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 $120 per month for liability-only coverage and $190 for full coverage, compared to the state monthly averages of $135 for liability coverage and $217 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	$144	$103	Full coverage
GEICO	9.2	$203	$117	Senior drivers
Allstate	8.9	$250	$179	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 16,973 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.	$91/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.	$128/mo

Details

Driver Reviews

4.0

Best choiceBased on 16,973 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Melbourne driversSee all 7,371 State Farm reviews

Mary

Verified Review

High 5 to State Farm

Reviewed in Florida on April 12, 2026

I have had great customer service since I joined them almost 2 years ago, and the rate I pay is cheaper than every other insurance company that claims to be able to get me a cheaper rate. If it ain't broke, don't fix it.

Norma

Verified Review

Insured

Reviewed in Florida on April 12, 2026

It's okay, but I can only afford state-required coverage.

Catherine

Verified Review

Expensive

Reviewed in Florida on April 8, 2026

They keep raising their rates regardless of how long you have been insured by them.

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Our Advice

JD Power

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

650

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	3.9 17,214 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.	$104/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.	$179/mo

Details

Driver Reviews

3.9

A solid optionBased on 17,214 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Melbourne driversSee all 7,595 GEICO reviews

Jan

Verified Review

Good service at a cost

Reviewed in Florida on April 12, 2026

Good service, but too expensive.

Kathleen

Verified Review

Too much money

Reviewed in Florida on April 10, 2026

Too much money. I've never had an accident, and they keep raising my rates.

Julie

Verified Review

Goodbye Geico!

Reviewed in Florida on April 7, 2026

Not sure why I had to pay so much (around $135/month) for the minimum coverage (PIP). That is why I shopped around and finally switched to Progressive, which is slightly cheaper.

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Our Advice

JD Power

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

629

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 10,161 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.	$159/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.	$221/mo

Details

Driver Reviews

3.8

A solid optionBased on 10,161 verified driver reviews and ratings

	Allstate's score	Industry average
Coverage options	3.8	3.2
Customer service	3.8	3.6
Discounts	3.8	2.9
Policy transparency	3.6	3.1
Value	3.3	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Accident forgiveness

Wide availability

Cheap rates

Showing 75 Florida reviews for Melbourne driversSee all 4,375 Allstate reviews

Joseph

Verified Review

I am trying to reach a comfortable amount to pay for the amount of driving I do.

Reviewed in Florida on April 10, 2026

Too expensive for the driving I do. I only put about 1300 miles or less on the road a year.

Mike

Verified Review

Good

Reviewed in Florida on April 8, 2026

Excellent service.

Alan

Verified Review

Disappointed

Reviewed in Florida on April 7, 2026

Low rate to start and then at 6 months, they almost doubled the rate. The company is disappointing.

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Our Advice

JD Power

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

643

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 $84 per month

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Cheapest liability-only car insurance in Melbourne: Progressive

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 $120 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, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
Progressive	$84
Mile Auto	$91
State Farm	$91
Clearcover	$94
GEICO	$104
Dairyland	$107
Embark	$116
Infinity	$118
Mercury	$130
Direct Auto	$131
GAINSCO	$134
The General	$141
Bristol West	$151
Root	$158
Allstate	$159
AssuranceAmerica	$162
National General	$162
Travelers	$189
Mendota	$245
First Acceptance	$257
Liberty Mutual	$257
Liberty Mutual	$257

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 $190 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, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$128
Progressive	$143
Mile Auto	$147
Mercury	$174
GEICO	$179
National General	$188
Clearcover	$195
Direct Auto	$198
Bristol West	$212
Allstate	$221
Infinity	$222
The General	$232
Embark	$252
Root	$254
AssuranceAmerica	$255
Travelers	$263
GAINSCO	$272
Liberty Mutual	$291
Liberty Mutual	$291
Dairyland	$302
First Acceptance	$329
Mendota	$335

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 $95 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Progressive

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 $140 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, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$84	$98
Mile Auto	$91	$107
State Farm	$91	$112
Clearcover	$94	$116
Dairyland	$107	$128
GEICO	$104	$132
Embark	$116	$135
Infinity	$118	$145
GAINSCO	$134	$155
Direct Auto	$131	$159
Mercury	$130	$174
The General	$141	$183
Bristol West	$151	$184
AssuranceAmerica	$162	$199
Allstate	$159	$200
Root	$158	$204
Travelers	$189	$237
Mendota	$245	$286
First Acceptance	$257	$300
Liberty Mutual	$257	$316
Liberty Mutual	$257	$316

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: Progressive

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 $153 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, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Progressive	$84	$107
State Farm	$91	$118
Mile Auto	$91	$121
Clearcover	$94	$133
GEICO	$104	$134
Dairyland	$107	$139
Embark	$116	$148
Infinity	$118	$153
GAINSCO	$134	$169
Direct Auto	$131	$176
The General	$141	$191
Mercury	$130	$191
Bristol West	$151	$196
Root	$158	$208
Allstate	$159	$210
AssuranceAmerica	$162	$211
Travelers	$189	$250
Mendota	$245	$313
First Acceptance	$257	$328
Liberty Mutual	$257	$335
Liberty Mutual	$257	$335

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: Progressive

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 $159 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, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Progressive	$84	$111
Mile Auto	$91	$126
State Farm	$91	$126
Clearcover	$94	$130
GEICO	$104	$142
Dairyland	$107	$148
Embark	$116	$154
Infinity	$118	$163
Direct Auto	$131	$181
GAINSCO	$134	$185
The General	$141	$188
Mercury	$130	$190
Bristol West	$151	$209
Allstate	$159	$220
Root	$158	$220
AssuranceAmerica	$162	$224
Travelers	$189	$261
Mendota	$245	$324
First Acceptance	$257	$340
Liberty Mutual	$257	$355
Liberty Mutual	$257	$355

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: Progressive

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 $108 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, April 5 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$103	$73
Mile Auto	$119	$73
Progressive	$129	$76
Mercury	$142	$106
GEICO	$146	$85
Infinity	$165	$88
Direct Auto	$166	$110
Clearcover	$177	$85
Bristol West	$181	$129
Allstate	$184	$132
The General	$202	$123
AssuranceAmerica	$205	$130
Travelers	$215	$155
Root	$217	$135
Embark	$227	$104
GAINSCO	$237	$117
Liberty Mutual	$248	$219
Liberty Mutual	$248	$219
Dairyland	$262	$93
First Acceptance	$296	$231
Mendota	$302	$221

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: Progressive

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 in Melbourne, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$242	$172
Progressive	$244	$143
Mile Auto	$295	$183
Mercury	$309	$231
Clearcover	$310	$150
GEICO	$315	$183
Bristol West	$365	$260
Infinity	$371	$197
Direct Auto	$374	$248
The General	$404	$245
Allstate	$426	$306
Root	$429	$267
Embark	$430	$198
GAINSCO	$475	$234
Liberty Mutual	$495	$437
Liberty Mutual	$495	$437
Dairyland	$508	$180
AssuranceAmerica	$514	$327
Travelers	$535	$384
First Acceptance	$562	$439
Mendota	$572	$418

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 $183 per month. Melbourne residents face a similar average monthly premium of $155 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	$203	$127
Clearwater	$209	$135
Fort Lauderdale	$246	$172
Jacksonville	$220	$141
Miami	$272	$184
Ocala	$200	$128
Orlando	$239	$161
Pensacola	$201	$118
Tallahassee	$201	$120
Tampa	$272	$187
Winter Haven	$225	$126

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