What is Oxford Auto Insurance?

Oxford Auto Insurance is an insurance agency that provides cheap car insurance to drivers in the Chicago land area.

Oxford Auto Insurance claims to have a 90% customer satisfaction rating and 65years of experience serving drivers across the Chicago metropolitan area. They also have 40 plus locations across the city and surrounding communities.

But is Oxford Auto Insurance a good insurance company? Does Oxford Auto Insurance offer cheap insurance? What kind of discounts does the company offer? Find out everything you need to know about Oxford Auto Insurance today in our review.

About Oxford Auto Insurance

Oxford Auto Insurance has been in business for over 75 years and advertises very low rates and reasonable coverage for all customers, even those with a poor credit history, previous accidents, or tickets.

Aside from insuring cars, Oxford Auto Insurance also offers rideshare coverage, motorcycle insurance, SR-22 insurance, and homeowners and renters insurance.

Oxford Auto Insurance isn’t an insurance provider itself. Instead, it’s an insurance broker, meaning that customers will work with an Oxford Auto Insurance agent who will then compare rates from different auto insurance companies to find a policy that fits.

The companies with which Oxford Auto Insurance works include:

  • American Access Casualty Company
  • American Alliance Casualty Company
  • American Heartland / United Equitable
  • American Freedom Insurance Company
  • Apollo Casualty Company / Delphi Casualty Company
  • Direct Auto Casualty Company
  • Falcon Insurance Company
  • Founders Insurance Company
  • KAI Casualty Company
  • Lighthouse Casualty Company
  • Progressive
  • Unique Insurance Company

What is Oxford Auto Insurance?

Oxford Auto Insurance is a Chicago-based auto insurance agency that connects customers with other insurance companies, and then takes a cut of your payment. Like other brokers, Oxford Auto Insurance secures lower rates with other insurance companies than you would obtain on your own. You pay Oxford Auto Insurance directly, and you get car insurance for your unique needs.

Oxford Auto Insurance offers car insurance to customers across the greater Chicago metropolitan area. However, the company is top-rated among high-risk drivers and drivers with poor driving records.

In addition to offering car insurance, Oxford Auto Insurance offers motorcycle insurance and other insurance products. Oxford Auto Insurance has 40 plus locations across the Chicago land area, including locations in Chicago, Aurora, Cicero, Harvey, and many other Chicago land communities.


Working Of Oxford Auto Insurance?

Oxford Auto Insurance is not an insurance company but they are an insurance agency or broker. The company does not directly provide car insurance to customers; instead, they partner with 15 plus insurance companies in Chicago and across the United States, then connect customers with these insurance companies.

When you work with Oxford Auto Insurance, you pay Oxford Auto Insurance for your car insurance. Most of your customer service interactions will be through Oxford Auto Insurance, and the company handles your complaints, billing, and other customer service issues.

However, if you need to make a claim, then you need to contact your specific insurance provider. Oxford Auto Insurance has a list of phone numbers to call based on which insurance company you use. All claims go through this company, so claims satisfaction with Oxford Auto Insurance varies widely.

Oxford Auto Insurance works similarly to other auto insurance brokers in Chicago and across the United States. However, with 65 plus years of experience, they have a better and longer-standing reputation than many other insurance brokers.

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Products of Oxford Auto Insurance

Like other auto insurance companies, Oxford Auto Insurance offers a range of liability insurance, collision coverage, and comprehensive coverage policies, among other insurance products:

Liability Coverage

Oxford Auto Insurance provides bodily injury liability insurance and property damage liability insurance, both of which are required in the state of Illinois.

Uninsured and Underinsured Motorist Coverage

Oxford Auto Insurance provides uninsured and underinsured motorist coverage, giving you added protection if you are hit by a driver without insurance or with too little insurance.

Collision Coverage

Although not required in Illinois or any other state, collision coverage protects your vehicle after an at-fault accident, covering repairs, replacement, and all damage.

Comprehensive Coverage:

Comprehensive coverage covers the cost of replacing or repairing your vehicle after non-accident-related incidents, including theft, vandalism, or environmental damage.

Medical Payments Coverage

Similar to health insurance, medical payments coverage covers medical bills if you or your passengers are injured in an accident.

Towing Coverage

Oxford Auto Insurance policies cover the cost of towing your vehicle after an accident.

Discounts of Oxford Auto Insurance 

Oxford Auto Insurance offers a standard range of discounts compared to other insurance providers, including all of the following:

  • Payment Discounts
  • Payment Plans
  • Driver Discount
  • Driver Insurance
  • Bundling Discounts
  • Bundling Discounts
  • Multi-Vehicle Discounts

Payment Discounts:

Oxford Auto Insurance claims to offer one of the lowest down payments in the insurance industry, with some down payments priced at just $23.

Payment Plans

Oxford Auto Insurance also aims to offer flexible payment plans, customizing your billing to meet your unique budget and needs.

Driver Discount

If you are a good driver with a clean record over the past 3 to 7 years, then you could qualify for Oxford Auto Insurance’s good driver discount

Driver Insurance

If you are a high-risk driver with multiple DUIs, a low credit score, and other issues, then you could qualify for cheaper insurance premiums with Oxford Auto Insurance. The company is particularly popular among drivers who struggle to obtain cheap insurance through competing companies.

Bundling Discounts

Bundle multiple policies together to save money across all products. Oxford Auto Insurance sells auto insurance, homeowners insurance, and renters insurance, among other products.

Multi-Vehicle Discounts

Like most insurers, Oxford Auto Insurance offers a discount to drivers who want to insure multiple vehicles with the company.

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Oxford Auto Insurance Reviews?

Oxford Auto Insurance is a member of the trusted choice insurance network, which means it belongs to the Independent Insurance Agents of Illinois. The company also has an A+ rating on its Better Business Bureau profile.

Oxford Auto Insurance has been accredited by the Better Business Bureau since October 2010. The company has just 4 customer complaints on its Better Business Bureau page and 2 reviews, making it difficult to get a clear picture of how customers feel about the company. However, with an overall rating of A+ on its Better Business Bureau page, Oxford Auto Insurance seems to have a good reputation.

Oxford Auto Insurance is a smaller insurance company known only to drivers in the Chicago land area, so they are not many reviews online.

Complicating matters further is that the Oxford Auto Insurance experience varies between companies. Oxford Auto Insurance works with 15 plus insurance company partners, which is why two customers can have many different claims experiences.

Pros and cons from Oxford Auto Insurance customers include:


  • Cheap car insurance for high-risk and low-risk drivers in Chicago
  • Cheap car insurance for high-risk drivers
  • Effective car insurance for many drivers in the Chicago land area
  • 70 plus years of trusted experience serving drivers in Illinois
  • Connects drivers with 15+ reputable insurance companies


  • Poor customer service
  • Poor claims satisfaction
  • Customer service and claims satisfaction varies between insurance company partners


Oxford Auto Insurance is a Chicago-based insurance broker with experience of 65 plus years of connecting drivers with affordably-priced policies across the Chicago land area.

Oxford Auto Insurance seems to work as advertised, helping drivers find affordable rates regardless of their needs or situation. The company claims to have a 90% satisfaction rate and has decent reviews online, although it is not large enough to be ranked by nationwide authorities and others.

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