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Get Cheap Car Insurance in Melbourne, FL
We monitor insurance prices, helping the average driver in the Melbourne area save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Melbourne
The chart below shows the cheapest car insurance company in Melbourne for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Melbourne Insurer | Monthly Cost |
|---|---|
| Geico | $120 |
| State Farm | $127 |
| Gainsco | $166 |
| Bristol West | $166 |
Savings for Every Kind of Melbourne Driver
Based on our extensive insurance data, we know the average Melbourne driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $735 per year by choosing the right vehicle insurance company. Some Melbourne residents are paying out over $2,511 extra every year for auto insurance in Melbourne. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Melbourne, FL Savings / Yr. |
|---|---|
$735 |
|
$1,079 |
|
$830 |
|
$821 |
|
$2,609 |
|
$713 |
|
$1,039 |
Melbourne Car Insurance vs. Florida
People living in Melbourne pay an average of 4.95% less than the typical driver in the state. The average driver in Melbourne can expect to pay about $2,293 per year, or $2,511 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Melbourne for most people.
Car Insurance Prices by Melbourne Neighborhood
Insurance Prices
Where is insurance cheapest within Melbourne?
The map shows insurance prices in and around Melbourne, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $757 per year within the city boundaries, with insurance premiums ranging from a high of $3,057 to a low of $2,300. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Melbourne.Pick the Best Car Insurance Company for You in Melbourne
The best car insurance provider for most drivers in Melbourne
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $735 over the average Melbourne car insurance company.
The best car insurance provider for Melbourne drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,079 over the competition.
The best car insurance company for Melbourne drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $830 better than other car insurance companies.
The best auto insurance for Melbourne drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $821 less each year.
The least expensive car insurance company for new and young drivers in Melbourne
In Melbourne, Geico costs young drivers $2,609 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Melbourne
Geico gave the largest car insurance discounts to married couples, averaging $713 saved each year compared to an average Melbourne couple's premiums.
The cheapest car insurance in Melbourne for drivers with bad credit
The best Melbourne car insurance company for customer service
Recent price drops
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The cheapest large national provider in Melbourne
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Melbourne driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Melbourne, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Melbourne
What Influences the Cost of Car Insurance in Melbourne?
On average, car insurance in Melbourne is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in the Melbourne area is 30 minutes, which is a little less than average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Melbourne area are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Melbourne has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Melbourne is $191 per month for minimum coverage and $209 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Palm Shores: Insurance costs 6.85% less
- Melbourne Village: Insurance costs 6.05% less
- Indian Harbour Beach: Insurance costs 0.32% less
- Satellite Beach: Insurance costs 1.71% less
- West Melbourne: Insurance costs 1.39% less
- Indialantic: Insurance costs 2.11% less
- Patrick Afb: Insurance costs 5.26% less
- Melbourne Beach: Insurance costs 1.19% less
- Pine Grove: Insurance costs 1.12% less
- Narcoossee: Insurance costs 0.44% more
Cities with Similar Populations
- Medford: Insurance costs 41.78% less
- Miami: Insurance costs 29.19% more
- Memphis: Insurance costs 39.11% less
- McKinney: Insurance costs 28.95% less
- Meridian: Insurance costs 56.75% less
- Mechanicsburg: Insurance costs 49.82% less
- Mansfield: Insurance costs 55.16% less
- Little Rock: Insurance costs 30.98% less
- Lynn: Insurance costs 16.73% less
- Longmont: Insurance costs 22.46% less