Cheapest Auto Insurance in Melbourne, Florida (2024)
With monthly liability rates as low as $53, State Farm is the cheapest car insurance company in Melbourne.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 21, 2024
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Table of contents
Melbourne, Florida, residents have plenty of year-round options for entertainment and day trips within driving distance — but you need car insurance to drive to places like the Kennedy Space Center. Melbourne drivers pay lower-than-average car insurance rates, possibly due to the city’s smaller population compared to neighboring cities like Orlando and Palm Bay.
Car insurance in Melbourne costs an average of $124 per month for liability-only coverage and $196 for full coverage, compared to the state monthly averages of $157 for liability coverage and $248 for full coverage.
When searching for car insurance in Melbourne, it’s important to compare quotes and prioritize finding the right coverage for your needs rather than solely focusing on the lowest price available.
Quick Facts
State Farm, GEICO, and Mile Auto have the cheapest car insurance in Melbourne.
Average Melbourne car insurance rates are significantly lower than the national monthly averages of $104 for liability coverage and $204 for full coverage.
Melbourne drivers pay a yearly average of $2,355 for full-coverage policies.
3 of the cheapest car insurance companies in Melbourne
When looking for the ideal car insurance company in Melbourne, it’s essential to thoroughly evaluate your specific needs and circumstances. The cheapest car insurance company can differ based on factors such as your driving history, vehicle type, and desired coverage options.
Here are a few affordable car insurance companies in Melbourne, their different rates, and standout features.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $83 | $68 | Full coverage |
| GEICO | 9.0 | $86 | $69 | Senior drivers |
| Allstate | 8.9 | $145 | $117 | Drivers with at-fault accidents |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $66/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
As one of the largest insurers in the country, State Farm offers a long list of car insurance coverages to help Melbourne drivers protect themselves on the road. In addition to liability coverage, it offers collision and comprehensive car insurance, medical payments coverage, and rental car reimbursement coverage.
Pros
Many potential discounts
Diverse selection of coverage options
Cons
No gap insurance available
Can’t purchase a policy online
Best insurer for senior drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $68/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers car insurance that brings peace of mind to seniors. With 85 years of experience in the industry that older drivers can trust, it’s built a reputation for reliability. Seniors can benefit from free quotes and various discounts, allowing them to save on their car insurance.
Pros
Highly rated mobile app
Renters, condo, and home insurance bundling available
Cons
No gap insurance available
Lower J.D. Power customer satisfaction rating in Florida than competitors
Best insurer for drivers with at-fault accidents: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $92/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $114/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate car insurance is particularly good for drivers dealing with high insurance rates after an accident. It prioritizes customer support by providing easy access to knowledgeable agents and innovative tools like Drivewise, which can assist drivers in saving money on their premiums.
Pros
Offers telematics program to potentially lower rates with safe driving
Provides coverage for hybrids and classic cars
Cons
Higher average rates than top competitors
Received numerous low reviews on Trustpilot
How to get the cheapest car insurance in Melbourne
Getting cheap rates requires a bit of research and work on your part. While you’re searching for affordable Melbourne car insurance rates, remember these important tips:
Compare quotes. Don’t settle for the first offer you receive — shop around and compare quotes from various insurance companies to find the best rate that suits your specific needs. The goal here is to find the right coverage at the right price, not the lowest possible price.
Bundle and save. Consider bundling your car insurance with other insurance products, like renters insurance or homeowners insurance, to potentially qualify for multi-policy discounts and maximize your savings.
Prioritize safe driving. Always practice responsible driving, follow traffic laws, and minimize accidents and violations to maintain a clean record, as this can positively affect your insurance rates.
Inquire about discounts. Don’t be shy. Call insurance agents at various companies and ask about available discounts, such as those for good driving records, safety features, or good grades if you have a teenage driver in your household.
Find Cheap Car Insurance in Melbourne
Liability rates start at $53 per month
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Cheapest liability-only car insurance in Melbourne: State Farm
Almost every state, including Florida, requires liability car insurance, which provides coverage in the event you cause an accident. Because this type of auto insurance coverage is the bare minimum that Florida requires for drivers, it’s typically cheaper than many other policies.
The average rate for liability-only coverage is $124 per month in Melbourne.
Here are some of the car insurance companies in Melbourne that provide the most affordable liability-only policies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $53 |
| GEICO | $54 |
| Mile Auto | $90 |
| Allstate | $92 |
| Travelers | $110 |
| Mercury | $121 |
| Direct Auto | $126 |
| Safeco | $140 |
| Progressive | $143 |
| Infinity | $153 |
| Foremost | $164 |
| GAINSCO | $177 |
| Dairyland | $178 |
| Bristol West | $195 |
| AssuranceAmerica | $199 |
| National General | $220 |
| The General | $241 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Melbourne: State Farm
Liability-only car insurance plays a crucial role in providing coverage for damages and injuries in an accident you cause, but it falls short of covering your own vehicle. In contrast, full-coverage car insurance offers comprehensive and robust protection that extends beyond liability, ensuring a higher level of financial security.
Full coverage is also more expensive. The average rate for full coverage is $196 per month in Melbourne.
Here are the cheapest full-coverage policies in Melbourne, according to Insurify data.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $66 |
| GEICO | $68 |
| Allstate | $114 |
| Mile Auto | $116 |
| Travelers | $136 |
| Safeco | $147 |
| Mercury | $151 |
| Progressive | $210 |
| Infinity | $214 |
| National General | $229 |
| GAINSCO | $244 |
| Direct Auto | $245 |
| Foremost | $248 |
| Bristol West | $279 |
| Dairyland | $310 |
| AssuranceAmerica | $330 |
| The General | $343 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Melbourne, Florida
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $71/mo for full coverage in Melbourne and other Florida cities.
*Quotes generated for Insurify users in and around Melbourne, Florida within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Melbourne, Florida within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Florida law requires drivers to provide proof of insurance for personal injury protection (PIP) and property damage liability coverage.
PIP covers 80% of medical expenses, up to $10,000, for covered injuries, regardless of fault. Property damage liability provides coverage for damages that the policyholder causes. It’s essential to maintain continuous coverage, even during periods when the vehicle isn’t actively in use.
Here’s how much coverage Florida requires all drivers to carry:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
Florida’s minimum car insurance requirements are extremely low compared to other state requirements. It’s a good idea to purchase higher limits or add more coverages to your auto policy, especially if you drive a new car. Consider these additional auto coverage options for more protection:
Collision coverage
Collision insurance pays for damages to your vehicle from collisions, either with an object or another vehicle, even if you’re at fault.
Comprehensive coverage
Comprehensive insurance expands your protection beyond collisions to include theft and damages caused by non-collision incidents, such as fire, vandalism, theft, falling objects, and natural disasters.
Gap coverage
Gap insurance acts as a safety net if you have a financed or leased vehicle, covering the difference between your auto loan balance and the insurance settlement in case of a total loss.
Glass coverage
This is for dedicated protection for windshield and glass damage, with some policies offering no-deductible coverage for side windows, rear windows, and glass sunroofs.
)
How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
When drivers have a past with incidents — such as driving under the influence (DUI), speeding tickets, at-fault accidents, or other moving violations — finding cheap car insurance becomes crucial.
It’s important to remember that these incidents typically result in increased insurance premiums due to the higher probability of future claims they signify.[2] Here are the average costs for drivers with incidents on their records.
Find Car Insurance in Melbourne, FL
Monthly rates start at $61 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Brevard County, where Melbourne is located, reported 14,000 speeding violations in 2022.[3] Speeding tickets can cause a surge in your car insurance rates. Insurance companies associate speeding violations with an increased risk of accidents and claims, leading to higher premiums, even if you don’t cause an accident. It’s important to drive safely and avoid further violations.
Drivers in Melbourne pay an average of $151 per month for liability coverage. You can find the cheapest average monthly car insurance rates, despite having a speeding ticket, below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $53 | $63 |
| GEICO | $54 | $65 |
| Mile Auto | $90 | $110 |
| Allstate | $92 | $111 |
| Travelers | $110 | $134 |
| Mercury | $121 | $157 |
| Direct Auto | $126 | $152 |
| Safeco | $140 | $172 |
| Progressive | $143 | $171 |
| Infinity | $153 | $191 |
| Foremost | $164 | $214 |
| GAINSCO | $177 | $231 |
| Dairyland | $178 | $215 |
| Bristol West | $195 | $237 |
| AssuranceAmerica | $199 | $240 |
| National General | $220 | $267 |
| The General | $241 | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Like having a speeding ticket on your record, causing a car accident can lead to a significant spike in your car insurance rates due to the likelihood of increased claims.
In Melbourne, drivers pay an average of $163 per month for liability coverage. How much your premiums increase typically depends on the severity of the accident.[2] In 2022, Brevard County reported more than 9,000 car crashes and 91 fatalities from those accidents.[4]
If you’re searching for the cheapest car insurance companies in Melbourne with an at-fault accident on your record, refer to the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $53 | $68 |
| GEICO | $54 | $70 |
| Mile Auto | $90 | $120 |
| Allstate | $92 | $119 |
| Travelers | $110 | $143 |
| Mercury | $121 | $168 |
| Direct Auto | $126 | $167 |
| Safeco | $140 | $180 |
| Progressive | $143 | $186 |
| Infinity | $153 | $194 |
| Foremost | $164 | $227 |
| GAINSCO | $177 | $219 |
| Dairyland | $178 | $228 |
| Bristol West | $195 | $252 |
| AssuranceAmerica | $199 | $252 |
| National General | $220 | $284 |
| The General | $241 | $318 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Insurance companies consider DUIs to be a strong indicator of risky driving behavior, increasing the chances of accidents and claims. As a result, having a DUI on your record leads to higher insurance rates.
In Melbourne, drivers with a DUI pay an average of $188 per month for liability coverage. Florida may also require you to purchase FR-44 insurance coverage and have proof of insurance on file with the state for three years.
If you’re searching for the cheapest car insurance companies for Melbourne drivers with a DUI on their record, see the following table.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $53 | $84 |
| GEICO | $54 | $85 |
| Mile Auto | $90 | $142 |
| Allstate | $92 | $146 |
| Travelers | $110 | $174 |
| Mercury | $121 | $176 |
| Direct Auto | $126 | $199 |
| Safeco | $140 | $205 |
| Progressive | $143 | $226 |
| Infinity | $153 | $242 |
| Foremost | $164 | $260 |
| GAINSCO | $177 | $280 |
| Dairyland | $178 | $282 |
| Bristol West | $195 | $309 |
| AssuranceAmerica | $199 | $315 |
| National General | $220 | $348 |
| The General | $241 | $381 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
As drivers gain experience and approach their mid-30s, rates tend to decrease, as long as they maintain a clean driving record. But once drivers reach around 70 years old, premiums may undergo a slight increase due to factors such as potential health concerns and increased accident risks.[5]
Seniors in Melbourne pay an average of $100 per month for liability coverage.
This table outlines the Melbourne auto insurance companies that offer senior drivers some of the lowest average monthly quotes.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $51 | $41 |
| GEICO | $53 | $42 |
| Mile Auto | $86 | $67 |
| Allstate | $90 | $73 |
| Travelers | $105 | $85 |
| Mercury | $118 | $94 |
| Safeco | $124 | $118 |
| Progressive | $149 | $102 |
| Infinity | $162 | $116 |
| National General | $172 | $166 |
| Direct Auto | $188 | $97 |
| Foremost | $195 | $129 |
| GAINSCO | $202 | $146 |
| Bristol West | $220 | $154 |
| Dairyland | $244 | $140 |
| AssuranceAmerica | $246 | $148 |
| The General | $274 | $193 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: GEICO
Teen and young drivers face significantly higher car insurance rates than older drivers. Their lack of maturity and driving experience can cause concern for insurance companies that they’re more likely to file claims.[6]
Teens in Melbourne pay an average of $205 per month for liability coverage.
For teenagers, one effective approach to securing affordable car insurance is to remain on a parent’s car insurance policy, as it often leads to lower rates. Additionally, you can get affordable insurance coverage by choosing a safe and reliable vehicle equipped with advanced safety features and maintaining good grades to qualify for good student discounts.
For a comprehensive overview of the lowest average monthly car insurance quotes available for teens in Melbourne, take a look at the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| GEICO | $107 | $85 |
| State Farm | $112 | $90 |
| Allstate | $201 | $162 |
| Mile Auto | $222 | $172 |
| Travelers | $243 | $197 |
| Mercury | $264 | $211 |
| Safeco | $280 | $267 |
| Progressive | $364 | $248 |
| Infinity | $380 | $271 |
| GAINSCO | $416 | $302 |
| Foremost | $435 | $288 |
| Direct Auto | $443 | $228 |
| National General | $446 | $429 |
| Bristol West | $464 | $324 |
| Dairyland | $493 | $283 |
| The General | $537 | $377 |
| AssuranceAmerica | $599 | $361 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Melbourne car insurance quotes by credit tier
In Florida, auto insurers can use credit history when determining insurance rates, although it can’t be the only factor. A driver’s credit score has a substantial influence on insurance rates — drivers with excellent or good credit scores have lower premiums due to their lower perceived risk. Conversely, drivers with poor credit scores may face higher premiums, reflecting the increased risk.
Here are the average monthly car insurance quotes for Melbourne drivers across different credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Melbourne?
On average, full-coverage car insurance in the U.S. costs $204 per month. Melbourne residents face a similar average monthly premium of $160 for similar coverage.
It’s important to note that car insurance rates can vary greatly, depending on factors like weather conditions, crime rates, and traffic volume within a city.[6] Compared to Melbourne rates, drivers in other cities pay more for car insurance on average, and those different rates vary greatly.
More cities in Florida
Compared to many other cities in Florida, Melbourne boasts much cheaper car insurance rates. But cities like Miami, notorious for their elevated levels of reckless driving, tend to experience even higher average car insurance costs.[3]
Here’s how car insurance quotes in other Florida cities compare to Melbourne’s.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Cape Coral | $233 | $128 |
| Clearwater | $240 | $164 |
| Fort Lauderdale | $310 | $202 |
| Jacksonville | $247 | $148 |
| Miami | $354 | $217 |
| Ocala | $207 | $132 |
| Orlando | $263 | $167 |
| Pensacola | $230 | $131 |
| Tallahassee | $218 | $136 |
| Tampa | $332 | $232 |
| Winter Haven | $275 | $156 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Melbourne car insurance FAQs
Understanding the ins and outs of Melbourne car insurance can help you shop for the best rates that meet your specific needs. Here are the answers to common questions about car insurance in the city.
How much is car insurance in Melbourne?
The average cost of car insurance in Melbourne is $124 per month for liability-only coverage and $124 per month for full-coverage insurance.
What are the best car insurance companies in Melbourne?
Some of the best car insurance companies in Melbourne include Allstate, GEICO, and State Farm. These companies have high customer satisfaction ratings, strong financial strength ratings, and solid Insurify Quality Scores.
Which company has the cheapest car insurance in Melbourne?
State Farm offers the cheapest car insurance in Melbourne, with rates starting at $53 per month for liability coverage. GEICO and Mile Auto also offer affordable rates in the area, with monthly rates of $54 and $90.
How can you save on car insurance in Melbourne?
If you want to save money on car insurance in Melbourne, the first thing you can do is shop for a new policy. Look for insurance companies that have plenty of discounts you can qualify for and get quotes. Then, choose the best option with an affordable price for you.
You can also reconsider your current auto policy — if you can comfortably lower your limits, remove some coverage options, or raise your deductible, you may be able to save money on premiums.
What’s the minimum car insurance requirement in Florida?
Florida car insurance requirements are $10,000 per accident for property damage liability and $10,000 per accident for personal injury protection (PIP).[1]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Florida
Sources
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- Florida Department of Highway Safety and Motor Vehicles. "Annual Uniform Traffic Citation Report."
- Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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