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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, car insurance rates in Upper Marlboro are about the same as the rest of Maryland.
On the flip side, the expected monthly payments for an auto insurance policy in Upper Marlboro are above the national average. Coverage in Upper Marlboro is about $40 more expensive than it is for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Upper Marlboro residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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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. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates begin to increase again once you hit retirement age in Upper Marlboro.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Upper Marlboro is about $19 per month. As you can see in the chart above, car insurance for women in the area typically costs around $110 each month, while men pay $129 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Upper Marlboro, having a single accident on your record will usually get you rates around $148 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $117.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$113|
|15 Years or Older||$101|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Upper Marlboro, with drivers paying around $104 per month for insurance coverage.
SUV drivers will see rates of about $113, while the rates for car owners average out to about $123 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Upper Marlboro are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$131|
Overall, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Upper Marlboro is about $49 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $9 less than homeowners in Upper Marlboro. But if you live with your parents, you can expect to pay a lot more.
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
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Upper Marlboro, car insurance rates have been mixed over the past few years. They did, however, turn downward from $141 in 2020 to $125 in 2022.
How does Upper Marlboro compare to neighboring areas?
Why are car insurance rates in Upper Marlboro different from other areas?
Car insurance companies take in a variety of factors when figuring out how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Prevalence of crime
- Number of drivers in the region
- Community regulations
- Road Safety (frequency of local car accidents)
- Amount of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Upper Marlboro?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in Upper Marlboro.
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Upper Marlboro Insurance FAQs
What factors affect car insurance quotes in Upper Marlboro?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Upper Marlboro different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Upper Marlboro?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Upper Marlboro or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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