Is Oxford Auto Insurance Good?

Last Updated on October 20, 2021

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

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

What is Oxford Auto Insurance?

Is Oxford Auto Insurance Good?Oxford Auto Insurance is a Chicago-based auto insurance agency that connects customers with other insurance companies, 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 all types of customers across the greater Chicago metropolitan area. However, the company is particularly popular among high-risk drivers, drivers who need SR-22 certificates, 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+ locations across the Chicagoland area, including locations in Chicago, Aurora, Cicero, Harvey, and many other Chicagoland communities.

How Does Oxford Auto Insurance Work?

Oxford Auto Insurance is not an insurance company: they’re an insurance agency or broker. The company does not directly provide car insurance to customers; instead, they partner with 15+ 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, which is why claims satisfaction with Oxford Auto Insurance varies widely.

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

Oxford Auto Insurance Products

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 own 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.

SR-22 Certificate: SR-22 certificates verify your financial responsibility. You may be required to obtain an SR-22 certificate, and Oxford Auto Insurance can help you get it.

Other Oxford Auto Insurance Products

Oxford Auto Insurance sells more than just auto insurance. The company also sells all of the following types of coverage:

Business Insurance: If you drive your car for business-related purposes, then you can obtain car insurance through Oxford Auto Insurance.

Rideshare Insurance: Like most insurance companies, Oxford Auto Insurance supports rideshare coverage for drivers who work for Uber, Lyft, or other companies.

Homeowners and Renters Insurance: Oxford Auto Insurance sells homeowners and renters insurance, allowing you to protect your home and your belongings. You can bundle your homeowners and renters insurance with your auto insurance to save.

Motorcycle Insurance: You can insure your motorcycle with Oxford Auto Insurance.

Motor Club: Oxford Auto Insurance has a $6 per month ‘Motor Club’ that offers roadside assistance and other bonuses.

Oxford Auto Insurance Discounts

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

Low Down 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.

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

Good 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

Bad 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.

Oxford Auto Insurance discounts vary between companies. Because Oxford Auto Insurance works with 15+ providers, you might qualify for different discounts than other drivers.

Oxford Auto Insurance Reviews: What Do Customers Have to Say?

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

Oxford Auto Insurance has been accredited by the BBB since October 2010. The company has just 4 customer complaints on its BBB 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 BBB page, Oxford Auto Insurance seems to have a good reputation.

Overall, Oxford Auto Insurance is a smaller insurance company known only to drivers in the Chicagoland area, so there aren’t many reviews online. The Oxford Auto Insurance Yelp page, for example, has an average rating of 1.5 stars out of 5 – but with just 2 customer reviews.

Complicating matters further is that the Oxford Auto Insurance experience varies between companies. Oxford Auto Insurance works with 15+ 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
  • SR-22 certificates
  • Effective car insurance for many drivers in the Chicagoland area
  • 70+ 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

Final Word on Oxford Auto Insurance

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

Overall, 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’s not large enough to be ranked by nationwide authorities like J.D. Power and others.

To learn more about Oxford Auto Insurance or to request a quote today, visit the company online at

Oxford Auto Insurance Company Information
Insurance Quote Number(312) 796-5600
Customer Service Number(630) 590-6158
Website URL
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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