Melbourne Auto Insurance Rates, Quotes, Agents & Reviews in FL

Melbourne, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Melbourne, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Melbourne, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Melbourne, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Melbourne, FL with that of other cities in and around Melbourne.

Melbourne Satellite Beach June Park Indian Harbour Beach Indialantic-Melbourne Beach Palm Shores
Average Insurance Rates $1,358 $2,251 $2,160 $2,250 $2,278 $2,168

Melbourne, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Melbourne, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Melbourne $1,129 $954
Melbourne Village $1,850 $1,563
June Park $1,669 $1,409
Indian Harbour Beach $1,552 $1,311
Palm Shores $951 $803
West Melbourne $1,383 $1,168
Indialantic-Melbourne Beach $1,653 $1,396
Satellite Beach $2,691 $2,273

Melbourne, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Melbourne, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,406
20 Years $1,745
30 Years $1,344
40 Years $1,293
50 Years $1,197
60 Years $1,214
70 Years $1,413

Melbourne, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Melbourne, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,363 $353
3 Vehicles $3,544 $530
4 Vehicles $4,726 $706

Savings on 2 Vehicles bundle:$353

Savings on 3 Vehicles bundle:$530

Savings on 4 Vehicles bundle:$706


Melbourne, FL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Melbourne, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Melbourne $1,358 $2,125
Melbourne Village $2,198 $3,440
June Park $2,160 $3,381
Indian Harbour Beach $2,250 $3,521
Palm Shores $2,168 $3,393
West Melbourne $2,182 $3,415
Indialantic-Melbourne Beach $2,278 $3,565
Satellite Beach $2,251 $3,523

Melbourne, FL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,165
Excellent (740-799) $1,330
Good (670-739) $1,415
Average (580-669) $1,846
Poor (300-579) $2,215

Melbourne, FL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Arty Pagan State Farm 4865 N Wickham Rd, Melbourne, 32940 321-775-1000
Insurance Icon, Inc. None 115 Hickory St Ste 206 , Melbourne, 32904 None
Robinson Insurance Inc Travelers 202 FOURTH AVE, INDIALANTIC, 32903 321-723-1278
Wayne Anthony Insurance Travelers 7331 OFFICE PARK PLACE SUITE 500, VIERA, 32940 321-242-3181
A & C Insurance Inc None 310 N Babcock St, Melbourne, 32935 None
Roxanne Parsley Allstate 1801 Sarno Rd Ste 2, Melbourne, 32935 (321) 254-6829
A Professional Insurance Agency, Inc None 1800 W Hibisbus Blvd Ste 131, Melbourne, 32901 (321) 428-2539
Cheryl Karr Allstate 2104 W New Haven Ave, West Melbourne, 32904 (321) 725-8022
Robert Fontaine Allstate 409 5th Ave, Indialantic, 32903 (321) 726-4111
Kim Osman Insurance Group None 474 N Harbor City Blvd Ste 4, Melbourne, 32935 None
Global Coverage Travelers 239 W HIBISCUS BLVD, MELBOURNE, 32901 321-728-1151
James E Holmes Inc Liberty Mutual Independent 1215 E. New Haven Avenue, Melbourne, 32901 None
Eric Ponce State Farm 2240 N Wickham Rd, Melbourne, 32935-8112 321-773-7500
Bill & Sheila Gaylor Insurance Professionals, P.A. None 477 N Harbor City Blvd, Melbourne, 32935 None

Melbourne, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$60 $1,418
Driver's Failure In Showing Documents +$132 $1,490
Driving With An Expired Registration +$140 $1,498
Driving At A Considerably Slow Pace +$295 $1,653
Using A Cellphone While Driving +$311 $1,669
Running A Red Light +$316 $1,674
Speeding +$333 $1,691
Driving A Vehicle Without The Required Permission +$422 $1,780
Driving With An Expired/Suspended License +$915 $2,273

Melbourne, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,304
Active Disabling Device $1,304
Tracking Device $1,277
Passive Disabling Device $1,263

Latest Auto Insurance Reviews in Melbourne, FL | Back to Top

Usaa
I honestly haven't really looked at offerings from other providers. I've seen their own paperwork that says they have better rates, but given that they're hardly going to be impartial about their own services.
State Farm
I would highly recommend State Farm auto insurance to anyone who is looking for quick and easy insurance, and for a staff of people who are extremely friendly, and easy to work with.
Allstate
The premium and deductible pricing is maybe a bit higher than other insurance companies but it's high quality and they cover everything so, you're going to pay a little more for it.
Farm Bureau
Their policies and price seem to be very comparable to other insurance companies I've quoted in the past, if someone is much lower they will often give a further discount provided proof.
State Farm
We can easily access the customer service at the office and it is very personalized. The office is not far from our home.
Liberty Mutual
I feel the car insurance could go down somewhat. We have three cars and pay 200.00 monthly, I think that's a lot for the make and model of the cars.
The Hartford
I would recommend them for coverage because I like that I get to work with one person from start to finish. I like that almost everything is covered for a reasonable price and I like the communication they have with me.
The Hartford
I would recommend them for coverage because I like that I get to work with one person from start to finish. I like that almost everything is covered for a reasonable price and I like the communication they have with me.
Geico
Compared to other insurance companies, my company charges premiums that are far below all of the others for similar levels of coverage.
State Farm
The premiums are kinda ok and at a decent $49 per month pricing compare to $60 or over $50 amount other companies charge per month on auto insurance.
Mercury
I dont like the fact that it is so difficult to get answers to questions. I don't like insurance companies.
Allstate
Accessibility of my insurance company is great, via the phone app. I can do anything that I can do over the phone with the company on it as as well. interaction with the online, phone support staff is great too.
Westfield Insurance
I have never had to make a claim yet so I can't really judge there claim department yet. I just know they are charging to much for insurance coverage
Progressive
I like that I can handle everything online with my policy, but if I need to, I'm satisfied that my agent is only about 15 miles from where I live. Customer service seems to be great so far. They are very prompt in answering any questions I have.
Progressive
My premium is way below the average of all companies. I shopped around and Progressive had the best deal for both myself and husband.
Allstate
Honestly I have not look at any competing companies, I have been very satisfied with the rates I have been offered and have not felt the need to look at other providers.