Cheapest Car Insurance Quotes in Upper Marlboro

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Upper Marlboro Car Insurance

^$ 60

/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 Upper Marlboro

The car insurance rate in Upper Marlboro is $1219 for a six-month policy, which is $203 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $892, 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

$1219

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Upper Marlboro

1st place: Kemper

At $892 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $962 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 $984 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 $892 for a six-month term. This is followed by USAA, which has an average six-month premium of $962.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2281 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	$892	$151
USAA	$962	$162
State Farm	$984	$166
Travelers	$984	$166
Nationwide	$1140	$192
Erie	$1176	$198
Progressive	$1340	$226
Allstate	$2281	$384

Key Takeaways

Way's key takeaways about car insurance in Upper Marlboro

The auto insurance costs in Upper Marlboro fall around $892 for six months.
The cheapest auto insurance company in Upper Marlboro is USAA.
Teen drivers pay the highest rate in Upper Marlboro at $1602 per month.

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Save up to $971/yr with our auto insurance quotes

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 $356. Allstate is the most expensive at $1248 for the same period.

Cheapest Liability Coverage in Upper Marlboro, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$356	$60
Travelers	$492	$83
State Farm	$499	$84
Kemper	$506	$84
Erie	$528	$89
Progressive	$620	$104
Nationwide	$642	$108
Allstate	$1248	$210

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 $151 per month and $892 for six months.

Cheapest Full Coverage Car Insurance Quotes in Upper Marlboro, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$892	$151
USAA	$962	$162
State Farm	$984	$166
Travelers	$984	$166
Nationwide	$1140	$192
Erie	$1176	$198
Progressive	$1340	$226
Allstate	$2281	$384

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$822
30s	Travelers	$701
40s	Travelers	$638
50s	Travelers	$604
60s	Travelers	$677
70s	USAA	$715

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 $9516 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$535	$91
Erie	$1390	$234
Travelers	$1625	$274
USAA	$1739	$293
State Farm	$2359	$397
Progressive	$3001	$505
Nationwide	$4505	$758
Allstate	$9516	$1602

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 Upper Marlboro.

As young drivers face the highest rates in Upper Marlboro, Travelers offers the cheapest auto insurance rates at $822 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 Upper Marlboro, USAA is the cheapest car insurance provider. At $1127 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 State Farm, offering rates of around $4262 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1127	$187
Progressive	$1162	$196
Nationwide	$1476	$248
Travelers	$2081	$354
Erie	$2444	$408
Allstate	$3329	$566
State Farm	$4262	$710

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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 $884 and $1006, respectively. Encompass is an expensive provider with an average six-month premium of $791.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$884	$149
USAA	$1006	$169
Travelers	$1019	$172
State Farm	$1098	$185
Progressive	$1333	$224
Nationwide	$1853	$312
Allstate	$4163	$701
Encompass	$791	$132

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 $1354 for a six month policy. While the rate increases by $313 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	$1440	$240
One Med/PIP claim	$1489	$253
Not-at-fault accident	$1547	$258
One comp claim	$1554	$264
Two Med/PIP claims	$1583	$264
Failure to wear a seat belt	$1632	$277
Failure to show documents	$1675	$280
Child safety restraint	$1690	$287
Two comp claims	$1690	$282
Driving with expired registration	$1732	$294
Cell phone violation	$1753	$293
Driving too slowly	$1753	$298
Failure to stop at a red light	$1753	$293
Failure to yield	$1753	$298
Following too closely	$1753	$293
Illegal turn	$1753	$298
Improper passing	$1753	$293
Speeding 11 - 15 MPH over limit	$1753	$298
Speeding 16 - 20 MPH over limit	$1753	$293
Speeding 6 - 10 MPH over limit	$1753	$298
Texting while driving	$1753	$293
Wrong way/wrong lane	$1753	$298
Speeding in school zone	$1775	$296
At-fault accident - less than $1000	$1811	$308
Passing school bus	$1818	$302
Driving without lights	$1825	$311
Open container	$1832	$305
Operating a vehicle without permission	$1853	$316
Speeding 21 - 25 MPH over limit	$1918	$319
In 65 MPH zone	$2095	$356
At-fault accident - $1000-$2000	$2160	$360
At-fault accident - greater than $2000	$2160	$367
Reckless driving	$2466	$412
Racing	$2652	$451
Driving with a suspended license	$2694	$449
Refusal to submit to a chemical test	$2780	$473
DUI	$2794	$466
Leaving scene of an accident/hit and run	$2815	$479

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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 $756 for a six-month policy. However, it can be as expensive as $3108 with companies like Nationwide.

Upper Marlboro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$756	$127
Travelers	$1105	$186
Progressive	$1440	$242
USAA	$1661	$280
State Farm	$2160	$364
Allstate	$2381	$401
Nationwide	$3108	$523

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 State Farm at $677. However, it can be as expensive as $2909 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
State Farm	$677	$114
USAA	$770	$131
Erie	$898	$151
Progressive	$1040	$175
Travelers	$1426	$238
Nationwide	$2024	$344
Allstate	$2909	$485

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 $256 in December compared to $254 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Upper Marlboro remained steady at $92 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 Upper Marlboro?

The car insurance in Upper Marlboro is $60 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 $151 per month for full coverage.

How much is car insurance in Upper Marlboro for teenagers?

Car insurance for teenagers costs $535 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 $1016 for a six-month policy. It will cost around $205 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: State Farm

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 Travelers 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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