Disclaimer: Accurate Auto Insurance is not affiliated with, endorsed by, or connected to Oxford Auto Insurance in any way. Oxford Auto Insurance is an independent, competing agency, and all names and marks referenced on this page belong to their respective owners. This comparison is published for informational purposes so Illinois drivers can shop with confidence, and it reflects publicly available information at the time of writing. Coverage options, rates, and locations change, so please confirm details directly with each agency. If you are currently insured through Oxford, we will do everything we can to beat your rate on comparable coverage.
Oxford Auto Insurance vs. Accurate Auto Insurance
Comparing Oxford Auto Insurance with Accurate Auto Insurance? Here is an honest look at how the two agencies differ — and why it is worth getting a second quote before you renew.
If you drive in Chicago, you have passed an Oxford Auto Insurance office. They have been writing Illinois policies since 1945 and now run more than 45 storefronts across Chicagoland, and that kind of presence is earned. Accurate Auto Insurance works with many of the same drivers: SR-22 filings, suspended or revoked licenses, tickets, accidents, rideshare drivers, and people who need proof of insurance today. Both agencies are independent, and both shop a network of carriers rather than selling one company’s product. So the honest question is not whose sign you have seen more often. It is which agency puts you in front of the right carrier for your record — and whether anyone is still checking that a year from now.
Where Accurate Auto Insurance is different
Statewide, not just Chicagoland
- Offices in Oak Brook, Rockford, Peoria, Elgin, Joliet, South Holland, Oak Lawn and Chicago
- Oxford describes its network as Chicagoland — there is no office waiting for you in Rockford or Peoria
- If you move or commute across Illinois, you keep the same agency
A quote without the trip
- Quote by phone, online or in person — your choice, not ours
- Same-day coverage and electronic SR-22 filing
- Proof of insurance sent to you before you hang up
We re-shop your renewal
- Most non-standard policies get quoted once and then quietly renew
- We re-run your rate as tickets and accidents age off your record
- We will tell you when we cannot beat your current price
SR-22 and high-risk drivers
Most drivers comparing these two agencies are dealing with something specific: a court-ordered SR-22, a suspended or revoked license, a DUI, a lapse in coverage, or a string of tickets that sent the premium through the roof. Both agencies write these policies. What matters is the turnaround and the price you are left paying once the filing is behind you.
- SR-22 filings submitted electronically to the Illinois Secretary of State — often the same day you call.
- Suspended, revoked, out-of-state or no license? None of that automatically disqualifies you, and we know which carriers price it reasonably.
- Non-owner SR-22 available if you need a filing but do not own a vehicle.
- Rideshare drivers — Uber and Lyft coverage handled without the guesswork.
- Tickets, accidents and lapses get re-shopped as they age off your record. Your rate should not be frozen at your worst year.
Switching from Oxford to Accurate
If you decide to move your policy, it is straightforward. Send us your current declarations page so we can match your coverage limits exactly — a cheaper quote against thinner coverage is not a real comparison, and it is the oldest trick in this business. We will quote the same limits, show you the difference in writing, and handle any SR-22 filing so there is no gap in your record. Once your new policy is active you cancel the old one, and the carrier refunds any unused premium directly to you.
Get a side-by-side quote in minutes
Send us your current Oxford policy and we will quote the same coverage. If we cannot beat it, we will tell you.
Frequently asked questions
Is Accurate Auto Insurance the same company as Oxford Auto Insurance?
No. Accurate Auto Insurance and Oxford Auto Insurance are separate, unaffiliated companies. We are a direct competitor, and this page is published so Illinois drivers can compare the two before buying.
Can Accurate Auto Insurance beat my Oxford Auto Insurance rate?
Often, yes — but not always, and we will not pretend otherwise. Both agencies shop multiple carriers, so the difference comes down to which carriers each of us places you with and how your record is presented. Send us your declarations page and we will quote identical limits. If Oxford already has you at the better price for the same coverage, we will say so.
Is there an Oxford Auto Insurance office near Rockford or Peoria?
Not according to their published locations. Oxford describes its office network as Chicagoland, so drivers downstate and in the Rock River Valley are handling everything by phone or online anyway. Accurate Auto Insurance has offices in Rockford and Peoria, along with Oak Brook, Elgin, Joliet, South Holland, Oak Lawn and Chicago — so you can walk in no matter where in Illinois you live.
Can I switch from Oxford to Accurate in the middle of my policy term?
Yes. Auto insurance is not locked to a term the way a lease is. You can change carriers at any time, and the previous carrier refunds unused premium. We start your new policy first so you are never uninsured, which matters especially if you carry an SR-22.
Do both agencies file SR-22s in Illinois?
Both agencies write SR-22 policies. We file electronically with the Illinois Secretary of State and can usually get your filing submitted the same day you get a quote.
Do I have to visit an office to get covered?
No. You can get quoted, sign and pay by phone or online, and receive proof of insurance electronically. If you would rather sit down with someone, our offices in Oak Brook, Rockford, Peoria, Elgin, Joliet, South Holland, Oak Lawn and Chicago are open to you.
Advertising disclaimer: This page is advertising published by Accurate Auto Insurance. Accurate Auto Insurance is not affiliated with, sponsored by, endorsed by, or otherwise associated with Oxford Auto Insurance. “Oxford Auto Insurance” and any related names or marks are the property of their respective owners and are used here only to identify a competing agency for the purpose of comparison. Information about Oxford Auto Insurance is based on publicly available sources believed accurate as of the last page update and may change without notice. Statements about savings are not a guarantee; rates depend on your driving record, vehicle, location, coverage selections and carrier underwriting. Coverage is subject to policy terms, conditions and exclusions. Last reviewed: July 2026.
