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How much is car insurance in Upper Marlboro?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Upper Marlboro are about the same as the rest of Maryland.
Drivers relocating the Upper Marlboro should take note of the differences in average rates. It's about $40 more expensive for coverage in Upper Marlboro than the average rates for the U.S. as a whole.
While these are the average car insurance rates for Upper Marlboro, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Upper Marlboro and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Upper Marlboro drivers may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Upper Marlboro is about $28 per month. Looking at the table above, you can see that female drivers pay around $103 on average, while male drivers typically pay $131 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Upper Marlboro with a single accident will pay around $140 a month. In addition, drivers with a single ticket on their record can expect to pay around $121 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$106|
|15 Years or Older||$100|
As you can see in the first table above, the cheapest vehicles to insure in Upper Marlboro are usually trucks and vans, which run about $103 per month.
Car owners, on the other hand, by and large pay around $123 a month, while SUV drivers can expect to pay about $106 per month for auto insurance.
The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. In Upper Marlboro, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$132|
On average, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Upper Marlboro can be as much as $51 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $14 less than drivers who own property in Upper Marlboro. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Upper Marlboro, MD
Recent trends in car insurance for Upper Marlboro drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Auto insurance rates in Upper Marlboro had been increasing from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $136 a month.
How does Upper Marlboro compare to neighboring areas?
Why are car insurance rates in Upper Marlboro different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Local laws
- General road safety (how many accidents each locality has)
- Total number of drivers
- Regional crime rates
- Access to off-street parking
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Upper Marlboro?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Upper Marlboro in no time.
Upper Marlboro Insurance FAQs
What factors affect car insurance quotes in Upper Marlboro?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Upper Marlboro different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Upper Marlboro?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Upper Marlboro?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Upper Marlboro or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.