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Finding the cheapest car insurance quotes in Oxford shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Oxford
The car insurance rate in Oxford is $1280 for a six-month policy, which is $61 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $617, making it a popular choice for budget-conscious drivers. Rates in Oxford can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $617 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: Kemper
Kemper offers auto
insurance rates at $768 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $891
for six months, making it
the third cheapest auto insurance company in Oxford.
Oxford Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Oxford, CT is Travelers, offering policies at just $617 for a six-month term. This is followed by Kemper, which has an average six-month premium of $768.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3038 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oxford drivers find the best deals.
The auto insurance costs in Oxford fall around $617 for six
months.
The cheapest auto insurance company in Oxford is Travelers.
Teen drivers pay the highest rate in Oxford at $1154 per
month.
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Cheapest Minimum Liability Car Insurance in Oxford
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Oxford are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Oxford. Their Average 6 Month Premium is $293.
Hanover is the most
expensive at $1328 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Oxford is Travelers
at $105 per month and $617
for six months.
Cheapest Full Coverage Car Insurance Quotes in Oxford,
CT
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Oxford, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Oxford, Connecticut, may be increasing due to several external factors.
Connecticut has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Oxford's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Oxford
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Oxford,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Oxford at $65
per
month. At $6923 for a six-month premium,
Travelers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Oxford.
As young drivers face the highest rates in Oxford, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Oxford,
Kemper is
the cheapest car insurance provider. At $443 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Oxford is Amica, offering
rates of around $4216 for six
months.
Save up to $971/yr on car insurance rates in Oxford.
Car Insurance Rates with An Accident in Oxford
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Oxford, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Oxford
The cheapest car insurance companies after an at-fault accident in
Oxford include Amica Mutual
and Kemper, offering $543
and $568,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3587.
Here is a list of driving violations that can increase your car
insurance rates in Oxford CT. For example, the car
insurance in Oxford
after a DUI increases to $1989 for a six
month policy. While the rate increases by $261 for a six-month policy in the case of
a speeding ticket.
Oxford auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1273
$212
One Med/PIP claim
$1273
$216
Not-at-fault accident
$1316
$219
Two Med/PIP claims
$1322
$225
One comp claim
$1341
$224
Two comp claims
$1422
$242
Driving without lights
$1478
$247
Failure to wear a seat belt
$1497
$254
Child safety restraint
$1515
$253
Failure to show documents
$1521
$258
Speeding 6 - 10 MPH over limit
$1534
$256
Driving with expired registration
$1540
$261
Speeding 11 - 15 MPH over limit
$1540
$257
Speeding 16 - 20 MPH over limit
$1540
$261
Cell phone violation
$1547
$258
Texting while driving
$1547
$263
Driving too slowly
$1553
$259
Failure to stop at a red light
$1553
$264
Failure to yield
$1553
$259
Following too closely
$1553
$264
Illegal turn
$1553
$259
Improper passing
$1559
$266
Wrong way/wrong lane
$1559
$260
Speeding in school zone
$1566
$267
Speeding 21 - 25 MPH over limit
$1584
$264
At-fault accident - less than $1000
$1603
$273
In 65 MPH zone
$1665
$277
Operating a vehicle without permission
$1721
$293
Open container
$1815
$302
At-fault accident - $1000-$2000
$1990
$338
At-fault accident - greater than $2000
$1990
$332
Passing school bus
$2327
$396
Reckless driving
$3063
$510
Racing
$3156
$537
Driving with a suspended license
$3180
$530
Refusal to submit to a chemical test
$3206
$545
DUI
$3262
$544
Leaving scene of an accident/hit and run
$3318
$564
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Oxford after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Oxford.
The cheapest car insurance premiums in
Oxford are
offered by Kemper at $692 for a six-month policy.
However, it can be as
expensive as $18480 with companies
like Hanover.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Oxford are offered by Nationwide
at $431. However,
it can be as expensive as $2015
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Oxford after Speeding ticket
Car insurance rates in Oxford have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Oxford rose by
$250 in December
compared to $246 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Oxford rose to $90 in December,
compared to $87 in November.
This represents an increase of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Oxford. At $2559 for a
six-month policy, insuring
your car at 6478 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Oxford?
The car insurance in Oxford is $49 per month, which is lower than the national average.
What is the cheapest car insurance in Oxford?
The cheapest car insurance in Oxford
is $105 per month
for full coverage.
How much is car insurance in Oxford for teenagers?
Car insurance for teenagers costs $386 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Oxford?
The average cost of car insurance is $1219 for a six-month
policy. It will cost around $215 per month to insure your
car in Oxford.
Is car insurance expensive in Oxford?
Car insurance can be expensive in Oxford if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Oxford can be
affordable.
What is the best car insurance in Oxford,
CT?
The best car insurance company in Oxford
CT is
Travelers, offering $617 for a
six-month policy.
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Oxford Car Insurance
