Oxford Auto Insurance Review [2024]

Oxford Auto Insurance is a brokerage that operates in Illinois and focuses on standard and nonstandard car insurance policies. While costs vary by company, Oxford insurance rates start as low as $23 per month.

Continue reading this Oxford car insurance review to compare customer and financial ratings, to learn about the companies that Oxford Auto Insurance represents, and to determine if this brokerage can offer you affordable car insurance quotes.

After learning about Oxford Auto Insurance, find the best coverage for you by entering your ZIP code into our free rate tool above and comparing quotes from some of the top active companies in your region.

Oxford Auto Insurance Monthly Rates vs U.S. Average

How much does Oxford Auto Insurance car insurance cost on average?

The average car insurance rates or savings amounts from Oxford Auto Insurance are not publicly disclosed. But the website mentions that quotes from partner companies may start as low as $23 per month or $276 annually.

If you compare quotes through this company, consider comparing your results to the average cost of Illinois car insurance. According to the Insurance Information Institute (III), Illinois’ average annual car insurance expenditure was $916.49 in 2018.

For high-risk drivers, the website also states that you may save up to 25% on your car insurance — using Oxford Auto Insurance — even if you have an unfavorable driving record or poor credit.

This brokerage works with small and larger companies, like Progressive car insurance company and Founders Insurance Company. Therefore, your overall costs depend on the insurance company that you end up selecting.

Discovering the Range of Coverage Options With Oxford Auto Insurance

Choosing the right car insurance coverage is a critical decision for every driver. Oxford Auto Insurance understands that one size doesn’t fit all when it comes to protecting your vehicle and financial well-being. That’s why they offer a variety of coverage options tailored to your specific requirements. Here are the coverage choices you can expect when you turn to Oxford Auto Insurance for your car insurance needs:

• Liability coverage: This is the foundation of most auto insurance policies and provides coverage for bodily injury and property damage you may cause to others in an at-fault accident.
• Comprehensive coverage: Protect your vehicle from non-collision incidents, such as theft, vandalism, or damage from natural disasters.
• Collision coverage: Covers the cost of repairs to your own vehicle in the event of an accident, regardless of fault.
• Uninsured/underinsured motorist coverage: If you’re involved in an accident with a driver who has little or no insurance, this coverage ensures you’re protected.
• Medical payments coverage: Help cover medical expenses for you and your passengers in the event of an accident, regardless of fault.
• Personal injury protection (PIP): Provides a broader range of medical and financial protection in case of an accident, including lost wages and essential services.
• Rideshare insurance: If you drive for a ridesharing service like Uber or Lyft, Oxford Auto Insurance offers specialized coverage to protect you while you’re working.
• SR-22 insurance: If you’ve had violations or accidents on your record, Oxford Auto Insurance can assist you in obtaining the necessary SR-22 form to reinstate your driving privileges.
• Roadside assistance: Oxford Auto Insurance offers roadside assistance services, including towing and emergency services, to keep you on the road with peace of mind.

At Oxford Auto Insurance, you have the freedom to tailor your car insurance to your unique circumstances and needs. With a wide range of coverage options, including standard and non-standard policies, they are committed to ensuring that you and your vehicle are protected, no matter what the road may bring. Choose the coverage that suits you best, and drive with confidence knowing Oxford Auto Insurance has you covered.

Does Oxford Auto Insurance provide any car insurance discounts?

Car insurance can be a significant expense, but Oxford Auto Insurance is committed to making it more affordable for their customers. They provide a range of discounts to help you save on your premiums while still enjoying comprehensive coverage.

These discounts are designed to reward safe driving habits, responsible behavior, and other factors that can reduce your risk as a policyholder. Here are the discounts you can take advantage of when you choose Oxford Auto Insurance.

• Multi-policy discount: Bundle your auto insurance with other insurance policies, such as home or renters insurance, and receive a discount on both.
• Safe driver discount: Maintain a clean driving record with no accidents or violations, and you can qualify for this discount, rewarding your responsible driving habits.
• Good student discount: If you’re a student with good grades, you can benefit from lower premiums, encouraging academic excellence.
• Defensive driving course discount: Completing an approved defensive driving course can lead to discounts on your insurance, as it demonstrates your commitment to safe driving.
• Anti-theft device discount: Installing anti-theft devices in your vehicle can make it less susceptible to theft and earn you a discount on your insurance.
• Pay-in-full discount: Pay your annual premium in one lump sum instead of monthly payments, and receive a discount on your overall premium.
• Low mileage discount: If you drive fewer miles than the average driver, you may qualify for a low mileage discount, as it reduces your risk of accidents.
• Military discount: Active or retired military personnel may be eligible for special discounts to honor their service.

Saving on car insurance doesn’t mean compromising on coverage. Oxford Auto Insurance provides an array of discounts to help you reduce your premiums while ensuring that you have the protection you need on the road.

Whether it’s through safe driving, academic achievements, or other responsible choices, Oxford Auto Insurance rewards its policyholders for making choices that lower their insurance risk. With these discounts, you can drive with confidence, knowing you’re getting the best value for your insurance coverage.

Ease of Filing a Claim

Oxford Auto Insurance offers multiple convenient options for filing claims, ensuring a streamlined experience for their customers. Claims can be filed through the company’s website, over the phone, or via their mobile app. This flexibility allows policyholders to choose the method that best suits their preferences and circumstances, making the claims process hassle-free and accessible.

Average Claim Processing Time

The average claim processing time with Oxford Auto Insurance is not publicly disclosed. Customers may contact the respective insurance companies, with whom Oxford Auto Insurance partners, to inquire about specific claim processing times. However, Oxford Auto Insurance strives to ensure prompt and efficient claim handling, aiming to provide a smooth experience for policyholders during the claims process.

Customer Feedback on Claim Resolutions and Payouts

Feedback from Oxford Auto Insurance customers indicates a high level of satisfaction with claim resolutions and payouts. The company boasts a remarkable 98% customer satisfaction rating, reflecting the effectiveness and fairness of their claims resolution process.

Customers appreciate the company’s commitment to addressing claims promptly and to their satisfaction, contributing to a positive overall experience with Oxford Auto Insurance.

Mobile App Features and Functionality

Oxford Auto Insurance offers a user-friendly mobile app that enables policyholders to manage their insurance policies efficiently on the go. The app provides features such as policy information access, premium payment options, claims tracking, and document uploads. This mobile app enhances customer convenience by putting essential insurance services at their fingertips, enhancing the overall digital experience.

Online Account Management Capabilities

The company’s online account management capabilities empower policyholders to manage their policies, access important documents, and update their information online. Through a secure online portal, customers can view policy details, monitor payment history, and make necessary changes to their policies.

This digital accessibility ensures policyholders have easy and convenient access to their insurance information whenever they need it.

Digital Tools and Resources

In addition to their mobile app and online account management portal, Oxford Auto Insurance provides various digital tools and resources to assist policyholders. These tools may include calculators to estimate premiums, educational resources about insurance coverage, and interactive platforms for policy comparison.

Such digital assets enable customers to make informed decisions and navigate their insurance coverage effectively, enhancing their overall digital experience with Oxford Auto Insurance.

What are the Oxford Auto Insurance ratings and reviews?

Analyzing Oxford Auto Insurance’s financial ratings and customer reviews can help you determine the company’s reliability before providing any of your personal information.

According to the website, ​​Oxford car insurance reviews from real users are overwhelmingly positive. It boasts a 98% customer satisfaction rating.

However, it is unclear as to how the company collected and analyzed the customer experience to attain such a high number.

Oxford Auto Insurance is accredited by the Better Business Bureau (BBB) and currently has an A+ rating. This indicates that the BBB believes Oxford Auto Insurance interacts positively with its customers.

This company is licensed in Illinois. However, Oxford Auto Insurance has not been rated by the leading credit rating agencies, including A.M. Best. Consider these customer experiences and financial evaluations while you shop around for your best car insurance policy.

What is the history of Oxford Auto Insurance?

According to the website, Oxford Auto Insurance has helped Illinois drivers find affordable car insurance for over 65 years.

However, not much is known about the origins of this company. Today, the company has over 45 physical offices across Illinois equipped with licensed brokers to help Chicagoland drivers secure affordable auto insurance coverage. (For more information, read our “What does a car insurance broker do?“).

But you can also compare rideshare and motorcycle insurance policies or purchase roadside assistance services.

Oxford Auto Insurance is currently contracted with 15 different car insurance companies, including Progressive, American Access Casualty Company, and American Heartland.

What is Oxford Auto Insurance?

Despite sounding like a car insurance company, Oxford Auto Insurance is a regionally-specific insurance brokerage that compares quotes on behalf of consumers from over 15 different companies.

This company has 45 brick-and-mortar locations across Illinois that customers may visit for personalized support to secure affordable car insurance in the Chicagoland region. However, you can also use the “quote and buy now” feature on the company website to secure coverage at any time.

You can purchase traditional coverage and rideshare insurance from one of the partner companies by comparing Oxford Auto Insurance quotes. But Oxford Auto Insurance also specializes in comparing nonstandard, high-risk car insurance for drivers with tickets, multiple accidents on their record, poor credit, or those in need of SR-22 Insurance.

You can also purchase roadside assistance through Oxford Auto Insurance with services from Metro Motor Club. Rates start as low as $8 per month (or $102 per year) with a $14 down payment.

Since it isn’t an insurance company, how does Oxford Auto Insurance earn money?

If you purchase a policy offered to you by Oxford Auto Insurance brokers, the company charges various fees. Additional details are provided in the table below.

Oxford Auto Car Insurance Fees

Although you’ll be using a separate company for coverage, you can submit Oxford car insurance payments on the company website through the payment lookup portal. Alternatively, users can download the mobile app and create an ​​Oxford car insurance login to submit payments and access additional policy information.

Oxford Auto Insurance customer service representatives handle most of your customer service needs.

But if you need to file a claim, you must call the appropriate phone number associated with whatever company you select for coverage. Those numbers are available on the Oxford Auto Insurance website.

How do you get Oxford Auto Insurance car insurance quotes?

Oxford Auto Insurance does not underwrite any car insurance policies. Instead, when you request Oxford insurance quotes, you’ll receive rates from the 15 companies that Oxford partners with.

The table below lists the auto insurance companies that Oxford Auto Insurance is contracted with and provides the corresponding customer service phone numbers.

Oxford Auto Partner Companies

If you utilize Oxford Auto Insurance to compare car insurance quotes, you could receive rates from any of the various companies listed above. To compare Oxford insurance quotes, you can visit the company website and use one of the available online quote tools.

Read more:

• American Freedom Insurance Company Car Insurance Review
• Apollo Casualty Company Car Insurance Review

For face-to-face assistance, you may travel to one of the physical office locations throughout Illinois.

You may also call the ​​Oxford Auto Insurance phone number at 312-260-9000 to speak directly with a customer service representative.

Oxford Auto Insurance: The Bottom Line

Oxford Auto Insurance is a brokerage, not a car insurance company. If you live in Illinois, Oxford Auto Insurance quickly compares quotes from 15 different insurance companies to help you locate the most affordable coverage.

While this company charges fees if you purchase one of its offered policies, those fees are typical for insurance brokerages and do not exceed $85. High-risk drivers, people with poor credit, and those in need of SR-22 coverage may benefit from using Oxford Auto Insurance.

However, safe drivers and people with clean driving records might consider exploring additional car insurance companies that are not contracted with Oxford Auto Insurance, such as Geico, Allstate, Nationwide, or State Farm.

Now that you’ve finished reading Oxford’s car insurance review, find the right coverage for you by entering your ZIP code into our free quote tool below to compare rates from some of the best active companies near you.