Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Feb 22, 2022

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Key Takeaways

  • Oxford Auto Insurance is a brokerage, not an insurance company, that represents over 15 different car insurance companies throughout Illinois
  • Oxford insurance rates, from partner companies, start as low as $23 per month or $276 annually
  • According to the Oxford Auto Insurance website, this company earned a 98% customer satisfaction rating

Oxford Auto Insurance is a brokerage that operates in Illinois and focuses on standard and nonstandard car insurance policies. While costs vary by company, Oxford insurance rates start as low as $23 per month.

Continue reading this Oxford car insurance review to compare customer and financial ratings, to learn about the companies that Oxford Auto Insurance represents, and to determine if this brokerage can offer you affordable car insurance quotes.

After learning about Oxford Auto Insurance, find the best coverage for you by entering your ZIP code into our free rate tool above and comparing quotes from some of the top active companies in your region.

What is Oxford Auto Insurance?

Despite sounding like a car insurance company, Oxford Auto Insurance is a regionally-specific insurance brokerage that compares quotes on behalf of consumers from over 15 different companies.

This company has 45 brick-and-mortar locations across Illinois that customers may visit for personalized support to secure affordable car insurance in the Chicagoland region. However, you can also use the “quote and buy now” feature on the company website to secure coverage at any time.

You can purchase traditional coverage and rideshare insurance from one of the partner companies by comparing Oxford Auto Insurance quotes. But Oxford Auto Insurance also specializes in comparing nonstandard, high-risk car insurance for drivers with tickets, multiple accidents on their record, poor credit, or those in need of SR-22 Insurance.

You can also purchase roadside assistance through Oxford Auto Insurance with services from Metro Motor Club. Rates start as low as $8 per month (or $102 per year) with a $14 down payment.

Since it isn’t an insurance company, how does Oxford Auto Insurance earn money?

If you purchase a policy offered to you by Oxford Auto Insurance brokers, the company charges various fees. Additional details are provided in the table below.

Oxford Auto Car Insurance Fees
Oxford Auto FeeCost
Full earned policy fee12.5% of the 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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Although you’ll be using a separate company for coverage, you can submit Oxford car insurance payments on the company website through the payment lookup portal. Alternatively, users can download the mobile app and create an ​​Oxford car insurance login to submit payments and access additional policy information.

Oxford Auto Insurance customer service representatives handle most of your customer service needs.

But if you need to file a claim, you must call the appropriate phone number associated with whatever company you select for coverage. Those numbers are available on the Oxford Auto Insurance website.

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How do you get Oxford Auto Insurance car insurance quotes?

Oxford Auto Insurance does not underwrite any car insurance policies. Instead, when you request Oxford insurance quotes, you’ll receive rates from the 15 companies that Oxford partners with.

The table below lists the auto insurance companies that Oxford Auto Insurance is contracted with and provides the corresponding customer service phone numbers.

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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If you utilize Oxford Auto Insurance to compare car insurance quotes, you could receive rates from any of the various companies listed above. To compare Oxford insurance quotes, you can visit the company website and use one of the available online quote tools.

For face-to-face assistance, you may travel to one of the physical office locations throughout Illinois.

You may also call the ​​Oxford Auto Insurance phone number at 312-260-9000 to speak directly with a customer service representative.

How much does Oxford Auto Insurance car insurance cost on average?

The average car insurance rates or savings amounts from Oxford Auto Insurance are not publicly disclosed. But the website mentions that quotes from partner companies may start as low as $23 per month or $276 annually.

If you compare quotes through this company, consider comparing your results to the average cost of Illinois car insurance. According to the Insurance Information Institute (III), Illinois’ average annual car insurance expenditure was $916.49 in 2018.

For high-risk drivers, the website also states that you may save up to 25% on your car insurance — using Oxford Auto Insurance — even if you have an unfavorable driving record or poor credit.

This brokerage works with small and larger companies, like Progressive car insurance company and Founders Insurance Company. Therefore, your overall costs depend on the insurance company that you end up selecting.

How do you file claims with Oxford Auto Insurance?

You cannot file car insurance claims directly through Oxford Auto Insurance. Instead, you may make any necessary claims through the company you chose when comparing the quotes that Oxford Auto Insurance provided you.

The table below reveals the correct number to call when filing a claim based on the partner company that you selected through Oxford Auto Insurance.

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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Oxford Auto Insurance also lists these claims center phone numbers on the website for customer convenience. Unfortunately, you cannot file claims or access these numbers on the company mobile app.

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Does Oxford Auto Insurance provide any car insurance discounts?

Car insurance discounts vary by company. Therefore, the savings opportunities available to you through Oxford Auto Insurance ultimately depend on what company you select for coverage.

Since Oxford Auto Insurance is a brokerage company, you should ask your customer service representative to help you locate the partner company that provides the most discounts for which you’re eligible.

Discounts are typically able to be bundled, so earning as many as possible is an excellent way to secure substantial car insurance savings.

What are the Oxford Auto Insurance ratings and reviews?

Analyzing Oxford Auto Insurance’s financial ratings and customer reviews can help you determine the company’s reliability before providing any of your personal information.

According to the website, ​​Oxford car insurance reviews from real users are overwhelmingly positive. It boasts a 98% customer satisfaction rating.

However, it is unclear as to how the company collected and analyzed the customer experience to attain such a high number.

Oxford Auto Insurance is accredited by the Better Business Bureau (BBB) and currently has an A+ rating. This indicates that the BBB believes Oxford Auto Insurance interacts positively with its customers.

This company is licensed in Illinois. However, Oxford Auto Insurance has not been rated by the leading credit rating agencies, including A.M. Best. Consider these customer experiences and financial evaluations while you shop around for your best car insurance policy.

Are quote comparison websites safe to use?

Many reliable quote comparison websites, including the quote boxes on this page, are available for consumers when shopping for auto insurance coverage. Reputable websites will always provide you with quotes to compare for free and will not ever obligate you to make a purchase.

Fortunately, Oxford Auto Insurance is a safe, legitimate car insurance brokerage company available to Illinois drivers.

However, ensure that you are aware of the fees that this company charges if you elect to purchase a policy with the help of Oxford Auto Insurance brokers. And understand that these fees are typical of brokerage companies.

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What is the history of Oxford Auto Insurance?

According to the website, Oxford Auto Insurance has helped Illinois drivers find affordable car insurance for over 65 years.

However, not much is known about the origins of this company. Today, the company has over 45 physical offices across Illinois equipped with licensed brokers to help Chicagoland drivers secure affordable auto insurance coverage.

But you can also compare rideshare and motorcycle insurance policies or purchase roadside assistance services.

Oxford Auto Insurance is currently contracted with 15 different car insurance companies, including Progressive, American Access Casualty Company, and American Heartland.

Oxford Auto Insurance: The Bottom Line

Oxford Auto Insurance is a brokerage, not a car insurance company. If you live in Illinois, Oxford Auto Insurance quickly compares quotes from 15 different insurance companies to help you locate the most affordable coverage.

While this company charges fees if you purchase one of its offered policies, those fees are typical for insurance brokerages and do not exceed $85. High-risk drivers, people with poor credit, and those in need of SR-22 coverage may benefit from using Oxford Auto Insurance.

However, safe drivers and people with clean driving records might consider exploring additional car insurance companies that are not contracted with Oxford Auto Insurance, such as GEICO, Allstate, Nationwide, or State Farm.

Now that you’ve finished reading Oxford’s car insurance review, find the right coverage for you by entering your ZIP code into our free quote tool below to compare rates from some of the best active companies near you.