm $2,907 $2,907 $2,512 $2,512 $4,268 $4,268 $3,596 $3,596
Travelers $2,928 $2,928 $2,904 $2,904 $4,765 $4,765 $3,006 $3,006

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Minimum Car Insurance in Oxford, NC

Every driver must carry the minimum car insurance in Oxford, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Oxford, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Oxford, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oxford, NC. 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, North Carolina

Insurance Company Poor Fair Good
Allstate $10,199 $6,584 $5,746
GEICO $3,263 $3,005 $2,794
Liberty Mutual $2,333 $2,333 $2,333
Nationwide $3,055 $3,055 $3,055
Progressive $2,935 $2,512 $2,272
State Farm $4,673 $2,980 $2,310
Travelers $3,636 $3,303 $3,264

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

Annual Oxford, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,029 $7,160 $13,370 $5,479
GEICO $1,563 $2,348 $5,990 $2,180
Liberty Mutual $1,376 $1,777 $4,402 $1,777
Nationwide $1,780 $2,314 $5,812 $2,314
Progressive $1,192 $1,753 $5,647 $1,700
State Farm $1,799 $2,558 $6,369 $2,558
Travelers $2,002 $2,645 $6,354 $2,602

Cheapest Oxford, NC Car Insurance for Teen Drivers

Teen car insurance in Oxford, NC 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, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,522 $13,522
GEICO $4,587 $4,548
Liberty Mutual $3,345 $3,345
Nationwide $4,326 $4,326
Progressive $4,378 $4,378
State Farm $4,268 $4,268
Travelers $4,765 $4,765

Cheapest Oxford, NC Car Insurance for Seniors

Take a look at Oxford, NC 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, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,784 $4,784
GEICO $2,592 $2,547
Liberty Mutual $2,041 $2,041
Nationwide $2,632 $2,632
Progressive $1,753 $1,753
State Farm $2,512 $2,512
Travelers $2,904 $2,904

Cheapest Oxford, NC Car Insurance Rates After a DUI

A DUI in Oxford, NC increases car insurance rates. Compare Oxford, North Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oxford, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $13,370
GEICO $5,990
Liberty Mutual $4,402
Nationwide $5,812
Progressive $5,647
State Farm $6,369
Travelers $6,354

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Cheapest Oxford, NC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oxford, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,510 $7,510
GEICO $3,020 $3,020
Liberty Mutual $2,333 $2,333
Nationwide $3,055 $3,055
Progressive $2,573 $2,573
State Farm $3,292 $3,349
Travelers $3,401 $3,401

The Best Cheap Car Insurance Companies in Oxford, NC

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

Average Annual Car Insurance Rates by Company in Oxford, North Carolina

Insurance Company Average Annual Rates
Allstate $7,510
GEICO $3,020
Liberty Mutual $2,333
Nationwide $3,055
Progressive $2,573
State Farm $3,321
Travelers $3,401

Category Winners: Cheapest Car Insurance in Oxford, North Carolina

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

Best Annual Car Insurance Rates by Company in Oxford, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

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

Annual Car Insurance Rates by Coverage Level in Oxford, North Carolina

Insurance Company Low Medium High
Allstate $7,274 $7,487 $7,768
GEICO $2,892 $3,011 $3,158
Liberty Mutual $2,231 $2,320 $2,447
Nationwide $2,938 $3,043 $3,185
Progressive $2,455 $2,560 $2,704
State Farm $3,217 $3,307 $3,437
Travelers $3,273 $3,386 $3,544

What affects car insurance rates in Oxford, North Carolina?

What factors can have an impact on Oxford, NC 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, North Carolina.

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, NC is 22.9 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, NC traffic data from INRIX ranks Oxford as the 771st-most congested in the world.

Compare Car Insurance Quotes in Oxford, NC

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

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