Best Auto Insurance Rates in Melbourne, Florida

On average your neighbors pay $98 a month.

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If you’re into fossils, you’ve definitely heard of Melbourne, Florida. In the 1920s, mammoth bones were found along Crane Creek. Later, bones from mastodons, saber-tooth cats, and many more animals were also found. Nearby, at the Melbourne Golf Course, they found bones of an ancient human. These bones were crushed, near the teeth of wild animals and a piece of ivory carved by humans. The fossils found in Melbourne have helped scientists complete the story of the ice age that occurred tens of thousands of years ago. They play a pivotal role in the story of human kind.

Since then, actors, senators, athletes, rock stars, and even Kate Upton have grown up in Melbourne. For all they’ve contributed, Melbourne residents deserve to pay lower car insurance rates.

Average Melbourne Car Insurance Rates

How much is car insurance in Melbourne, FL? The average cost of insurance coverage here is higher than both the state and national average. The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.

Prices may vary depending on your driving record and the number of insurance claims filed in your zip code.

Florida Average Annual Car Insurance Rates
Coverage Rates
Liability $857.64
Collision $282.96
Comprehensive $116.53
Total Cost Per Year $1,185.25
Price Per Month $98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

Florida average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. QuoteWizard can help you find cheap car insurance rates near Melbourne, Florida and save up to 40% on your premium.

Last year, 2,965 people used QuoteWizard to compare auto insurance quotes in Melbourne, FL from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Melbourne, FL

This is our list of the most common car insurance companies reported by QuoteWizard users living in Melbourne, Florida last year. Of the 2,965 people who requested quotes, 107 were uninsured.

Top 10 Vehicles

These are the most common car makes and models owned by Melbourne, FL drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Ford Mustang
  3. Hyundai Sonata GLS
  4. Honda Accord LX/EX
  5. Honda CR-V EX
  6. Honda Civic LX
  7. Toyota Corolla CE/LE
  8. Toyota Camry LE/XLE
  9. Nissan Altima 2.5S
  10. Chrysler PT Cruiser

Minimum Car Insurance Requirements in Melbourne, FL

Melbourne, Florida has a minimum coverage requirement known as the 10/20/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $10,000.
    The maximum your insurance company will pay for one person injured in a car accident. It applies only to people named on your policy.
  • Total Bodily Injury Liability: $20,000.
    The maximum your insurer will pay will pay for everyone injured in a car accident. It applies to you and people not named on your policy.
  • Property Damage Liability (PIL): $10,000.
    The total your insurance carrier will pay for property damage caused by a car crash. This includes all physical damage such as vehicle damage and damage to road fixtures. If you hit a telephone pole or road sign, you’re covered.

Driving Conditions

Driving conditions like weather and traffic congestion in Melbourne, FL are factors that can influence your insurance rates.


Melbourne, Florida residents enjoy a warm, humid climate. Summers are long and hot. Winters are mild. In an average year, residents can expect 234 sunny days, and around 106 days with measurable precipitation. Melbourne receives an average of 48.9 inches of rainfall a year. It never snows in this area.

Road Conditions

TRIP reports that 40 percent of Melbourne's major roads have poor or mediocre pavement conditions. These road conditions costs drivers $421 a year in extra vehicle operating costs. These costs are a direct result of driving on rough roads that damage cars and waste gas because of delays due to congestion. They’re also a factor in car accidents.

Moving Violations

Moving violations such as speeding tickets, red light infractions, accidents, and drunk driving can ruin your driving record and raise your insurance rates.

Traffic Tickets

The Melbourne Police Department website allows you to pay traffic citations and tells drivers how to plead not guilty and contest tickets. You can also sign up for driver improvement school.

In 2013, Melbourne Police Department issued 19,178 traffic citations and 659 parking citations.

Melbourne DUIs

Getting a DUI can cause all kinds of problems, especially increasing your rates. After your rates go up, legal and financial woes can stick around for months. Brevard County Sheriff’s office provides DUI data and updates via its website.  At the end of the day, a DUI can typically cost between $10,000 and $15,000.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Melbourne DUI insurance.

Car Accidents Statistics

Melbourne police reported 1,864 motor vehicle crashes in 2016, resulting in 1,498 injuries. This a huge increase from the 1,531 reported in 2015.

Traffic Fatalities

Melbourne Police reported seven fatal car crashes in 2016. This was a slight improvement from the nine fatalities recorded in 2015.

Vehicle Theft Rates

Melbourne reported 152 vehicle thefts in 2016. This is a rate of 1.90 thefts per 1,000 residents, slightly less than the rate for the US as a whole—2.20 per 1,000 people. With an estimated population of 81,185, this is an extremely low rate.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to Melbourne, FL.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  3. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  5. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  6. Are you married or getting married soon? Some insurers offer a discount to married couples LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.