Best Cheap Auto Insurance in Melbourne, FL (2021)

The average Melbourne, FL auto insurance rates are $336 per month. The minimum auto insurance in Melbourne is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Melbourne, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Melbourne, Florida is 10/20/10
  • The average commute length in Melbourne is 19.9 minutes
  • Average auto insurance rates in Melbourne, FL for senior drivers are $2,458 per year

Melbourne, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Melbourne can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Melbourne, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Melbourne to other Florida cities, including Cape Coral auto insurance rates, Jacksonville auto insurance rates, and Tampa auto insurance rates to see how Melbourne, Florida auto insurance rates stack up.

Before you buy Melbourne, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Melbourne, Florida auto insurance quotes.

Minimum Auto Insurance in Melbourne, Florida

Melbourne, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Melbourne, Florida.

Minimum Required Auto 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

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Cheap Melbourne, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Melbourne, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Melbourne, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Melbourne, Florida is a challenge. Take a look at the annual teen auto insurance rates in Melbourne, Florida.

Annual Auto 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

Cheap Melbourne, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Melbourne, Florida? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Melbourne, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Melbourne, Florida compared to the annual auto insurance rates with a clean record in Melbourne, Florida.

Annual Melbourne, Florida Auto 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

Cheap Melbourne, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Melbourne, Florida is not easy. Compare the annual rates for DUI auto insurance in Melbourne, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Melbourne, Florida

Insurance Company Annual Auto 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

Cheap Melbourne, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Melbourne, Florida annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Melbourne, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Melbourne, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Melbourne, Florida to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Melbourne, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Melbourne, Florida auto insurance. Find the cheapest annual Melbourne, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Melbourne, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Melbourne, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Melbourne, Florida? Check out the comparison of annual Melbourne, Florida auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Melbourne, Florida

Compare the cheapest auto insurance companies in Melbourne, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Melbourne, Florida Auto Insurance Companies

What auto insurance companies in Melbourne, Florida are the cheapest? Compare the top Melbourne, Florida auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Melbourne, Florida?

There are a lot of reasons why auto insurance rates in Melbourne, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Melbourne, Florida. Many local factors may affect your Melbourne auto insurance rates.

Melbourne Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Melbourne, Florida auto theft statistics, there have been 144 auto thefts in the city.

Melbourne Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Melbourne, Florida commute length is 19.9 minutes according to City-Data.

Melbourne Traffic

How does Melbourne, Florida rank for traffic? According to Inrix Melbourne, Florida is the 53rd most congested worldwide.

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Compare Melbourne, Florida Auto Insurance Quotes

Before you buy Melbourne, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Melbourne, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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