Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Melbourne, WA
We monitor insurance prices, helping the average driver in Melbourne save up to 34.8% 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 Metromile, followed by State Farm, Progressive, and Geico.
| Melbourne Insurer | Monthly Cost |
|---|---|
| Metromile | $46 |
| State Farm | $51 |
| Progressive | $56 |
| Geico | $61 |
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 $389 per year by choosing the right vehicle insurance company. Some Melbourne residents are paying out over $1,331 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, WA Savings / Yr. |
|---|---|
$389 |
|
$688 |
|
$496 |
|
$375 |
|
$1,424 |
|
$269 |
|
$462 |
Melbourne Car Insurance vs. Washington
People living in Melbourne pay an average of 5.23% less than the typical driver in the state. The average driver in Melbourne can expect to pay about $800 per year, or $1,331 for full coverage.
Based on our analysis, Metromile 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 $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,331 to a low of $1,331. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central 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, Metromile is the best option, with annual savings of $389 over the average Melbourne car insurance company.
The best car insurance provider for Melbourne drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $688 over the competition.
The best car insurance company for Melbourne drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $496 better than other car insurance companies.
The best auto insurance for Melbourne drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $375 less each year.
The least expensive car insurance company for new and young drivers in Melbourne
In Melbourne, State Farm costs young drivers $1,424 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Melbourne
State Farm gave the largest car insurance discounts to married couples, averaging $269 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
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Melbourne, which was better than other insurers.
The cheapest large national provider in Melbourne
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Melbourne driver can expect to pay about $98 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 young drivers, married couples, drivers with bad credit, drivers with accidents, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.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:
- Washington state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Melbourne are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Melbourne is a lightly populated area 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 $67 per month for minimum coverage and $111 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
- South Montesano: Insurance costs 3.23% less
- Central Park: Insurance costs 3.46% more
- Montesano: Insurance costs 6.16% more
- Cosmopolis: Insurance costs 0.08% less
- Junction City: Insurance costs 0.38% more
- South Aberdeen: Insurance costs 1.43% more
- Brady: Insurance costs 5.41% more
- Aberdeen: Insurance costs 5.56% more
- Vesta: Insurance costs 0.38% less
- Aberdeen Gardens: Insurance costs 4.73% more
Cities with Similar Populations
- Calvin: Insurance costs 3.53% less
- White Signal: Insurance costs 0.90% less
- White Lakes: Insurance costs 14.43% more
- Wheelon: Insurance costs 2.78% more
- Wheeling: Insurance costs 115.55% more
- Wetmore: Insurance costs 4.81% more
- Cherry Corner: Insurance costs 3.08% more
- Charleys Branch: Insurance costs 3.76% more
- Champ: Insurance costs 37.94% more
- Catholic Point: Insurance costs 25.47% more