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.

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Updated: 02 May 2025
Written by Bob Phillips
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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 Car Insurance, Melbourne, 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

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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

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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

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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.

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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.

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