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Licensed property and casualty insurance agent
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NPN: 20461358
Updated
Melbourne drivers pay an average of $155 per month for car insurance. Florida’s high rate of uninsured and underinsured drivers, along with frequent severe weather, contribute to above-average insurance costs throughout the state.[1]
Many companies offer rates well below the citywide average, with Progressive, Mile Auto, and Clearcover offering the lowest average rates in the city, according to Compare.com data.
This article covers the cheapest insurers in Melbourne for various driver types, how to pick the right company, and tips on saving money on car insurance.
Progressive offers the lowest average rates, at $86 per month.
In Melbourne, liability coverage averages $120 per month, while full coverage costs $190.
Florida requires $10,000 in personal injury protection and $10,000 in property damage liability coverage.
Several insurance companies offer rates below Melbourne’s average, making affordable coverage accessible to most drivers. The table below highlights the most affordable insurers in Melbourne, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Progressive | $86 |
| Mile Auto | $92 |
| Clearcover | $93 |
| State Farm | $94 |
| GEICO | $106 |
| Dairyland | $108 |
| Embark | $117 |
| Infinity | $120 |
| Direct Auto | $131 |
| Mercury | $131 |
| GAINSCO | $134 |
| The General | $142 |
| Bristol West | $151 |
| Root | $157 |
| National General | $162 |
| Allstate | $163 |
| AssuranceAmerica | $166 |
| Travelers | $194 |
| Mendota | $245 |
| First Acceptance | $256 |
| Liberty Mutual | $258 |
Melbourne drivers can find the cheapest rate with Progressive, at $86 per month. The following sections break down the cheapest companies by driver profile and coverage type to help you find the best rates for your specific situation.
While the companies above provide a solid starting point, many rating factors affect your premium, including your age, driving record, credit history, and location within Melbourne. Comparing rates from companies that offer competitive pricing for drivers with similar profiles can help you find more affordable coverage.
The following table shows the cheapest insurance companies for various driver backgrounds and coverage levels, according to our research.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Progressive | $86 |
| Full coverage | State Farm | $131 |
| Teens | Progressive | $147 |
| Seniors | Progressive | $77 |
| Drivers with a speeding ticket | Progressive | $101 |
| Drivers with an at-fault accident | Progressive | $110 |
| Drivers with a DUI | Progressive | $112 |
| Drivers with excellent credit | Progressive | $79 |
| Drivers with poor credit | Progressive | $108 |
We’ve included detailed breakdowns for each driver category in the sections below.
Policies in Melbourne start as low as $86 per month.
Melbourne drivers pay an average of $120 per month for minimum coverage, according to Compare.com data. Most insurance experts recommend purchasing more than the state-required minimums because Florida’s limits may not cover all damages in a serious accident.[2]
If you need liability coverage that meets Florida’s minimum requirements, here are the five most affordable options, according to our research.
Company | Average Monthly Premium |
|---|---|
| Progressive | $86 |
| Mile Auto | $92 |
| Clearcover | $93 |
| State Farm | $94 |
| GEICO | $106 |
| Dairyland | $108 |
| Embark | $117 |
| Infinity | $120 |
| Direct Auto | $131 |
| Mercury | $131 |
| GAINSCO | $134 |
| The General | $142 |
| Bristol West | $151 |
| Root | $157 |
| National General | $162 |
| Allstate | $163 |
| AssuranceAmerica | $166 |
| Travelers | $194 |
| Mendota | $245 |
| First Acceptance | $256 |
| Liberty Mutual | $258 |
Most drivers should consider full coverage because it protects your vehicle and provides additional liability protection beyond state minimums. Full coverage typically includes comprehensive and collision insurance in addition to Florida’s required coverages. Lenders and leasing companies require you to purchase full coverage if you finance or lease your vehicle.[3]
Melbourne drivers pay an average of $190 per month for full coverage.
Several insurers offer rates close to the average liability price in the area. Here are five companies with the lowest full-coverage rates for Melbourne drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $131 |
| Progressive | $143 |
| Mile Auto | $147 |
| Mercury | $173 |
| GEICO | $185 |
| National General | $186 |
| Direct Auto | $194 |
| Clearcover | $195 |
| Bristol West | $212 |
| Infinity | $222 |
| Allstate | $229 |
| The General | $229 |
| Embark | $250 |
| Root | $252 |
| AssuranceAmerica | $258 |
| Travelers | $272 |
| GAINSCO | $274 |
| Liberty Mutual | $285 |
| Dairyland | $305 |
| First Acceptance | $330 |
| Mendota | $330 |
Teens pay the highest insurance rates of all age groups. They have less driving experience, tend to drive distracted, and get into more car accidents than older drivers.[4] The average teen pays nearly double the rate drivers ages 20 or older pay, according to our data.
Melbourne teens pay a monthly average of $265, but you can still find affordable coverage with the right company.
Our research shows that these five insurers below offer cheaper rates to teens in Melbourne, on average.
Company | Average Monthly Premium |
|---|---|
| Progressive | $147 |
| Clearcover | $148 |
| State Farm | $178 |
| Dairyland | $182 |
| Mile Auto | $185 |
| GEICO | $186 |
| Embark | $200 |
| Infinity | $201 |
| Mercury | $233 |
| GAINSCO | $233 |
| The General | $247 |
| Direct Auto | $247 |
| Bristol West | $260 |
| Root | $265 |
| Allstate | $314 |
| National General | $316 |
| AssuranceAmerica | $334 |
| Travelers | $394 |
| Mendota | $418 |
| First Acceptance | $437 |
| Liberty Mutual | $439 |
Extensive driving experience and safer driving habits mean less risk for insurance companies. If you’re a senior driver in Melbourne, you likely fall in that category and will enjoy some of the cheapest rates overall due to these factors.[5]
Senior drivers in Melbourne pay an average monthly premium of $140, according to Compare.com data. And you can likely find an even better deal with the right company.
The five companies in the chart below offer the most competitive rates for seniors in Melbourne, according to our analysis.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $74 |
| State Farm | $76 |
| Progressive | $77 |
| Clearcover | $84 |
| GEICO | $86 |
| Infinity | $89 |
| Dairyland | $94 |
| Embark | $105 |
| Mercury | $107 |
| Direct Auto | $110 |
| GAINSCO | $117 |
| The General | $124 |
| Bristol West | $129 |
| National General | $131 |
| AssuranceAmerica | $133 |
| Root | $134 |
| Allstate | $135 |
| Travelers | $159 |
| Liberty Mutual | $220 |
| Mendota | $221 |
| First Acceptance | $231 |
If a cop catches you speeding in Melbourne, a fine isn’t the only thing you could face. Receiving a traffic ticket shows insurers that you engage in risky driving behavior.[6] Getting just one ticket causes average rates to increase by 37% nationwide, according to our research.
Melbourne drivers with recent tickets pay an average of $181 per month. But it’s possible to find cheaper rates with some insurers. The five companies in Melbourne below don’t penalize drivers after a ticket as much as some companies might, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $101 |
| Mile Auto | $108 |
| Clearcover | $115 |
| State Farm | $115 |
| Dairyland | $130 |
| GEICO | $134 |
| Embark | $137 |
| Infinity | $148 |
| GAINSCO | $155 |
| Direct Auto | $159 |
| Mercury | $176 |
| The General | $184 |
| Bristol West | $184 |
| National General | $195 |
| Root | $203 |
| AssuranceAmerica | $204 |
| Allstate | $205 |
| Travelers | $244 |
| Mendota | $287 |
| First Acceptance | $300 |
| Liberty Mutual | $318 |
Causing an accident and filing a claim will cause your rates to increase. At-fault accidents signal to insurers that you’re more likely to file a claim in the future. Nationally, a single at-fault accident causes average rates to increase by 41%, according to our data.
Drivers with recent accidents in Melbourne pay an average of $198 per month for insurance.
Melbourne drivers can often find better deals with the following insurers after an accident, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $110 |
| Mile Auto | $122 |
| State Farm | $122 |
| Clearcover | $131 |
| GEICO | $137 |
| Dairyland | $140 |
| Embark | $149 |
| Infinity | $157 |
| GAINSCO | $169 |
| Direct Auto | $176 |
| The General | $192 |
| Mercury | $193 |
| Bristol West | $196 |
| Root | $207 |
| National General | $212 |
| Allstate | $215 |
| AssuranceAmerica | $217 |
| Travelers | $257 |
| Mendota | $312 |
| First Acceptance | $326 |
| Liberty Mutual | $337 |
If you’re wondering about rates after a DUI conviction, expect one of the sharpest increases of any incident. Nationwide, rates increase by 61% after a DUI conviction, according to our data. A DUI can also make it difficult to find auto coverage because some companies won’t insure high-risk drivers.[7]
Some insurers specialize in covering high-risk drivers, such as drivers with a DUI. The average driver with a DUI in Melbourne pays a monthly premium of $202. But a DUI doesn’t mean you’ll pay high rates permanently.
The following chart highlights five companies offering lower rates to drivers with DUIs in Melbourne, according to our data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $112 |
| Mile Auto | $126 |
| Clearcover | $127 |
| State Farm | $129 |
| GEICO | $144 |
| Dairyland | $148 |
| Embark | $153 |
| Infinity | $164 |
| Direct Auto | $180 |
| GAINSCO | $184 |
| The General | $188 |
| Mercury | $191 |
| Bristol West | $207 |
| Root | $217 |
| National General | $222 |
| Allstate | $223 |
| AssuranceAmerica | $228 |
| Travelers | $266 |
| Mendota | $320 |
| First Acceptance | $334 |
| Liberty Mutual | $354 |
Credit history is another factor some insurance companies consider when assessing your rates. Companies use your credit-based insurance score to predict your likelihood of filing future claims.[8] Our research shows drivers with poor credit pay 40% more than drivers with excellent credit.
In Melbourne, drivers with poor credit pay an average of $194 per month, according to Compare.com data.
But some companies don’t look at credit and offer cheaper rates regardless. Below, you’ll find five insurers that offer affordable rates for drivers with credit challenges, according to our analysis.
Company | Average Monthly Premium |
|---|---|
| Progressive | $108 |
| Mile Auto | $113 |
| Clearcover | $115 |
| GEICO | $131 |
| Dairyland | $133 |
| State Farm | $136 |
| Embark | $146 |
| Infinity | $148 |
| Mercury | $160 |
| Direct Auto | $161 |
| GAINSCO | $165 |
| The General | $175 |
| Bristol West | $186 |
| Root | $193 |
| National General | $199 |
| Allstate | $201 |
| AssuranceAmerica | $204 |
| Travelers | $239 |
| Mendota | $306 |
| Liberty Mutual | $309 |
| First Acceptance | $320 |
Compare personalized quotes from Melbourne’s top insurers.
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Florida is a no-fault state that requires all drivers to have car insurance, like most other states. Here are the state’s specific auto insurance requirements:
$10,000 in personal injury protection
$10,000 in property damage liability
Unlike many states, bodily injury liability coverage isn’t a requirement in Florida.
Most insurance experts recommend buying coverage above Florida’s minimum limits because the state’s requirements may not cover all damages after a serious accident. Additionally, lenders require comprehensive and collision coverage if you finance or lease your car.
Florida’s Department of Highway Safety and Motor Vehicles recommends considering higher liability limits and additional coverages, like bodily injury liability, to protect your assets.
Here are answers to common questions drivers ask about car insurance in Melbourne.
Auto insurance costs an average of $155 per month in Melbourne, according to Compare.com data. Drivers pay $120 per month for liability coverage and $190 per month for full coverage.
Yes. Melbourne drivers pay an average of $155 per month, while the national average is $140, according to our data. That said, Melbourne’s rates are lower than the statewide average. Remember, factors like your ZIP code, driving history, and coverage levels will affect your final rate.
Melbourne drivers can find the cheapest car insurance with Progressive. The company’s rate averages $86 per month, according to our data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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