Compare Melbourne, FL Car Insurance Rates (2021)

Car insurance in Melbourne, FL averages $336 a month. Melbourne, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Melbourne car insurance rates, compare quotes from the top car insurance companies in Melbourne, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Melbourne, FL are $4,034/year
  • The cheapest car insurance company in Melbourne is USAA
  • The cheapest ZIP code in Melbourne is 32903

If you need to buy Melbourne, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Melbourne, FL is right here.

You’ll find Melbourne car insurance rates, the cheapest Melbourne, FL car insurance companies, and information on Florida car insurance laws. You can also compare Melbourne, Florida car insurance rates to Hialeah car insurance rates, Jacksonville car insurance rates, and Orlando car insurance rates.

Ready to find affordable Melbourne, FL car insurance today? Enter your ZIP code for fast, free Melbourne car insurance quotes.

Cheapest Melbourne, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Melbourne, FL car insurance rates? Every Melbourne, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Melbourne, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,157 $3,963 $3,615 $3,664 $14,150 $15,318 $4,120 $4,168
GEICO $2,751 $2,763 $2,576 $2,576 $4,925 $6,201 $3,031 $3,080
Liberty Mutual $3,079 $3,079 $2,829 $2,829 $6,404 $9,815 $3,079 $4,142
Nationwide $2,441 $2,413 $2,187 $2,261 $5,773 $7,101 $2,683 $2,792
Progressive $3,420 $3,220 $2,939 $3,144 $9,565 $10,412 $4,103 $3,910
State Farm $1,821 $1,821 $1,659 $1,659 $5,187 $6,635 $2,022 $2,155
USAA $1,326 $1,302 $1,243 $1,230 $4,508 $5,228 $1,648 $1,774

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Minimum Car Insurance in Melbourne, FL

Every driver must carry the minimum car insurance in Melbourne, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Melbourne, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Melbourne, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Melbourne, FL. Compare credit history car insurance rates in Melbourne from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Melbourne, Florida

Insurance Company Poor Fair Good
Allstate $9,314 $5,869 $4,751
GEICO $5,076 $3,076 $2,312
Liberty Mutual $5,651 $4,171 $3,399
Nationwide $4,308 $3,180 $2,881
Progressive $6,638 $4,708 $3,921
State Farm $3,928 $2,573 $2,109
USAA $3,694 $1,823 $1,331

Cheapest Melbourne, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Melbourne, FL to rates for a clean record with top companies.

Annual Melbourne, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,739 $6,872 $7,606 $6,361
GEICO $2,434 $3,107 $4,617 $3,793
Liberty Mutual $3,196 $4,130 $5,961 $4,340
Nationwide $2,961 $3,242 $4,341 $3,281
Progressive $4,028 $5,935 $5,005 $5,389
State Farm $2,623 $3,117 $2,870 $2,870
USAA $1,787 $2,206 $3,264 $1,873

Cheapest Melbourne, FL Car Insurance for Teen Drivers

Teen car insurance in Melbourne, FL can be expensive. Take a look at rates from the top car insurance companies in Melbourne for teenagers.

Annual Car Insurance Rates for Teen Drivers in Melbourne, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,150 $15,318
GEICO $4,925 $6,201
Liberty Mutual $6,404 $9,815
Nationwide $5,773 $7,101
Progressive $9,565 $10,412
State Farm $5,187 $6,635
USAA $4,508 $5,228

Cheapest Melbourne, FL Car Insurance for Seniors

Take a look at Melbourne, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Melbourne, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,615 $3,664
GEICO $2,576 $2,576
Liberty Mutual $2,829 $2,829
Nationwide $2,187 $2,261
Progressive $2,939 $3,144
State Farm $1,659 $1,659
USAA $1,243 $1,230

Cheapest Melbourne, FL Car Insurance Rates After a DUI

A DUI in Melbourne, FL increases car insurance rates. Compare Melbourne, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Melbourne, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,606
GEICO $4,617
Liberty Mutual $5,961
Nationwide $4,341
Progressive $5,005
State Farm $2,870
USAA $3,264

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Cheapest Melbourne, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Melbourne, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Melbourne, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,455 $6,834
GEICO $3,471 $3,505
Liberty Mutual $4,268 $4,546
Nationwide $3,456 $3,456
Progressive $5,089 $5,089
State Farm $2,772 $2,968
USAA $2,257 $2,308

Cheapest Melbourne, FL Car Insurance Rates by ZIP Code

Melbourne car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Melbourne, FL.

Annual Car Insurance Rates by ZIP Code in Melbourne, Florida

ZIP Code Average Annual Rates
32901 $3,167
32903 $3,052
32934 $3,098
32935 $3,119
32940 $3,061

The Best Cheap Car Insurance Companies in Melbourne, FL

Take a look at a side-by-side comparison of the top car insurance companies in Melbourne, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Melbourne, Florida

Insurance Company Average Annual Rates
Allstate $6,644
GEICO $3,488
Liberty Mutual $4,407
Nationwide $3,456
Progressive $5,089
State Farm $2,870
USAA $2,282

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Category Winners: Cheapest Car Insurance in Melbourne, Florida

Find the cheapest car insurance companies in Melbourne, FL for each category right here.

Best Annual Car Insurance Rates by Company in Melbourne, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Melbourne, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Melbourne car insurance rates. Find the cheapest Melbourne, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Melbourne, Florida

Insurance Company Low Medium High
Allstate $5,131 $6,988 $7,814
GEICO $2,830 $3,616 $4,018
Liberty Mutual $4,030 $4,474 $4,717
Nationwide $2,690 $3,601 $4,078
Progressive $4,243 $5,210 $5,815
State Farm $2,425 $2,943 $3,242
USAA $1,964 $2,365 $2,519

What affects car insurance rates in Melbourne, Florida?

What factors can have an impact on Melbourne, FL car insurance? There are several reasons why Melbourne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Melbourne, Florida.

Car Theft in Melbourne

High levels of vehicle theft can make car insurance more expensive. Melbourne, FL car theft statistics from the FBI indicate 144 vehicle thefts a year.

Commute Time in Melbourne

The more time you spend in your car the higher the risk of an accident. The average commute length in Melbourne, FL is 19.9 minutes according to City-Data.

Traffic in Melbourne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Melbourne, FL traffic data from INRIX ranks Melbourne as the 53rd-most congested in the world.

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Compare Car Insurance Quotes in Melbourne, FL

Ready to find affordable Melbourne, Florida car insurance today? Enter your ZIP code for fast, free Melbourne, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State