Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 28, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The Short of It

  • Oxford Auto Insurance is based in Illinois and provides affordable car insurance options
  • Besides auto insurance, Oxford offers a wide selection of additional insurance coverages
  • Oxford Auto has limited reviews online but provides helpful policies that are easy to get

If you’re exploring the top auto insurance companies, you may be feeling overwhelmed by the numerous brands and coverage options. If you’re considering local companies that lack the significant media presence of national corporations, you may be even more unsure of what to trust. We’ve got you covered. With impartial company reviews and free and easy auto insurance quotes, we’ll help you make an informed decision. Today we’re looking at Oxford Auto Insurance Company.

Based in Chicago, Oxford Auto Insurance provides a series of low-cost coverage options to drivers across Illinois. In this review, we take a look at Oxford’s car insurance policies, the company’s financial ratings, and customer reviews so that you can understand all your options.

Oxford Auto Insurance Coverage

Auto insurance coverage exists in several forms. There is the state minimum liability insurance that all drivers must possess, along with many options for extensive coverage. 

Oxford Insurance provides affordable coverage options to drivers in Illinois. It compares the competitive rates of up to 15 companies to offer you the best quote possible. 

Oxford Auto provides four types of vehicle coverage:

  • Basic liability. These plans cover losses resulting from injuries you cause another person.
  • Collision. This type of policy covers the costs of repairs or replacements resulting from a collision with another object. 
  • Comprehensive. These plans cover damage to your vehicle not caused by a collision. Causes of losses covered by a comprehensive plan include theft, vandalism, weather, and falling objects.
  • Medical payments. This plan helps to pay for any medical bills you have due to an insured accident.

Oxford Auto Insurance policies include low down payments so that you can use your plan immediately. With Oxford Auto, you can purchase car insurance online, and many programs offer same-day, instant proof of insurance. 

Oxford Auto provides affordable policies. Monthly payments for state-required liability insurance start at $23 a month. 

Tow truck insurance is included in all of Oxford’s auto insurance plans. 

Oxford Auto Insurance coverage is available to drivers of both business and personal-use vehicles. Policies are available in six and 12-month options at more than 40 locations around Chicago. 

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Oxford Auto Insurance: Additional Types of Coverage

Besides automotive insurance, Oxford Auto provides coverage options for motorcycle owners, rideshare drivers, homeowners, and renters, as well as affordable SR-22 insurance. 

Oxford Auto Motorcycle Insurance

Oxford Auto Insurance Company provides motorcycle insurance to riders in Illinois. The insurance coverage options include:

  • Bodily injury liability. This coverage pays for the costs of injuries you cause another person.
  • Collision. This plan covers the repair or replacement costs for damages sustained during a collision with an object.
  • Comprehensive. This type of insurance pays for damage not caused by a collision.
  • Medical payments. Also known as personal injury protection (PIP), this insurance helps pay medical bills resulting from a covered accident.
  • Property damage liability. This plan will pay for damages you cause to the property of others.
  • Underinsured motorist. These plans pay for damages caused by an accident involving a driver that doesn’t have enough insurance to cover your losses.
  • Uninsured motorist. This coverage pays the costs of damages caused by an uninsured driver.

Oxford Auto Insurance compares rates from up to 15 different companies to provide you with the most affordable option for motorcycle coverage.

Oxford Auto Rideshare Insurance

Oxford Auto’s rideshare insurance coverage is available if you drive for Uber or Lyft in the state of Illinois. These plans are designed to protect you from any gaps in coverage in your primary automobile insurance policy. 

Rideshare insurance plans are sold as add-ons to existing Oxford Auto Insurance policies.

Oxford Auto Homeowners and Renters Insurance

Oxford Auto Insurance provides homeowners and renters insurance in Illinois. Policies come in a wide variety of forms and are customizable. 

These plans are available by speaking with an agent, and quotes are based on Oxford Auto’s comparison of up to 15 different insurance companies to provide you with the best rate. 

Oxford Auto SR-22 Insurance

SR-22 insurance is a special form that proves you have automotive insurance. Some state governments require it for people that have been involved in major accidents, have a DUI or DWI, have been given high speeding tickets, or have been caught driving without insurance. 

Oxford Auto Insurance offers a cheap option for SR-22 insurance. This plan is available online for high-risk drivers. The approval process is quick, and you can generally use your insurance on the same day, much to a potential customer’s peace of mind.

Oxford Auto Insurance Ratings and Reviews

As you search for the right auto insurance policy, it’s essential to consider the company’s financial ratings and its customer reviews. 

Oxford Auto Insurance Company Financial Ratings

Financial ratings are third-party, unbiased assessments of an insurance company’s ability to meet its financial obligations. These ratings can give you valuable insight into the company’s financial credibility. 

Oxford Auto Insurance Company is not rated by any of the country’s major financial rating agencies.

Oxford Auto Insurance Customer Reviews

Along with financial ratings, customer reviews are an excellent source of information when choosing an insurance company. Oxford Auto does not have many reviews online.

Oxford Auto Insurance Company is Better Business Bureau (BBB) accredited and currently holds an A+ rating based on customer complaints and information. There is only one customer review for Oxford Auto on BBB, which is negative. The customer cites inaccurate policy pricing as the reason for their poor review.

There are very few reviews of Oxford Auto elsewhere online. The company has two negative reviews on Yelp, which both report poor customer service. On WalletHub, however, Oxford Auto Insurance has been reviewed more favorably. It has a 4/5-star rating based on 46 customer reviews, although no customer comments are attached to the reviews here. 

What is Oxford Auto Insurance Company?

Oxford Auto Insurance Company has been providing auto insurance to the residents of Illinois for over 65 years. The company currently has more than 40 locations across the state. You can purchase insurance online by calling and speaking to an agent or by walking into any of the 40 physical locations. 

Oxford Auto Insurance compares rates from 15 different insurance companies to generate the cheapest rates possible. The company claims a 90% customer satisfaction rate. 

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Oxford Auto Insurance: What’s the bottom line?

Oxford Auto Insurance provides affordable insurance plans for drivers across Illinois. Besides automotive policies, Oxford Auto offers insurance plans for homeowners, renters, motorcycle owners, and rideshare drivers. It also provides cheap and easy-to-get SR-22 insurance.

The Good

Could you benefit from a policy with Oxford Auto Insurance? These are the company’s best features and policy options: 

  • Affordable. Oxford Auto compares rates from up to 15 companies to provide the cheapest offers. State minimum liability policies start at only $23 a month.
  • Quick and easy. You can get Oxford Auto Insurance plans online. In most cases, same-day approval and proof of insurance are possible.
  • Lots of options. Oxford Auto Insurance Company offers many coverage options that can be bundled together or purchased separately. 

If you’re looking for a cheap plan with an easy enrollment process, Oxford Auto might be a good fit for you.

The Bad

Despite its helpful coverage options, Oxford Auto isn’t so great in the following areas:

  • Customer service. Although there are few online reviews, the people who have reviewed Oxford Auto Insurance generally speak negatively about its customer service.
  • No financial ratings are available. Oxford Auto has not been rated by any of the major financial reviewers.
  • There are few customer reviews. Online, there is very little customer-submitted information about Oxford Auto. This makes it hard to judge the company for its customer experience.

Overall, Oxford Auto Insurance offers a series of valuable policies at a low price. Customer reviews are limited, but the easy-to-get plans and affordable rates make Oxford Auto an excellent possible choice for Illinois drivers.