Oxford Auto Insurance Review

Updated 3 days ago
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Oxford Auto Insurance is a non-standard auto insurer in Chicago. Oxford Insurance specializes in high-risk coverage, with SR-22 insurance also available. They’re also known for their excellent 24/7 service and roadside assistance perk. 

Oxford Auto Insurance overview

Oxford Auto Insurance is located in Chicago and provides service to residents within the state, and the Chicagoland area. Their aim is to give you affordable high-risk coverage, and ways to save on your annual auto premiums. Oxford Insurance also has an A+ rating from BBB. 

They offer you liability, collision and comprehensive surance, as well as SR-22 coverage. This wide range of coverage options ensures that you get the best policy to suit your needs and preferences. 

The company works as a middle-man between you and it’s 15 partnering insurance providers. Having a variety of insurers to compare helps you to get the lowest auto premium possible. Oxford Insurance has a dedicated team available 24/7 for quotes, queries and claims. 


  • Coverage for high-risk drivers: Unlike most companies, Oxford Insurance offers competitive coverage rates for high-risk drivers, including SR-22 Insurance. 
  • Online service: Get a user-friendly online portal for claims and payments. 
  • Cheap roadside assistance: Get roadside assistance for $6 and have peace of mind whilst driving your vehicle. 
  • 24-hour service: Representatives are available to you around the clock, making it easy for you to make a claim.


  • Limited service area: Oxford Auto Insurance only provides coverage in Chicago and the Chicagoland Area. If you live in another area, you can’t get coverage. 

Coverage options

  • Collision Coverage: Damage caused to your car during an at-fault accident gets covered. This policy doesn’t include medical bills.   
  • Comprehensive Coverage: Covers damage done to your car that isn’t caused by another vehicle. It includes theft, severe weather, a falling tree branch or telephone pole, etc.   
  • Uninsured motorists coverage: If you’re involved in an accident with a hit-and-run driver, your auto repairs get covered. 
  • Property damage liability: Damages caused to someone else’s property during a collision are paid for. 
  • Bodily injury liability: You’re covered for injury that you cause to someone else. This is an essential service if you drive daily. 
  • SR-22 Insurance: This high-risk insurance option is a coverage plan that allows you to drive, even with a DUI. It’s an agreement between Oxford Insurance and your state that reinstates limited driving privileges. 
  • Roadside Assistance: Get auto service when you need towing, a flat tire, fuel delivery and more. Drive with peace of mind when making short or long-distance trips. 

Oxford Auto Insurance discounts

There isn’t a list of Oxford Insurance’s discounts on their website. Inquire online or call (630) 590-6158 to speak to a representative. Ask about what discounts options are available and which ones you qualify for. 

Consider Oxford Auto Insurance, if…

Oxford Auto Insurance is a great option for people living in Chicago and the Chicagoland area that want cheap auto coverage. Their premiums are affordable, with comparisons across 15 partnering insurance companies. 

They’re also the best provider for high-risk drivers in this area. Their A+ rating from BBB set them aside from other non-standard providers. 

Consider alternatives to Oxford Auto Insurance, if…

If you don’t live within the state of Chicago or the Chicagoland area, then you aren’t able to get coverage with Oxford Insurance. In this case, you need to look elsewhere for reliable auto insurance. 

Oxford Insurance also isn’t the best option for drivers with a clean driving record. Their focus is to give coverage to drivers who need high-risk auto premiums. 

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