120+ more*Quotes generated for Insurify users in and around Melbourne, Florida within the last 10 days. Last updated on July 9, 2026. 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 July 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Drivers in Melbourne, Florida, pay an average of $197 per month for full-coverage car insurance and $123 for state-minimum liability insurance. That’s higher than in nearby Cocoa but less than in Orlando. It’s also lower than the state average in Florida.
Melbourne’s car insurance rates are lower than those in other nearby cities, partly due to its lower population density. The city has about 1,900 residents per square mile. For comparison, Orlando has nearly 2,800 people per square mile.[1]
The cheapest full-coverage car insurance company in Melbourne is State Farm, with an average rate of $110 per month.
State Farm offers the cheapest liability coverage, at an average of $68 per month.
Florida requires drivers to have at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability coverage.[2] But Melbourne sits on the Atlantic coast, which is prone to hurricanes and tropical storms, so you may want to purchase full coverage for added protection. Full-coverage car insurance helps pay for repairs if severe weather damages your vehicle.
Below, you’ll find the cheapest companies for both liability-only and full-coverage insurance in Melbourne, Florida.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $68 |
| Progressive | $69 |
| Clearcover | $72 |
| Mile Auto | $73 |
| GEICO | $77 |
| Embark | $89 |
| Dairyland | $91 |
| Direct Auto | $102 |
| GAINSCO | $102 |
| Mercury | $103 |
| The General | $108 |
| Bristol West | $115 |
| Allstate | $119 |
| AssuranceAmerica | $119 |
| National General | $123 |
| Insurify Car | $132 |
| Root | $135 |
| Travelers | $140 |
| Hugo | $172 |
| Mendota | $190 |
| First Acceptance | $194 |
| Liberty Mutual | $195 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $110 |
| Progressive | $122 |
| Mile Auto | $138 |
| Mercury | $154 |
| GEICO | $160 |
| National General | $162 |
| Direct Auto | $172 |
| Clearcover | $180 |
| Bristol West | $181 |
| Allstate | $191 |
| The General | $207 |
| AssuranceAmerica | $217 |
| Embark | $219 |
| Travelers | $227 |
| GAINSCO | $243 |
| Root | $243 |
| Liberty Mutual | $255 |
| Dairyland | $272 |
| First Acceptance | $284 |
| Mendota | $300 |
Pay your first week’s premium and get immediate proof of insurance
Punta Gorda has some of the cheapest car insurance premiums in Florida, with monthly rates averaging $147. Miami Gardens is the priciest city for car insurance in the state, with rates averaging $265 per month.
Melbourne’s premiums fall between these two, though its rates tend to be on the lower end of coastal cities. Premiums in nearby West Palm Beach, for example, are significantly higher.
These lower premiums could be due to the city’s lower accident rates. Fewer than 8,400 accidents occurred in Brevard County in 2024, according to the Florida Department of Health.[3] Nearby Palm Beach County had more than 26,000.
The following table shows average car insurance rates across various Florida cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $168 |
| Clearwater | $174 |
| Davenport | $187 |
| Daytona Beach | $175 |
| Fort Lauderdale | $217 |
| Fort Myers | $178 |
| Gainesville | $156 |
| Hollywood | $217 |
| Jacksonville | $186 |
| Jupiter | $163 |
| Lakeland | $175 |
| Melbourne | $160 |
| Miami | $238 |
| Naples | $161 |
| Ocala | $169 |
| Orlando | $207 |
| Palm Bay | $169 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $221 |
| Riverview | $217 |
| Sarasota | $157 |
| Spring Hill | $197 |
| St. Petersburg | $184 |
| Tallahassee | $166 |
| Tampa | $239 |
| West Palm Beach | $223 |
| Winter Haven | $180 |
Here are a few important things to know if you’re driving in Melbourne:
Prepare for congestion. Roads around the Melbourne Orlando International Airport can get busy, particularly during high-tourism seasons and the holidays.
Avoid high-traffic roads. Some Melbourne roads see as many as 35,000 vehicles per day. U.S. Highway 1 is one of the most-traveled roadways in the city. More cars on the road increase your risk of an accident.
Know local flood zones. Melbourne has flood zones throughout the city. The Federal Emergency Management Agency (FEMA) considers areas along Crane Creek and the Atlantic coast to be Special Flood Hazard Areas.
For the most up-to-date information, you can follow the city’s traffic advisories website.
Your driving record has a big effect on your car insurance premiums. Drivers with accidents, speeding tickets, or driving under the influence (DUI) convictions typically pay higher premiums than drivers with a clean record.
In Melbourne, more than 3% of drivers have a ticket, according to Insurify data. About 4% have an accident on their record.
Insurify data also shows that 1% of Melbourne drivers have a DUI on their record. Melbourne — and Florida in general — takes DUIs seriously. Penalties can range from $1,000 to $5,000 in fines and up to five years in prison.[4]
The table below shows how average rates vary for drivers with different records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $160 |
| Speeding ticket | $187 |
| At-fault accident | $203 |
| DUI | $209 |
Age also affects your car insurance premiums, with new drivers and teens paying higher rates than older, more experienced drivers.
Currently, 17% of Melbourne residents are younger than age 18, while more than 22% are age 65 or older, according to the U.S. Census Bureau. That means a large number of Melbourne drivers have significant on-the-road experience, which could contribute to the city’s lower premiums.
The table below shows average insurance rates for Melbourne drivers in different age groups.
Age | Average Monthly Quote |
|---|---|
| Teens | $193 |
| 20s | $135 |
| 30s | $121 |
| 40s | $118 |
| 50s | $109 |
| 60s | $102 |
| 70+ | $106 |
*Quotes generated for Insurify users in and around Melbourne, Florida within the last 10 days. Last updated on July 9, 2026. 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 July 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Below, we answered some common questions from drivers about car insurance in Melbourne, Florida.
Car insurance in Melbourne, Florida, costs an average of $160 per month. Liability-only coverage averages $123, and full coverage costs $197 per month. How much you pay for car insurance depends on several factors, including your age and the car you drive.
Yes. Florida requires all drivers to have at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability coverage.
Shopping around for car insurance is one of the best ways to save on coverage in Melbourne. Checking for discounts and bundling your policy with your homeowners insurance can also reduce your premiums.
Full-coverage FR-44 insurance costs an average of $233 per month in Melbourne, according to Insurify data. Liability-only FR-44 coverage averages $145.
Many factors affect car insurance rates in Melbourne, including accident rates, hurricane risk, tourism, and the age of local drivers. Personal details like your age, ZIP code, and gender also affect how much you pay for car insurance. Melbourne’s rates are typically lower than those of nearby cities.
Yes. While there aren’t any car insurance discounts specific to Melbourne drivers, most insurers offer a wide variety of other discounts. Many insurers have discounts for bundling policies, safe driving, and completing an approved driving course. Check with your insurance company to find out what discounts it offers.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
25 years teaching risk management and insurance course
Former commercial lines underwriter
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.