Oxford Auto Insurance Rates, Quotes, Agents & Reviews in MD

Oxford, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Oxford, MD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Oxford, MD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Oxford, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Oxford, MD with that of other cities in and around Oxford.

Oxford St. Michaels Cambridge Talbot County Tilghman Island Algonquin
Average Insurance Rates $1,511 $1,441 $1,321 $1,397 $1,405 $1,351

Oxford, MD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Oxford, MD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Oxford $2,009 $1,697
Talbot County $2,417 $2,042
Trappe $1,044 $882
St. Michaels $1,803 $1,523
Algonquin $1,463 $1,235
Easton $1,366 $1,154
Tilghman Island $1,834 $1,549
Cambridge $2,006 $1,695

Oxford, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Oxford, MD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,903
20 Years $1,941
30 Years $1,495
40 Years $1,439
50 Years $1,332
60 Years $1,351
70 Years $1,572

Oxford, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Oxford, MD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,659 $363
3 Vehicles $3,989 $544
4 Vehicles $5,319 $725

Savings on 2 Vehicles bundle:$363

Savings on 3 Vehicles bundle:$544

Savings on 4 Vehicles bundle:$725


Oxford, MD Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Oxford, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Oxford $1,511 $2,409
Talbot County $1,397 $2,227
Trappe $1,346 $2,146
St. Michaels $1,441 $2,297
Algonquin $1,351 $2,154
Easton $1,377 $2,195
Tilghman Island $1,405 $2,240
Cambridge $1,321 $2,106

Oxford, MD Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,296
Excellent (740-799) $1,480
Good (670-739) $1,574
Average (580-669) $2,054
Poor (300-579) $2,465

Oxford, MD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$66 $1,577
Driver's Failure In Showing Documents +$147 $1,658
Driving With An Expired Registration +$156 $1,667
Driving At A Considerably Slow Pace +$328 $1,839
Using A Cellphone While Driving +$346 $1,857
Running A Red Light +$352 $1,863
Speeding +$370 $1,881
Driving A Vehicle Without The Required Permission +$470 $1,981
Driving With An Expired/Suspended License +$1,018 $2,529

Oxford, MD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,451
Active Disabling Device $1,451
Tracking Device $1,420
Passive Disabling Device $1,405