Cheapest Car Insurance Quotes in Upper Marlboro

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Upper Marlboro Car Insurance

^$ 63

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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 Upper Marlboro

The car insurance rate in Upper Marlboro is $1481 for a six-month policy, which is $277 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $914, making it a popular choice for budget-conscious drivers. Rates in Upper Marlboro 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 Upper Marlboro

$1481

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Upper Marlboro

1st place: Kemper

At $914 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1009 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1052 for six months, making it the third cheapest auto insurance company in Upper Marlboro.

Upper Marlboro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Upper Marlboro, MD is Kemper, offering policies at just $914 for a six-month term. This is followed by USAA, which has an average six-month premium of $1009.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2945 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Upper Marlboro drivers find the best deals.

Cheap Car Insurance Companies in Upper Marlboro, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$914	$155
USAA	$1009	$170
Travelers	$1052	$177
State Farm	$1161	$196
Erie	$1257	$212
Nationwide	$1264	$213
Progressive	$1498	$252
Allstate	$2229	$371
Maryland Auto	$2945	$501

Key Takeaways

Way's key takeaways about car insurance in Upper Marlboro

The auto insurance costs in Upper Marlboro fall around $914 for six months.
The cheapest auto insurance company in Upper Marlboro is USAA.
Teen drivers pay the highest rate in Upper Marlboro at $1524 per month.

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Cheapest Minimum Liability Car Insurance in Upper Marlboro

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 Upper Marlboro are given below.

USAA provides the cheapest minimum car insurance coverage in Upper Marlboro. Their Average 6 Month Premium is $373. Allstate is the most expensive at $1169 for the same period.

Cheapest Liability Coverage in Upper Marlboro, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$373	$63
Travelers	$497	$84
Kemper	$519	$86
Erie	$549	$92
State Farm	$555	$93
Nationwide	$694	$117
Progressive	$716	$121
Maryland Auto	$1023	$173
Allstate	$1169	$194

Cheapest Full Coverage Car Insurance in Upper Marlboro

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 Upper Marlboro is Kemper at $155 per month and $914 for six months.

Cheapest Full Coverage Car Insurance Quotes in Upper Marlboro, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$914	$155
USAA	$1009	$170
Travelers	$1052	$177
State Farm	$1161	$196
Erie	$1257	$212
Nationwide	$1264	$213
Progressive	$1498	$252
Allstate	$2229	$371
Maryland Auto	$2945	$501

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Average Car Insurance in Upper Marlboro 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 Upper Marlboro, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Upper Marlboro, 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, Upper Marlboro's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Upper Marlboro

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

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Cheapest Car Insurance Rates for Teen Drivers in Upper Marlboro,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Upper Marlboro at $91 per month. At $9148 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$549	$91
Erie	$1710	$288
Travelers	$1819	$306
USAA	$1863	$314
State Farm	$2776	$467
Progressive	$3266	$550
Maryland Auto	$4983	$830
Nationwide	$5450	$918
Allstate	$9148	$1524

Teen Car Insurance Rates in MD by Age

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 Upper Marlboro, USAA is the cheapest car insurance provider. At $1315 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 Upper Marlboro is Allstate, offering rates of around $3412 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1315	$219
Progressive	$1469	$247
Nationwide	$1914	$322
Travelers	$2470	$419
Maryland Auto	$2945	$491
Erie	$3106	$528
State Farm	$6744	$1124
Allstate	$3412	$581

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Car Insurance Rates with An Accident in Upper Marlboro

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 Upper Marlboro, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Upper Marlboro

The cheapest car insurance companies after an at-fault accident in Upper Marlboro include Erie and USAA, offering $1044 and $1066, respectively. Allstate is an expensive provider with an average six-month premium of $4026.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1044	$176
USAA	$1066	$180
Travelers	$1125	$189
State Farm	$1264	$213
Progressive	$1506	$253
Nationwide	$2199	$370
Maryland Auto	$3850	$642
Allstate	$4026	$685

Upper Marlboro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Upper Marlboro MD. For example, the car insurance in Upper Marlboro after a DUI increases to $1387 for a six month policy. While the rate increases by $321 for a six-month policy in the case of a speeding ticket.

Upper Marlboro auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1476	$246
One Med/PIP claim	$1526	$260
Not-at-fault accident	$1585	$264
One comp claim	$1593	$271
Two Med/PIP claims	$1622	$271
Failure to wear a seat belt	$1673	$284
Failure to show documents	$1717	$287
Child safety restraint	$1732	$294
Two comp claims	$1732	$289
Driving with expired registration	$1775	$301
Cell phone violation	$1797	$300
Driving too slowly	$1797	$305
Failure to stop at a red light	$1797	$300
Failure to yield	$1797	$305
Following too closely	$1797	$300
Illegal turn	$1797	$305
Improper passing	$1797	$300
Speeding 11 - 15 MPH over limit	$1797	$305
Speeding 16 - 20 MPH over limit	$1797	$300
Speeding 6 - 10 MPH over limit	$1797	$305
Texting while driving	$1797	$300
Wrong way/wrong lane	$1797	$305
Speeding in school zone	$1819	$304
At-fault accident - less than $1000	$1856	$316
Passing school bus	$1863	$310
Driving without lights	$1871	$319
Open container	$1878	$312
Operating a vehicle without permission	$1899	$323
Speeding 21 - 25 MPH over limit	$1966	$327
In 65 MPH zone	$2148	$365
At-fault accident - $1000-$2000	$2214	$369
At-fault accident - greater than $2000	$2214	$376
Reckless driving	$2528	$422
Racing	$2718	$462
Driving with a suspended license	$2761	$460
Refusal to submit to a chemical test	$2850	$485
DUI	$2863	$477
Leaving scene of an accident/hit and run	$2886	$491

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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 Upper Marlboro 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 Upper Marlboro.

The cheapest car insurance premiums in Upper Marlboro are offered by Erie at $877 for a six-month policy. However, it can be as expensive as $4332 with companies like Maryland Auto.

Upper Marlboro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$877	$148
Travelers	$1205	$203
Progressive	$1622	$273
USAA	$1775	$299
Allstate	$2331	$389
State Farm	$2776	$467
Nationwide	$3799	$640
Maryland Auto	$4332	$737

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 Upper Marlboro are offered by USAA at $899. However, it can be as expensive as $2982 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Upper Marlboro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$899	$153
State Farm	$942	$159
Erie	$1074	$181
Progressive	$1307	$220
Travelers	$1739	$295
Nationwide	$2798	$466
Maryland Auto	$2945	$501
Allstate	$2982	$497

Car Insurance Price Trends in Upper Marlboro, Maryland

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

The average cost of full coverage in the Upper Marlboro rose by $277 in January compared to $262 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Upper Marlboro rose to $96 in January, compared to $95 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Upper Marlboro?

The car insurance in Upper Marlboro is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Upper Marlboro?

The cheapest car insurance in Upper Marlboro is $155 per month for full coverage.

How much is car insurance in Upper Marlboro for teenagers?

Car insurance for teenagers costs $549 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 Upper Marlboro?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $248 per month to insure your car in Upper Marlboro.

Is car insurance expensive in Upper Marlboro?

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

Cheapest Car Insurance Quotes in Upper Marlboro

Why you can trust Way?

How Much Is Car Insurance in Upper Marlboro

Avg. Car Insurance in Upper Marlboro

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Upper Marlboro

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Upper Marlboro Car Insurance Rates by Company

Cheap Car Insurance Companies in Upper Marlboro, MD

Way's key takeaways about car insurance in Upper Marlboro

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Upper Marlboro

Cheapest Liability Coverage in Upper Marlboro, MD

Cheapest Full Coverage Car Insurance in Upper Marlboro

Cheapest Full Coverage Car Insurance Quotes in Upper Marlboro, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Upper Marlboro by Rating Factor

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

Car Insurance Premiums by Age in Upper Marlboro

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Upper Marlboro,MD

If you are in your twenties N/A is the best choice for car insurance in Upper Marlboro.

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 Upper Marlboro

Cheapest Car Insurance Companies after an At-Fault Accident in Upper Marlboro

Upper Marlboro Car Insurance Rates by Violation

Upper Marlboro auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Upper Marlboro after a DUI

Upper Marlboro car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Upper Marlboro after Speeding ticket

Car Insurance Price Trends in Upper Marlboro, Maryland

Average Car Insurance Cost in Upper Marlboro by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Upper Marlboro, MD

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

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