Cheapest Car Insurance Quotes in University Park

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University Park Car Insurance

^$ 65

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in University Park

The car insurance rate in University Park is $1321 for a six-month policy, which is $305 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $966, making it a popular choice for budget-conscious drivers. Rates in University Park can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in University Park

$1321

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in University Park

1st place: Kemper

At $966 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1043 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $1066 for six months, making it the third cheapest auto insurance company in University Park.

University Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in University Park, MD is Kemper, offering policies at just $966 for a six-month term. This is followed by USAA, which has an average six-month premium of $1043.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2471 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help University Park drivers find the best deals.

Cheap Car Insurance Companies in University Park, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$966	$164
USAA	$1043	$176
State Farm	$1066	$179
Travelers	$1066	$179
Nationwide	$1235	$208
Erie	$1274	$215
Progressive	$1452	$244
Allstate	$2471	$416

Key Takeaways

Way's key takeaways about car insurance in University Park

The auto insurance costs in University Park fall around $966 for six months.
The cheapest auto insurance company in University Park is USAA.
Teen drivers pay the highest rate in University Park at $1736 per month.

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Cheapest Minimum Liability Car Insurance in University Park

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in University Park are given below.

USAA provides the cheapest minimum car insurance coverage in University Park. Their Average 6 Month Premium is $386. Allstate is the most expensive at $1352 for the same period.

Cheapest Liability Coverage in University Park, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$386	$65
Travelers	$533	$90
State Farm	$541	$91
Kemper	$549	$91
Erie	$572	$96
Progressive	$672	$113
Nationwide	$696	$117
Allstate	$1352	$228

Cheapest Full Coverage Car Insurance in University Park

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in University Park is Kemper at $164 per month and $966 for six months.

Cheapest Full Coverage Car Insurance Quotes in University Park, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$966	$164
USAA	$1043	$176
State Farm	$1066	$179
Travelers	$1066	$179
Nationwide	$1235	$208
Erie	$1274	$215
Progressive	$1452	$244
Allstate	$2471	$416

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Average Car Insurance in University Park by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in University Park, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in University Park, Maryland, may be increasing due to several external factors. Maryland has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, University Park's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in University Park

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$891
30s	Travelers	$759
40s	Travelers	$692
50s	Travelers	$654
60s	Travelers	$733
70s	USAA	$775

Cheapest Car Insurance Rates for Teen Drivers in University Park,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the University Park at $99 per month. At $10309 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$580	$99
Erie	$1505	$254
Travelers	$1760	$296
USAA	$1884	$317
State Farm	$2556	$430
Progressive	$3251	$547
Nationwide	$4880	$822
Allstate	$10309	$1736

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in University Park.

As young drivers face the highest rates in University Park, Travelers offers the cheapest auto insurance rates at $891 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in University Park, USAA is the cheapest car insurance provider. At $1221 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in University Park is State Farm, offering rates of around $4618 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1221	$203
Progressive	$1258	$212
Nationwide	$1599	$269
Travelers	$2254	$384
Erie	$2648	$442
Allstate	$3606	$614
State Farm	$4618	$770

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Car Insurance Rates with An Accident in University Park

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In University Park, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in University Park

The cheapest car insurance companies after an at-fault accident in University Park include Erie and USAA, offering $958 and $1089, respectively. Encompass is an expensive provider with an average six-month premium of $857.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$958	$161
USAA	$1089	$183
Travelers	$1104	$186
State Farm	$1190	$200
Progressive	$1444	$243
Nationwide	$2007	$338
Allstate	$4510	$759
Encompass	$857	$143

University Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in University Park MD. For example, the car insurance in University Park after a DUI increases to $1466 for a six month policy. While the rate increases by $339 for a six-month policy in the case of a speeding ticket.

University Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1560	$260
One Med/PIP claim	$1613	$274
Not-at-fault accident	$1676	$280
One comp claim	$1684	$286
Two Med/PIP claims	$1715	$286
Failure to wear a seat belt	$1768	$300
Failure to show documents	$1815	$303
Child safety restraint	$1830	$311
Two comp claims	$1830	$306
Driving with expired registration	$1876	$319
Cell phone violation	$1899	$317
Driving too slowly	$1899	$322
Failure to stop at a red light	$1899	$317
Failure to yield	$1899	$322
Following too closely	$1899	$317
Illegal turn	$1899	$322
Improper passing	$1899	$317
Speeding 11 - 15 MPH over limit	$1899	$322
Speeding 16 - 20 MPH over limit	$1899	$317
Speeding 6 - 10 MPH over limit	$1899	$322
Texting while driving	$1899	$317
Wrong way/wrong lane	$1899	$322
Speeding in school zone	$1923	$321
At-fault accident - less than $1000	$1962	$334
Passing school bus	$1970	$328
Driving without lights	$1977	$337
Open container	$1985	$330
Operating a vehicle without permission	$2007	$342
Speeding 21 - 25 MPH over limit	$2077	$346
In 65 MPH zone	$2270	$386
At-fault accident - $1000-$2000	$2340	$390
At-fault accident - greater than $2000	$2340	$398
Reckless driving	$2672	$446
Racing	$2873	$489
Driving with a suspended license	$2919	$486
Refusal to submit to a chemical test	$3012	$512
DUI	$3026	$504
Leaving scene of an accident/hit and run	$3050	$519

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in University Park after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in University Park.

The cheapest car insurance premiums in University Park are offered by Erie at $819 for a six-month policy. However, it can be as expensive as $3367 with companies like Nationwide.

University Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$819	$138
Travelers	$1197	$202
Progressive	$1560	$263
USAA	$1799	$303
State Farm	$2340	$394
Allstate	$2579	$434
Nationwide	$3367	$567

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in University Park are offered by State Farm at $733. However, it can be as expensive as $3151 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in University Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$733	$124
USAA	$835	$142
Erie	$972	$164
Progressive	$1127	$190
Travelers	$1544	$257
Nationwide	$2193	$373
Allstate	$3151	$525

Car Insurance Price Trends in University Park, Maryland

Car insurance rates in University Park have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the University Park rose by $277 in December compared to $276 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the University Park remained steady at $100 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in University Park?

The car insurance in University Park is $65 per month, which is lower than the national average.

What is the cheapest car insurance in University Park?

The cheapest car insurance in University Park is $164 per month for full coverage.

How much is car insurance in University Park for teenagers?

Car insurance for teenagers costs $580 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in University Park?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $222 per month to insure your car in University Park.

Is car insurance expensive in University Park?

Car insurance can be expensive in University Park if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in University Park can be affordable.

Cheapest Car Insurance Quotes in University Park

Why you can trust Way?

How Much Is Car Insurance in University Park

Avg. Car Insurance in University Park

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in University Park

1st place: Kemper

2nd place: USAA

3rd place: State Farm

University Park Car Insurance Rates by Company

Cheap Car Insurance Companies in University Park, MD

Way's key takeaways about car insurance in University Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in University Park

Cheapest Liability Coverage in University Park, MD

Cheapest Full Coverage Car Insurance in University Park

Cheapest Full Coverage Car Insurance Quotes in University Park, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in University Park by Rating Factor

I have a clean driving record. Why is my car insurance rate here in University Park, MD increasing?

Car Insurance Premiums by Age in University Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in University Park,MD

If you are in your twenties Travelers is the best choice for car insurance in University Park.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in University Park

Cheapest Car Insurance Companies after an At-Fault Accident in University Park

University Park Car Insurance Rates by Violation

University Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in University Park after a DUI

University Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in University Park after Speeding ticket

Car Insurance Price Trends in University Park, Maryland

Average Car Insurance Cost in University Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near University Park, MD

Car Insurance Rates by State in the USA (2025 Update)

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