Cheapest Auto Insurance in Melbourne, Florida (2026)
With monthly liability rates as low as $84, Progressive is the cheapest car insurance company in Melbourne.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
Jacqueline DeMarcoFreelance Insurance Writer
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.
Featured in
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
){kind=small}
){kind=small}
)
Reviewed byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
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.
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 $120 per month for liability-only coverage and $190 for full coverage, compared to the state monthly averages of $165 for liability coverage and $204 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
Progressive, Mile Auto, and State Farm have the cheapest car insurance in Melbourne.
Average Melbourne car insurance rates are significantly lower than the national monthly averages of $99 for liability coverage and $173 for full coverage.
Melbourne drivers pay a yearly average of $2,281 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 | $116 | $106 | Full coverage |
| GEICO | 9.2 | $179 | $158 | 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.
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
| 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. | 9.3 /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 |
4.0
Best choice in Melbourne, FLBased on 16,551 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 7,299 State Farm reviews
Robert
Verified Review
State Farm
Reviewed in Florida on March 30, 2026
State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.
Peter
Verified Review
Had enough.
Reviewed in Florida on March 28, 2026
Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.
Sylvia
Verified Review
State Farm is too expensive!
Reviewed in Florida on March 28, 2026
I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.
James
Verified Review
State Farm is the best
Reviewed in Florida on March 27, 2026
State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.
Jacquelyn
Verified Review
Evaluation
Reviewed in Florida on March 23, 2026
My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.
Barbara
Verified Review
Competitors Admit They Can’t Compete with SF Prices
Reviewed in Florida on March 22, 2026
Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.
Rebscca
Verified Review
State Farm
Reviewed in Florida on March 22, 2026
The folks at the State Farm office are awesome. However, the insurance is way too expensive.
Linda
Verified Review
Reasonable Rates
Reviewed in Florida on March 21, 2026
My current rate is much more reasonable than other companies.
Troy
Verified Review
Great service, price is a little high
Reviewed in Florida on March 21, 2026
It's a little expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | 9.2 /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 |
4.0
Best choice in Melbourne, FLBased on 16,802 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 7,536 GEICO reviews
Pamala
Verified Review
Mostly Happy with Geico 😏
Reviewed in Florida on March 28, 2026
I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.
Jeffrey
Verified Review
Dump Geico, Go to Progressive
Reviewed in Florida on March 28, 2026
Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.
William
Verified Review
Excellent
Reviewed in Florida on March 26, 2026
I like them, but they're just too expensive.
Laura
Verified Review
Paying Too Much
Reviewed in Florida on March 21, 2026
Paying for a no-fault accident.
Gerald
Verified Review
Shop for insurance
Reviewed in Florida on March 21, 2026
Check around for lower prices.
Joseph
Verified Review
Great
Reviewed in Florida on March 21, 2026
Great customer support.
Jeff
Verified Review
Doubling my premium
Reviewed in Florida on March 20, 2026
I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.
Thelma
Verified Review
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Reviewed in Florida on March 19, 2026
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Patricia
Verified Purchase
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
Reviewed in Florida on March 12, 2026
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 | 3.8 |
|---|---|
| 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 |
3.8
A solid option in Melbourne, FLBased on 9,920 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 4,345 Allstate reviews
Toni
Verified Review
Shopping around
Reviewed in Florida on March 27, 2026
The representative offered me higher liability coverage for a good price, but I don't want or need it. When I questioned another representative, she was snippy and said they don't just provide basic state coverage, which is not true. I'm not really happy with them as it seems like they're looking to make a commission at my expense and lying about it. I'm looking around now that renewal is about to go into effect.
Donald
Verified Review
Too Little Too Late from Allstate
Reviewed in Florida on March 20, 2026
I’m no longer with Allstate. I switched to State Farm 2 years ago, who gave me a much better rate.
Miguel
Verified Review
Overall I rated Allstate 3.5 out of 5
Reviewed in Florida on March 18, 2026
I think customers must be informed of their options without reservation and not just focus on the bottom line for the company or representative. If a customer qualifies for a much lower rate according to all established rules, then why not go over it with the customer, explaining the details?
Gregory
Verified Review
Help from Rosa
Reviewed in Florida on March 17, 2026
Great, the agent I spoke with, Rosa, helped me and did a great job. She answered all my questions and was very polite and knowledgeable.
Sandra
Verified Review
Great Insurance Company
Reviewed in Florida on March 12, 2026
I have had Allstate since 1973, so I am really happy with my policy. No one else seems to meet the coverage and price.
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.
Dan
Verified Review
Best Price
Reviewed in Florida on February 25, 2026
Best price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
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: Tuesday, March 31 at 12:00 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 |
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: Tuesday, March 31 at 12:00 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 |
| 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.
Cheapest recent rates near Melbourne, Florida
Recent Melbourne, Florida car insurance prices for Ford, Toyota, Nissan , and more.
*Quotes generated for Insurify users in and around Melbourne, Florida within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 2026. 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 $94 for drivers with an incident
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
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 $139 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: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $84 | $97 |
| Mile Auto | $91 | $107 |
| State Farm | $91 | $111 |
| GEICO | $104 | $131 |
| Dairyland | $107 | $129 |
| Embark | $116 | $135 |
| Infinity | $118 | $145 |
| Mercury | $130 | $175 |
| Direct Auto | $131 | $158 |
| GAINSCO | $134 | $154 |
| The General | $141 | $182 |
| Bristol West | $151 | $183 |
| Root | $158 | $203 |
| Allstate | $159 | $200 |
| AssuranceAmerica | $162 | $199 |
| National General | $162 | $194 |
| Travelers | $189 | $237 |
| Mendota | $245 | $284 |
| First Acceptance | $257 | $298 |
| Liberty Mutual | $257 | $315 |
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 $151 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: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $84 | $106 |
| Mile Auto | $91 | $120 |
| State Farm | $91 | $117 |
| GEICO | $104 | $132 |
| Dairyland | $107 | $139 |
| Embark | $116 | $146 |
| Infinity | $118 | $149 |
| Mercury | $130 | $192 |
| Direct Auto | $131 | $175 |
| GAINSCO | $134 | $167 |
| The General | $141 | $190 |
| Bristol West | $151 | $194 |
| Root | $158 | $206 |
| Allstate | $159 | $208 |
| AssuranceAmerica | $162 | $210 |
| National General | $162 | $210 |
| Travelers | $189 | $248 |
| Mendota | $245 | $309 |
| First Acceptance | $257 | $324 |
| Liberty Mutual | $257 | $334 |
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 $170 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: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $84 | $119 |
| Mile Auto | $91 | $132 |
| State Farm | $91 | $132 |
| GEICO | $104 | $149 |
| Dairyland | $107 | $155 |
| Embark | $116 | $165 |
| Infinity | $118 | $171 |
| Mercury | $130 | $196 |
| Direct Auto | $131 | $190 |
| GAINSCO | $134 | $195 |
| The General | $141 | $205 |
| Bristol West | $151 | $219 |
| Root | $158 | $230 |
| Allstate | $159 | $231 |
| AssuranceAmerica | $162 | $235 |
| National General | $162 | $235 |
| Travelers | $189 | $275 |
| Mendota | $245 | $348 |
| First Acceptance | $257 | $365 |
| Liberty Mutual | $257 | $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 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 $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: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $103 | $73 |
| Mile Auto | $118 | $73 |
| Progressive | $128 | $75 |
| Mercury | $142 | $106 |
| GEICO | $145 | $84 |
| National General | $151 | $130 |
| Direct Auto | $163 | $108 |
| Infinity | $166 | $88 |
| Bristol West | $180 | $128 |
| Allstate | $183 | $132 |
| The General | $199 | $121 |
| AssuranceAmerica | $204 | $129 |
| Travelers | $214 | $154 |
| Root | $217 | $135 |
| Embark | $226 | $104 |
| GAINSCO | $236 | $116 |
| Liberty Mutual | $248 | $219 |
| Dairyland | $260 | $92 |
| First Acceptance | $295 | $231 |
| Mendota | $301 | $220 |
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 $207 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: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $243 | $173 |
| Progressive | $247 | $145 |
| Mile Auto | $296 | $184 |
| GEICO | $312 | $182 |
| Mercury | $315 | $235 |
| Bristol West | $369 | $263 |
| Direct Auto | $372 | $246 |
| National General | $373 | $321 |
| The General | $397 | $241 |
| Infinity | $404 | $215 |
| Allstate | $428 | $308 |
| Root | $428 | $266 |
| Embark | $436 | $201 |
| GAINSCO | $485 | $239 |
| Liberty Mutual | $500 | $442 |
| Dairyland | $505 | $179 |
| AssuranceAmerica | $519 | $330 |
| Travelers | $535 | $385 |
| First Acceptance | $569 | $444 |
| Mendota | $579 | $424 |
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.
Find Car Insurance in Melbourne, FL
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
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 $173 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 | $200 | $118 |
| Tallahassee | $201 | $120 |
| Tampa | $271 | $187 |
| Winter Haven | $226 | $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
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 $120 per month for liability-only coverage and $120 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?
Progressive offers the cheapest car insurance in Melbourne, with rates starting at $84 per month for liability coverage. Mile Auto and State Farm also offer affordable rates in the area, with monthly rates of $91 and $91.
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 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:
- 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
)
Cheapest Florida Car Insurance Quotes From $106/mo.
February 24, 2026
)
Best Home and Auto Insurance Bundle in Florida
March 30, 2026
)
Cheapest Full-Coverage Car Insurance in Florida
March 9, 2026
)
Car Insurance Discounts for Florida Drivers
March 9, 2026
)
Find a Car Insurance Broker in Florida
March 9, 2026
)
Can I Drive in Florida With a Foreign License?
October 22, 2025
)
Best Car Insurance in Florida for Teen Drivers
March 30, 2026
)
Best Car Insurance in Florida for Senior Drivers
March 30, 2026
)
Best Insurance for Antique and Classic Cars in Florida
March 30, 2026
)
Why Is Car Insurance So Expensive in Florida?
October 22, 2025
)
Uninsured Motorist Coverage in Florida
October 15, 2025
)
Non-Owner Car Insurance in Florida
March 30, 2026
)
How to Get a Florida Driver’s License
February 26, 2025
)
Best Car Insurance in Florida
March 30, 2026
)
How to Get Car Insurance in Florida
July 8, 2025
)
How Much Is Car Insurance for an 18-Year-Old in Florida?
March 9, 2026
)
Is Florida a No-Fault State for Auto Insurance?
February 27, 2025
)
Cheapest Low-Income Car Insurance in Florida
March 30, 2026
Temporary Car Insurance in Florida
March 31, 2026
)
Cheap SR-22 and FR-44 Insurance in Florida
March 31, 2026
)
Rideshare Insurance in Florida
March 31, 2026
Car Insurance Requirements in Florida
March 31, 2026
)
High-Risk Car Insurance in Florida Starting at $127
March 31, 2026
)
Compare Cheap Gap Insurance Companies in Florida
March 31, 2026
)
)
)
Cheap Car Insurance in West Palm Beach, FL, From $115
March 31, 2026
)
Cheapest Car Insurance in Winter Haven, FL,
March 31, 2026
)
Cheap Car Insurance in Tampa, Florida, From $124
March 31, 2026
)
Best Cheap Car Insurance in Tallahassee, FL, From $87
March 31, 2026
)
Best Cheap Car Insurance in Spring Hill, FL, From $104
March 31, 2026
)
Best Cheap Car Insurance in Sarasota, FL, From $83
March 31, 2026
)
Best Cheap Car Insurance in Saint Petersburg, FL, From $98
March 31, 2026
)
Cheapest Car Insurance in Riverview, Florida
March 31, 2026
)
Best Cheap Car Insurance in Pensacola, FL, From $86
March 31, 2026
)
Cheapest Car Insurance Quotes in Pompano Beach, FL
March 31, 2026
)
Cheap Car Insurance in Panama City, FL, Starting at $78
March 31, 2026
)
Cheap Car Insurance in Palm Bay, FL, Starting at $90
March 31, 2026
)
Best Cheap Car Insurance in Orlando, FL, From $109
March 31, 2026
)
Best Cheap Car Insurance in Ocala, FL, From $89
March 31, 2026
)
Cheap Car Insurance in Naples, FL, Starting at $86
March 31, 2026
)
Cheap Car Insurance in Miami, FL, Starting at $124
March 31, 2026
)
Best Cheap Car Insurance in Lakeland, FL, From $93
March 31, 2026
Best Cheap Car Insurance in Jupiter, FL, From $87
March 31, 2026
)
Cheap Car Insurance in Jacksonville, FL, Starting at $98
March 31, 2026
)
Best Cheap Car Insurance in Gainesville, FL, From $83
March 31, 2026
)
Best Cheap Car Insurance in Fort Myers, FL, From $93
March 31, 2026
)
Best Cheap Car Insurance in Fort Lauderdale, FL, From $113
March 31, 2026
)
Best Cheap Car Insurance in Daytona Beach, FL, From $95
March 31, 2026
Cheapest Car Insurance Quotes in Davenport, FL,
March 31, 2026
)
)
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?."
)
Jacqueline DeMarcoFreelance Insurance Writer
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.
Featured in
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in