Cheapest Car Insurance Quotes in Oxford

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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Oxford Car Insurance

^$ 48

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 $1369 for a six-month policy, which is $316 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, 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.

Avg. Car Insurance in Oxford

$1369

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Oxford

1st place: Country Financial

At $486 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $641 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $943 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, GA is Country Financial, offering policies at just $486 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $641.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2201 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.

Cheap Car Insurance Companies in Oxford, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$486	$81
Auto-Owners Insurance Co	$641	$109
Georgia Farm Bureau	$943	$157
Farm Bureau	$1035	$176
Auto-Owners	$1452	$244
USAA	$1452	$244
Progressive	$1498	$252
Mercury	$1730	$294
Allstate	$1768	$298
Esurance P&C Ins Co	$1862	$316
State Farm	$2201	$371

Key Takeaways

Way's key takeaways about car insurance in Oxford

The auto insurance costs in Oxford fall around $486 for six months.
The cheapest auto insurance company in Oxford is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Oxford at $1320 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Oxford. Their Average 6 Month Premium is $286. State Farm is the most expensive at $1011 for the same period.

Cheapest Liability Coverage in Oxford, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$286	$48
Georgia Farm Bureau	$386	$65
Farm Bureau	$425	$73
Mercury	$463	$78
Auto-Owners	$478	$81
Country Financial	$494	$83
USAA	$533	$90
Progressive	$541	$91
Central Insurance	$602	$103
Allstate	$872	$146
State Farm	$1011	$170

Cheapest Full Coverage Car Insurance in Oxford

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 Country Financial at $81 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oxford, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$486	$81
Auto-Owners Insurance Co	$641	$109
Georgia Farm Bureau	$943	$157
Farm Bureau	$1035	$176
Auto-Owners	$1452	$244
USAA	$1452	$244
Progressive	$1498	$252
Mercury	$1730	$294
Allstate	$1768	$298
Esurance P&C Ins Co	$1862	$316
State Farm	$2201	$371

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Oxford Instantly!

Average Car Insurance in Oxford by Rating Factor

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, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Oxford, Georgia, may be increasing due to several external factors. Georgia 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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Oxford,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Oxford at $68 per month. At $7838 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$410	$68
Mercury	$486	$83
Country Financial	$580	$98
Central Insurance	$602	$103
USAA	$2401	$404
Georgia Farm Bureau	$2618	$445
Auto-Owners	$2779	$468
Farm Bureau	$3328	$566
Allstate	$6146	$1024
Progressive	$7838	$1320
State Farm	$7838	$1320

Teen Car Insurance Rates in GA by Age

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, Country Financial is the cheapest car insurance provider. At $402 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 Allstate, offering rates of around $3289 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$402	$66
Mercury	$471	$81
Farm Bureau	$1035	$173
Progressive	$1962	$334
USAA	$2093	$348
Auto-Owners	$3814	$649
State Farm	$8418	$1403
Allstate	$3289	$549

Escape the Trap of Rising Insurance Costs.

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, GA, 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 AutoOwners Insurance Co and Country Financial, offering $425 and $657, respectively. State Farm is an expensive provider with an average six-month premium of $2695.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$425	$70
Country Financial	$657	$111
Encompass	$725	$121
Central Insurance	$796	$135
Farm Bureau	$1135	$190
Georgia Farm Bureau	$1158	$198
Auto-Owners	$1282	$216
USAA	$1305	$220
Progressive	$1862	$313
Allstate	$2464	$419
State Farm	$2695	$454

Oxford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oxford GA. For example, the car insurance in Oxford after a DUI increases to $1406 for a six month policy. While the rate increases by $441 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	$1652	$276
One Med/PIP claim	$1652	$281
One comp claim	$1660	$277
Two Med/PIP claims	$1660	$282
Not-at-fault accident	$1668	$278
Two comp claims	$1691	$287
Driving without lights	$1993	$332
Failure to wear a seat belt	$1993	$339
Child safety restraint	$2015	$335
Failure to show documents	$2015	$343
Cell phone violation	$2062	$343
Texting while driving	$2062	$351
Driving too slowly	$2093	$348
Speeding 6 - 10 MPH over limit	$2093	$356
Speeding in school zone	$2093	$348
Speeding 11 - 15 MPH over limit	$2101	$358
Driving with expired registration	$2109	$351
Failure to yield	$2109	$359
Following too closely	$2109	$351
Illegal turn	$2109	$359
Failure to stop at a red light	$2116	$352
Improper passing	$2116	$360
Speeding 16 - 20 MPH over limit	$2116	$352
Wrong way/wrong lane	$2116	$360
Speeding 21 - 25 MPH over limit	$2139	$356
Passing school bus	$2178	$371
In 65 MPH zone	$2185	$364
Open container	$2217	$377
At-fault accident - less than $1000	$2224	$371
Operating a vehicle without permission	$2254	$384
At-fault accident - $1000-$2000	$2425	$404
At-fault accident - greater than $2000	$2440	$415
Refusal to submit to a chemical test	$2857	$476
Reckless driving	$2942	$501
Racing	$3012	$502
Driving with a suspended license	$3020	$514
DUI	$3058	$510
Leaving scene of an accident/hit and run	$3136	$533

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Mercury at $494 for a six-month policy. However, it can be as expensive as $2503 with companies like State Farm.

Oxford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$494	$85
Auto-Owners Insurance Co	$641	$107
Country Financial	$696	$117
Esurance P&C Ins Co	$958	$160
Allstate	$1576	$268
Auto-Owners	$1723	$290
Georgia Farm Bureau	$1862	$316
Progressive	$1868	$315
USAA	$1899	$320
Farm Bureau	$2015	$335
State Farm	$2503	$421

Cheapest car insurance after a speeding ticket

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 AutoOwners Insurance Co at $332. However, it can be as expensive as $2224 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oxford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$332	$56
Country Financial	$363	$61
Mercury	$517	$86
Farm Bureau	$1135	$192
USAA	$1429	$238
Auto-Owners	$1468	$250
Progressive	$1544	$257
State Farm	$2363	$402
Allstate	$2224	$371

Car Insurance Price Trends in Oxford, Georgia

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 dipped by $278 in January compared to $293 of December. In other words, there has been an decrease by $15 when you compare January and December.

The average cost of liability insurance in the Oxford dipped to $92 in January, compared to $94 in December. This represents an decrease of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Oxford?

The car insurance in Oxford is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Oxford?

The cheapest car insurance in Oxford is $81 per month for full coverage.

How much is car insurance in Oxford for teenagers?

Car insurance for teenagers costs $410 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 $1053 for a six-month policy. It will cost around $230 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.

Cheapest Car Insurance Quotes in Oxford

Why you can trust Way?

How Much Is Car Insurance in Oxford

Avg. Car Insurance in Oxford

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Oxford

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Oxford Car Insurance Rates by Company

Cheap Car Insurance Companies in Oxford, GA

Way's key takeaways about car insurance in Oxford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oxford

Cheapest Liability Coverage in Oxford, GA

Cheapest Full Coverage Car Insurance in Oxford

Cheapest Full Coverage Car Insurance Quotes in Oxford, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oxford by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oxford, GA increasing?

Car Insurance Premiums by Age in Oxford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oxford,GA

If you are in your twenties N/A is the best choice for car insurance in Oxford.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Oxford

Cheapest Car Insurance Companies after an At-Fault Accident in Oxford

Oxford Car Insurance Rates by Violation

Oxford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oxford after a DUI

Oxford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oxford after Speeding ticket

Car Insurance Price Trends in Oxford, Georgia

Average Car Insurance Cost in Oxford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oxford, GA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources