Oxford Car Insurance Review (2022)

Oxford Auto Insurance is a brokerage representing at least 14 companies that sells standard and non-standard policies to drivers in Illinois. Oxford car insurance payments start as low as $23 per month, but your rates depend on the company you choose, your age, driving record, coverage needs, and more. According to the company website, Oxford Auto boasts a 98% customer satisfaction rating.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Oxford Auto compares car insurance policies from at least 14 different companies in Illinois
  • Car insurance rates at Oxford Auto start as low as $23 per month or $276 annually
  • According to the company website, Oxford Auto earned a 98% customer satisfaction rating

Oxford Auto Insurance is a brokerage that operates in Illinois and compares standard and non-standard car insurance policies from at least 14 different companies with rates starting at $23 per month.

In this Oxford car insurance review, learn how to request a quote, compare financial ratings and reviews, and determine if Oxford Auto can offer you cheap car insurance.

What is Oxford Auto Insurance?

Oxford Auto is a car insurance brokerage, not an insurance company. This means Oxford Auto does not underwrite any of the policies it helps sell. Instead, the coverage is underwritten by one of at least 14 different insurers the company is contracted to represent.

This company is only available in Illinois and has over 45 physical locations that consumers may visit for in-person support.

But you can also compare quotes from the contracted companies using the Oxford Auto website or by calling the company directly.

While you can purchase traditional coverage through the Oxford Auto quote comparison website, this company also provides options for high-risk drivers, people who need SR-22 insurance, and folks with poor credit. So Oxford Auto is ideal for customers requiring non-standard car insurance coverage.

You can also purchase roadside assistance with services from Metro Motor Club with rates starting at $8 per month or $102 annually, plus a $14 down payment.

How do brokerages like Oxford Auto make money since it’s not a car insurance company?

When you purchase one of the policies offered to you by Oxford Auto agents, the company charges some small fees. See the table below for more details.

Oxford Auto Car Insurance Fees
Oxford Auto FeeCost
Full earned policy fee12.5% of premium,
maximum of $85
Endorsement fee$20
Agency compensation fee$38 for 12-month policy,
$17 for 6-month policy
Non-sufficient funds (NSF) fee$4.50
Reinstatement fee$5.00
Credit/debit card convenience fee$4.40
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Understand that these brokerage fees are relatively standard for the car insurance industry.

Oxford Auto also provides a mobile app that people can use to request quotes, view policy details, and contact customer support.

But if you need to file any claims, you do so by calling your contracted company directly, not through Oxford Auto.

Otherwise, you submit Oxford Auto payments through the company website or mobile app and interact primarily with Oxford Auto customer service representatives for most of your car insurance needs. They even help you make any necessary changes to your policy and recheck rates when your coverage is up for renewal.

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How do you request Oxford car insurance quotes?

Oxford Auto does not underwrite any car insurance policies it helps sell. When you request a quote from this company, you’ll receive rates from the contracted car insurance companies Oxford Auto works with.

See a complete list of those insurers with the customer service phone numbers included in the table below.

Oxford Auto Partner Companies
Company NameGeneral Phone Number
American Access Casualty Company630-645-7777
American Alliance Casualty Company847-916-3200
American Freedom Insurance Company847-758-9300
American Heartland847-583-4600
Apollo Casualty Company847-635-5600
Delphi Casualty Company847-635-5600
Direct Auto Casualty Company312-568-4500
Falcon Insurance Company800-929-3252
Founders Insurance Company847-768-0040
KAI Casualty Company847-700-9100
Lighthouse Casualty Company855-235-1522
Progressive Insurance877-776-2436
Unique Insurance Company773-299-7500
United Equitable847-583-4600
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What companies you receive rates from and how much it costs depends on your age, driving record, Illinois ZIP code, and coverage requirements.

However, Oxford Auto does compare high-risk car insurance. So if you need non-standard car insurance coverage, this company may help you.

To request quotes to compare, visit the company website and access the available online quote tools. You can secure coverage any time of day this way.

If you prefer face-to-face support, you may also visit one of the 45 Oxford Auto office locations across Illinois.

Otherwise, you can call the Oxford car insurance phone number at 312-260-9000 and speak with a customer service representative or email the company directly.

What are the average Oxford car insurance rates?

Oxford Auto does not advertise the average savings Illinois drivers earn by using the quote comparison services.

But the website states that rates from the partner companies start at $23 per month or $276 annually.

The website also claims that high-risk drivers, people with poor driving records, and folks with poor credit may save up to 25% by comparing quotes using the Oxford Auto resources.

You can also compare any quotes you receive from Oxford Auto to the average cost of Illinois car insurance. According to the Insurance Information Institute (III), the average annual car insurance expenditure in Illinois in 2018 was $916.49.

But because this company works with both small and national insurance brands, like Progressive car insurance company, your overall costs ultimately depend on what company you choose for coverage.

How do you file an Oxford car insurance claim?

Even though you interact with Oxford Auto customer service representatives for most of your car insurance policy needs, you cannot file claims directly through this company. Instead, you must call the claims number associated with whatever company you chose for coverage.

Check out the table below to see the claims phone numbers for the different companies Oxford Auto is contracted with.

Oxford Auto Claims Phone Numbers
Company NameClaims Phone Number
American Access Casualty Company630-645-7755
American Alliance Casualty Company847-916-2002
847-916-2003 (Esp)
American Freedom Insurance Company847-758-9300 (Ext 3)
American Heartland847-583-4600 (Ext 1)
Apollo Casualty Company847-635-5600 (Ext 1)
Delphi Casualty Company847-635-5600 (Ext 1)
Direct Auto Casualty Company312-568-4500 (Ext 1)
Falcon Insurance Company800-929-3252 (Ext 3)
Founders Insurance Company888-676-4342
KAI Casualty Company800-232-0631 (Ext 1)
Lighthouse Casualty Company855-235-1522 (Ext 3)
Progressive Insurance800-274-4499
Unique Insurance Company773-299-7500 (Ext 1)
United Equitable847-583-4600 (Ext 1)
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You still submit Oxford car insurance payments through the Oxford Auto website or mobile app. You just cannot file any claims this way.

But, for customer convenience, all claims numbers are listed on the company website. Plus, you can call or email Oxford Auto for assistance if you experience any issues throughout the claims process.

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Does Oxford Auto offer any car insurance discounts?

Oxford Auto does not include details about car insurance discounts on the company website.

But because car insurance discounts vary by company, the rate reductions available to you depend on which of the contracted companies you choose if you compare quotes through the Oxford Auto website.

Since this company is a brokerage, ask your customer service representative to show you the companies that offer the most savings opportunities you’re eligible to earn. Car insurance discounts are usually stackable, so this is a great way to lower your overall costs.

How are the Oxford Auto ratings and reviews?

Looking over Oxford Auto reviews from real customers helps you determine if the company is reputable before filling out any forms with your personal information.

This company is accredited by the Better Business Bureau (BBB) and holds an A+ rating.

This score means the BBB believes Oxford Auto interacts positively with its users. Similarly, the company website claims Oxford Auto has a 98% customer satisfaction rating. However, details about how the company determined this number are not available.

Otherwise, Oxford Auto has not been evaluated by any leading credit rating agencies, like A.M. Best. But the company is fully licensed to operate in Illinois, following all legal state guidelines.

Keep these reviews and experiences in mind while you shop around for your best car insurance policy.

Are quote comparison websites reliable?

Many reliable quote comparison websites are available for consumers when shopping for car insurance.

But how do you know if a quote comparison website is safe to use?

Reputable car insurance comparison portals are always free and never require you to make any purchases.

Fortunately, Oxford Auto is a legitimate, safe-to-use resource for Illinois drivers.

Oxford Auto is a brokerage and charges fees if you purchase a car insurance policy. However, understand that these fees are standard for the industry.

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What is the history of Oxford Auto?

Not much is known about the history of the Oxford insurance quote comparison company. But according to the website, it has helped Illinois residents secure affordable car insurance policies for over 65 years. It also provides options for high-risk drivers, including people in need of SR-22 insurance.

Today, there are over 45 physical Oxford Auto office locations throughout Illinois that drivers can walk into for personalized support finding coverage from a licensed agent.

Oxford Auto also provides consumers with motorcycle and rideshare insurance coverage comparisons.

It is contracted with at least car insurance companies, both small and large, including American Freedom Insurance Company, Progressive, United Equitable, and more.

Oxford Auto Insurance: The Bottom Line

Ultimately, Oxford Auto is a brokerage that exists to help the residents of Illinois secure affordable car insurance policies. But it is not a car insurance company.

Oxford Auto may be a great resource to quickly compare standard and non-standard car policies if you’re a higher risk driver living in the Chicagoland region. Just be aware of the fees charged when you finalize a purchase.

However, of the companies contracted with Oxford Auto, many top national insurers aren’t on the list, including GEICO, Nationwide, Allstate, and State Farm.

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