Melbourne Car Insurance

Find the right car insurance policy for you.

Located along the Indian River Lagoon, you’ll find Melbourne, FL, a city that offers miles and miles of gorgeous beaches and tropical breezes. Residents of Melbourne enjoy easy access to Kennedy Space Center, numerous fine dining establishments and annual festivals like Oktoberfest, Aviation Day and the always popular Independent Filmmaker’s Festival. With so much to see and do, traffic here can get intense. Make sure you’re covered with Melbourne car insurance.

Our Independent Insurance Agents offer personalized support to drivers in Melbourne who need comprehensive auto insurance at an affordable price. Our experienced agents can help you find the best safe driving discounts, choose the right amount of liability coverage and design a policy that will protect you on Melbourne’s busy highways.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • #5 most expensive auto premium in U.S.

Florida’s car insurance rates trend on the high end of the national average, posing a challenge to drivers on a tight budget. Auto insurance premiums can drastically vary from one person to the next, and your personalized premium depends on the make and model of your car, your age, and your driving record.

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

According to state law, all drivers in Florida are required to have car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. It’s important to note that these minimums serve as a starting point, not the final say in how much insurance coverage you need. If you have an accident and the expenses reach beyond your limit, you have to tap into your personal bank account to pay the difference.


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Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

Florida has a large number of drivers without insurance, a serious concern for Melbourne residents. If you get into an accident with one of those uninsured motorists, you are responsible to pay for the damage to your car. The best way to avoid this kind of financial nightmare is by adding uninsured motorist coverage to your car insurance policy.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

Auto theft is a grave concern in Melbourne and in other coastal cities in Florida. With tourists constantly moving in and out of town, you just never really know who is lurking nearby. Take time to make sure your auto insurance policy includes full coverage for auto theft. Then if your car goes missing, you can file a claim and start the process to get a new set of wheels to replace the stolen vehicle.

Find a Great Melbourne Car Insurance Policy

In previous years, there were 10 fatal accidents in Melbourne. It’s a timely reminder that auto insurance is something you just can’t afford to take lightly. Our independent insurance agents can help you find a reliable policy that works within your budget. Our friendly agents offer quotes on multiple policies and will help you find a lower-cost plan that will still protect your car from Melbourne’s common threats. 

Contact an agent today to get a free quote and to learn more about Melbourne auto insurance.

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