Cheapest Car Insurance In Melbourne, FL 2025
The cheapest minimum coverage car insurance in Melbourne comes from State Farm, costing about $58 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re hunting for budget-friendly car insurance in Melbourne, FL, you’ll find plenty of different choices.
State Farm stands out as the best option for low-cost liability coverage, whereas GEICO offers the most competitive rates for full coverage. Liberty Mutual remains the cheapest choice for young drivers.
Cheapest Car Insurance Companies In Melbourne, FL 2025
Cheapest Liability-only Car Insurance In Melbourne: State Farm
With an average monthly rate of $58, State Farm is the cheapest option for minimum coverage car insurance in Melbourne.
Check out the table below to compare rates from multiple insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $58 | $696 |
| Allstate | $104 | $1,248 |
| GEICO | $62 | $744 |
| Direct-Auto | $131 | $1,572 |
| Progressive | $152 | $1,824 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm provides the cheapest car insurance for seniors in Melbourne, averaging $99 per month.
This table presents the average quotes from the most budget-friendly auto insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $99 | $1,188 |
| Direct Auto | $131 | $1,572 |
| Mercury | $130 | $1,560 |
| 21st Century | $135 | $1,620 |
| National General | $172 | $2,064 |
Cheapest Full Coverage Insurance Rates In Melbourne: GEICO
Drivers in Melbourne can get the cheapest full coverage car insurance from GEICO, with an average rate of $76 per month.
This table presents a comparison of average car insurance quotes from low-cost insurers in Melbourne.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $76 | $912 |
| Allstate | $128 | $1,536 |
| Mercury | $172 | $2,064 |
| Travelers | $152 | $1,824 |
| Progressive | $225 | $2,700 |
Cheapest Rates In Melbourne For Teenagers: State Farm
Teens in Melbourne can find the cheapest car insurance with State Farm, where the average monthly premium is $235.
This table presents the companies with the cheapest car insurance rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $235 | $2,820 |
| Direct Auto | $310 | $3,720 |
| AIG | $271 | $3,252 |
| Direct General | $380 | $4,560 |
| Allied | $285 | $3,420 |
Cheapest Auto Insurance For Young Adults in Melbourne: Liberty Mutual
Young adults in Melbourne can get the cheapest car insurance from Liberty Mutual, with typical rates of $102 per month.
Below is a table that highlights the cheapest auto insurance rates available for young adults in Melbourne.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $102 | $1,224 |
| State Farm | $160 | $1,920 |
| Mercury | $115 | $1,380 |
| Direct Auto | $192 | $2,304 |
| 21st Century | $185 | $2,220 |
Cheapest Car Insurance In Melbourne For Good Drivers: State Farm
Good drivers in Melbourne will find the most affordable car insurance with State Farm, costing about $58 per month.
The table below shows average insurance quotes from the most affordable providers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $58 | $696 |
| Allstate | $104 | $1,248 |
| GEICO | $62 | $744 |
| Direct-Auto | $131 | $1,572 |
| Progressive | $152 | $1,824 |
Find affordable Melbourne rates
Cheapest For Drivers With After At-Fault Accident: State Farm
At $74 per month on average, State Farm offers the most affordable car insurance for drivers with an at-fault accident.
Here’s a list of insurers that provide the cheapest coverage for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $74 | $888 |
| Allstate | $130 | $1,560 |
| Mercury | $188 | $2,256 |
| GEICO | $77 | $924 |
| Progressive | $198 | $2,376 |
Cheapest Car Insurance In Melbourne After A Speeding Ticket: State Farm
For Melbourne drivers with a speeding ticket, State Farm provides budget-friendly coverage at an average of $70 per month.
If you have a speeding ticket, check the table below for typical insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $70 | $840 |
| Allstate | $122 | $1,464 |
| GEICO | $72 | $864 |
| Direct Auto | $160 | $1,920 |
| Progressive | $184 | $2,208 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest Rates In Melbourne For Drivers After A DUI: State Farm
Drivers with a DUI can find the cheapest insurance from State Farm, which charges Melbourne residents an average of $89 per month.
Melbourne drivers with a DUI can compare the lowest insurance rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $89 | $930 |
| Travelers | $185 | $1,566 |
| Allstate | $156 | $1,130 |
| Progressive | $235 | $1,705 |
| GEICO | $94 | $1,900 |
Best Car Insurance Companies In Melbourne
The lowest car insurance rates in Melbourne come from State Farm at $58 per month, followed by GEICO at $62 and Allstate at $104.
The following table displays the 10 best car insurance companies in Melbourne, FL, ordered by their average monthly cost.
| Company | Monthly Premium |
| State Farm | $58 |
| Allstate | $104 |
| GEICO | $62 |
| Direct-Auto | $131 |
| Progressive | $152 |
| Root | $142 |
| Mercury | $135 |
| Infinity | $164 |
| Travelers | $120 |
| Mile Auto | $95 |
Average Auto Insurance Rates In Melbourne – By Age
One of the biggest factors in car insurance pricing is age. Due to their inexperience and higher accident rates, young drivers typically pay more, with teenagers averaging $9,153 per year in premiums.
Insurance rates generally start to decline when drivers reach 25, assuming they have no traffic violations or accidents.
Insurance companies usually offer the most affordable rates to drivers in their 50s and early 60s, considering age as a key factor in assessing risk.
| Age | Average Yearly Rate |
| Teenagers | $9,153 |
| 20s | $3,880 |
| 30s | $2,740 |
| 40s | $2,454 |
| 50s | $2,153 |
| 60s | $2,004 |
| 70s | $2,342 |
Average Rates In Melbourne – By Vehicle
The vehicle you own has a major impact on your insurance price. Insurers look at factors like the car’s age, type, and value—newer luxury models often cost the most to insure.
Check the table below for average car insurance rates in Melbourne based on vehicle type.
| Vehicle | Average Monthly Rate |
| Dodge Grand Caravan | $224 |
| GMC Sierra | $320 |
| Dodge Ram | $173 |
| Lexus GX | $330 |
| Hyundai Sonata | $150 |
Average Cost Of Auto Insurance In Melbourne – By Zip Code
Your zip code plays a role in determining insurance costs, as it helps insurers evaluate local crime rates.
Check the table below to see the average insurance premiums for different Melbourne zip codes.
| City | Average Monthly Rate |
| 32934 | $189 |
| 32940 | $221 |
| 32937 | $260 |
| 32903 | $164 |
| 32909 | $426 |
How Much Is Car Insurance In Other Cities in Florida?
Car insurance companies factor in your city when setting rates. Higher risks like theft, accidents, and vandalism in urban areas usually mean higher premiums.
If you live in Miami, expect to pay roughly $402 per month for car insurance, compared to $260 per month for Pensacola residents.
| City | Average Monthly Rate |
| Boca Raton | $345 |
| Pensacola | $260 |
| Fort Lauderdale | $376 |
| Orlando | $324 |
| Fort Myers | $270 |
| Naples | $245 |
| Gainesville | $253 |
| Miami | $402 |
| Jacksonville | $291 |
| Tallahassee | $267 |
Find affordable Melbourne rates
Our Methodology
Taking into account customer ratings, pricing, available coverage, and online reviews, I’ve developed a thorough assessment of car insurance providers in Melbourne, FL.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Melbourne?
If you’re looking for the cheapest car insurance in Melbourne, State Farm has the best rates for minimum coverage, while GEICO offers the lowest full coverage prices.
What is the average cost of car insurance in Melbourne?
The average monthly car insurance premium in Melbourne is roughly $230, though factors such as your zip code, car model, and driving history will affect your rate.
