Cheapest Auto Insurance in Melbourne, Florida (2026)

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 $142 per month for liability-only coverage and $176 for full coverage, compared to the state monthly averages of $164 for liability coverage and $203 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.

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	$116	$107	Full coverage
GEICO	9.2	$179	$159	Senior drivers
Allstate	8.9	$202	$185	Drivers with at-fault accidents

Disclaimer: Table data sourced from real-time Melbourne car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Melbourne may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

Full coverage

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User Reviews	4.0 7,164 reviews
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.	$94/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.	$102/mo

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Driver Reviews

4.0

Best choice in Melbourne, FLBased on 15,707 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Melbourne for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Melbourne for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Melbourne drivers - See all 7,164 State Farm reviews

Rosemary

Verified Review

Too Expensive

Reviewed in Florida on March 1, 2026

Very expensive. I've been with State Farm for over 40 years with no claims, and they are still raising rates on me.

Brian

Verified Review

Better insurance at a reasonable price

Reviewed in Florida on February 24, 2026

Too expensive. I've been with them for 20 plus years and can't get a break.

Begona

Verified Review

State Farm plays with numbers!

Reviewed in Florida on February 23, 2026

State Farm raised my payment in May 2025 to $352.30, June $352.30, July $355.42, August $355.42, September $355.43, October $467.60, November $495.20, December $495.20, January $464.27, February $468.58. This should be illegal; no notice in the mail. They are just playing with numbers, and I’m over it. That’s how I feel! This is crazy! Can State Farm do this? Tips to my friends: stay away.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

Senior Drivers

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User Reviews	4.0 7,412 reviews
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.	9.2 /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.	$141/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.	$158/mo

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Driver Reviews

4.0

Best choice in Melbourne, FLBased on 15,938 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Melbourne for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Melbourne for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Melbourne drivers - See all 7,412 GEICO reviews

Loretta

Verified Purchase

Buying Car Insurance

Reviewed in Florida on March 3, 2026

I was pleased with the price and experience.

Brett

Verified Review

GEICO keeps my rate lower than others - every time I check!

Reviewed in Florida on March 2, 2026

Consistently provides the least expensive rate for my coverage, which includes emergency service and rental.

Aleida

Verified Review

Not Very Good

Reviewed in Florida on February 27, 2026

After changing my address, my monthly payment increased by $31.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

Drivers with at-fault accidents

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User Reviews	3.8 4,262 reviews
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.	$164/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.	$178/mo

Show Details

Driver Reviews

3.8

A solid option in Melbourne, FLBased on 9,382 verified driver reviews and ratings

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best in Melbourne for

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best in Melbourne for

Accident forgiveness

Wide availability

Cheap rates

Showing 75 Florida reviews for Melbourne drivers - See all 4,262 Allstate reviews

Leslee

Verified Review

Basically satisfied with policy.

Reviewed in Florida on March 2, 2026

The experience has been very good; however, we feel like we need a policy that is more cost-effective.

Kenneth

Verified Review

Smug People Working in One Office

Reviewed in Florida on March 2, 2026

Allstate has a terrible crew. I never see the owner of the place, a smug guy that I don’t trust. Their prices are exceptionally high for nothing gained. I'm ready to find a new company to give my business to.

Joseph

Verified Review

Rising Rates, Zero Loyalty Considerations

Reviewed in Florida on March 1, 2026

They have been a good company for paying out on claims, but loyalty gets nothing in consideration to rates. I have been with them since 1982 and my rates are through the roof. They are always raising and NEVER offering a lower rate. I’m curious how much of my rate goes to agent commission.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.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 $94 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 $142 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 in Melbourne, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$94
Mile Auto	$114
Progressive	$124
GAINSCO	$127
Direct Auto	$137
Mercury	$140
GEICO	$141
The General	$152
Bristol West	$156
Infinity	$157
National General	$160
AssuranceAmerica	$162
Allstate	$164
Travelers	$195
Root	$200
Dairyland	$263
Liberty Mutual	$288

Disclaimer: Table data sourced from real-time Melbourne car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Melbourne 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 $176 per month in Melbourne.

Here are the cheapest full-coverage policies in Melbourne, according to Insurify data.

The below rates in Melbourne, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$102
Mile Auto	$149
GEICO	$158
Progressive	$162
Mercury	$169
Allstate	$178
Direct Auto	$186
National General	$187
Travelers	$212
Bristol West	$213
The General	$227
Infinity	$230
GAINSCO	$238
AssuranceAmerica	$258
Root	$260
Liberty Mutual	$289
Dairyland	$431

Disclaimer: Table data sourced from real-time Melbourne car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Melbourne 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.

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 $112 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 $165 per month for liability coverage. You can find the cheapest average monthly car insurance rates, despite having a speeding ticket, below.

The below rates in Melbourne, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$94	$115
Mile Auto	$114	$134
Progressive	$124	$144
GAINSCO	$127	$145
Direct Auto	$137	$165
Mercury	$140	$189
GEICO	$141	$178
The General	$152	$196
Bristol West	$156	$189
Infinity	$157	$192
National General	$160	$192
AssuranceAmerica	$162	$199
Allstate	$164	$206
Travelers	$195	$244
Root	$200	$257
Dairyland	$263	$315
Liberty Mutual	$288	$353

Disclaimer: Table data sourced from real-time Melbourne car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Melbourne 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 $178 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 in Melbourne, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$94	$121
Mile Auto	$114	$150
Progressive	$124	$155
GAINSCO	$127	$158
Direct Auto	$137	$182
Mercury	$140	$206
GEICO	$141	$178
The General	$152	$204
Bristol West	$156	$200
Infinity	$157	$198
National General	$160	$207
AssuranceAmerica	$162	$210
Allstate	$164	$214
Travelers	$195	$255
Root	$200	$260
Dairyland	$263	$338
Liberty Mutual	$288	$373

Disclaimer: Table data sourced from real-time Melbourne car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Melbourne 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 $201 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 in Melbourne, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$94	$136
Mile Auto	$114	$164
Progressive	$124	$176
GAINSCO	$127	$183
Direct Auto	$137	$198
Mercury	$140	$212
GEICO	$141	$202
The General	$152	$219
Bristol West	$156	$225
Infinity	$157	$226
National General	$160	$231
AssuranceAmerica	$162	$234
Allstate	$164	$236
Travelers	$195	$281
Root	$200	$291
Dairyland	$263	$379
Liberty Mutual	$288	$415

Disclaimer: Table data sourced from real-time Melbourne car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Melbourne 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 $127 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 in Melbourne, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
State Farm	$82	$75
Mile Auto	$120	$91
GEICO	$128	$115
Mercury	$138	$114
Progressive	$145	$111
Allstate	$148	$136
National General	$150	$129
Direct Auto	$153	$113
Infinity	$172	$118
Travelers	$173	$159
Bristol West	$181	$132
The General	$195	$130
GAINSCO	$206	$110
AssuranceAmerica	$206	$129
Root	$222	$171
Liberty Mutual	$247	$246
Dairyland	$373	$228

Disclaimer: Table data sourced from real-time Melbourne car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Melbourne may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

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 $246 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 in Melbourne, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
State Farm	$194	$179
GEICO	$276	$247
Progressive	$281	$215
Mile Auto	$301	$230
Mercury	$306	$253
Allstate	$345	$318
Direct Auto	$351	$258
National General	$371	$318
Bristol West	$372	$272
The General	$388	$260
Infinity	$419	$286
GAINSCO	$426	$227
Travelers	$431	$397
Root	$438	$337
Liberty Mutual	$497	$496
AssuranceAmerica	$525	$330
Dairyland	$713	$435

Disclaimer: Table data sourced from real-time Melbourne car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Melbourne may vary based on the policy buyer's unique driver profile.

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.

Is car insurance more expensive in Melbourne?

On average, full-coverage car insurance in the U.S. costs $173 per month. Melbourne residents face a similar average monthly premium of $159 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	$196	$156
Clearwater	$200	$164
Fort Lauderdale	$222	$186
Jacksonville	$206	$163
Miami	$260	$204
Ocala	$189	$163
Orlando	$229	$182
Pensacola	$192	$138
Tallahassee	$188	$142
Tampa	$262	$205
Winter Haven	$218	$160

Disclaimer: Table data is based on real-time Melbourne quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Melbourne car insurance FAQs