Urea is an important chemical with many biological and industrial applications. In this work, we develop a first-principles polarizable force field for urea crystals and aqueous solutions within the symmetry-adapted perturbation theory (SAPT) protocol with the SWM4-NDP model for water. We make three adjustments to the SAPT force field protocol: We augment the carbonyl oxygen atom of urea with additional interaction sites in order to address the "chelated" bent double hydrogen bonds in urea, we reduce the polarizability of urea by a factor of 0.70 to reproduce experimental in-crystal dipole moments, and we re-fit atomic pre-exponential parameters to correct the predicted liquid structure. We find that the resulting force field is in good agreement for the static and dynamic properties of aqueous urea solutions when compared to experiment or first-principles molecular dynamics simulations. The polarizable urea model accurately reproduces the crystal-solution phase diagram in the temperature range of 261 to 310 K; for which, it is superior to non-polarizable models. We expect that this force field will be useful in the modeling of complex biomolecular systems and enable studies of polarizability effects of solid-liquid phase behavior of complex fluids.