Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Melbourne

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Melbourne Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

56

Reviewed

38

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
134 5th Avenue, Indialantic, FL 32903
  • Multiple Carriers

Why choose this provider?

Robinson Insurance is a family-owned and operated company that has been offering insurance services for residents in Melbourne and nearby areas for more than 55 years. It comprises insurance agents with over 150 years of combined insurance experience. They provide car insurance plans through reputable insurance carriers like MetLife, Progressive, Safeco, and Mercury. The policy's coverage includes personal injury protection, bodily injury caused by uninsured auto, damage to someone else's property, and bodily injury to others.

License Verified:

License: R000552

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
728 Lincoln Avenue, Melbourne, FL 32901
  • Multiple Carriers

Why choose this provider?

Alpine Insurance Agency, Inc., (sm) has been offering its auto insurance products and services to individuals, families, and businesses in Melbourne and the nearby areas for more than 34 years. As an independent agency, it works with several carriers to provide customized insurance plans suited to the clients' needs. Its team of insurance specialists helps the clients in understanding and choosing the right coverages for them. Additionally, the company offers insurance solutions for life, home, motorcycles, and boats.

License Verified:

License: R001480

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (40)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2332 North Highway A1A, Indialantic, FL 32903
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Prime-One Insurance is an independent insurance agency, providing insurance policies for individuals, families, commercial property owners, and businesses in Melbourne and around Central Florida. Drawing on more than 100 years of collective experience, agents offer extensive knowledge on personal insurance for homes, rental units, cars, boats, and recreational vehicles. The agency also covers other areas of insurance policies such as life and commercial insurance. Its agents understand and create insurance programs that depend on their client's needs.

License Verified:

License: L095540

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (15)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1701 South Harbor City Boulevard, Melbourne, FL 32901
  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

1 Source Insurance Agency Inc. is a Florida-based firm that provides competitive insurance policies for auto, home, and business in Melbourne. Combining state-of-the-art technology with old-school service, the independent and full insurance agency offers auto insurance coverage for bodily injury, property damage, collision, medical payment, and comprehensive coverage. Aside from auto, 1 Source Insurance Agency Inc. also covers other insurance needs like flood, earthquake, health, life, home, condo, and renters.

License Verified:

License: R002061

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7331 Office Park Place, Melbourne, FL 32940
  • RV & Motorhome
  • Golf Cart & Scooter
  • Motorcyle & ATV
  • Boats

Why choose this provider?

Wayne Anthony Insurance is an independent insurance agency that has been handling the car insurance needs of individuals, families, and businesses in Melbourne and the neighboring areas since 1978. The family-owned and operated insurance business has over 35 years of industry experience, providing clients throughout Brevard County with a range of automobile insurance products, which include property, liability, and medical coverages. Wayne Anthony Insurance also offers motorcycle, recreational vehicle, golf cart, watercraft, boat, and windstorm insurance plans.

License Verified:

License: R002967

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3760 West Eau Gallie Boulevard, Melbourne, FL 32934
  • Motorcyle & ATV

Why choose this provider?

The Insurance Center of Central Florida, Inc., works with a network of over 25 insurance carriers to come up with car insurance policies that fit its clients' needs and preferences. It also has insurance plans for motorcycles, recreational and off-road vehicles, and watercraft. The agency is backed by a history that started in 1991 and a team of agents with more than a century of collective experience. In addition to choosing coverages, the agency also assists existing clients in filing for a claim.

License Verified:

License: L024273

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (40)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2090 Meadowlane Avenue, Melbourne, FL 32904
  • Multiple Carriers

Why choose this provider?

Snow Insurance Services is an independent agency that offers car insurance to the residents of Melbourne. Policy buyers can opt for different types of coverages, such as collision, property damage, medical payment, and personal injury. The company's agents work closely with clients in order to construct an insurance policy that can meet their needs. The Snow Insurance Services team, which aims to provide friendly and responsive service, also deals with home, commercial, and pet insurance plans.

License Verified:

License: L052251

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (14)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5005 North Wickham Road, Melbourne, FL 32940
  • Multiple Carriers
  • Motorcyle & ATV

Why choose this provider?

Hoffman & Associates Insurance Company is a local, family-owned and operated insurance agency that provides complete policy reviews to its clients in Melbourne. Auto insurance is a requirement when operating a motor vehicle or motorcycle in Florida, and the agents in Hoffman & Associates help clients comply with the state's insurance requirements. Hoffman & Associates also offers home insurance, renters insurance, business insurance, vacant dwelling insurance, and boat insurance. Its founder, the Hoffman family, has been providing insurance since 1964.

License Verified:

License: L052761

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2815 West New Haven Avenue, West Melbourne, FL 32904
  • Multiple Carriers

Why choose this provider?

Steve Hooper is a GreatFlorida Insurance agent providing insurance products and solutions to residents of Melbourne and nearby areas. Steve offers personalized and comprehensive auto insurance plans providing coverage for collision and non-collision accidents, property damage and theft, liability to others, auto repair costs, and medical expenses. He also offers insurance for commercial vehicles, RVs, trucks, motorcycles, and boats. GreatFlorida carriers include Olympus Insurance, Dairyland, National General Insurance, Progressive, Safeco, and Gainesco Auto Insurance.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1865 North Wickham Road, Melbourne, FL 32935
  • Multiple Carriers

Why choose this provider?

Insurance World of Eau Gallie is an independent insurance agency in Melbourne that has been providing insurance products and solutions in the metro since 1990. It writes auto insurance policies to clients that provide liability, comprehensive, personal injury protection (PIP), collision, and uninsured motorist coverage. The agency is also known for its coverage plans for other vehicles such as motorcycles and motor homes, as well as programs for SR-22 and FR-44 drivers.

License Verified:

License: R011789

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1900 South Harbor City Boulevard, Melbourne, FL 32901
  • Multiple Carriers

Why choose this provider?

Insurance Group of Florida, Inc. is an auto insurance provider serving Melbourne and other locations. The independent agency represents different insurance companies and educates its clients about their rights, coverage, and claims processes. Its car insurance provides coverage against losses and potential lawsuits. The collision and comprehensive coverage protect clients from losses due to damages after their cars hit another vehicle or object. Its personal liability coverage pays for the medical, property, or legal damages if the client is at fault.

License Verified:

License: L109182

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (21)
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2320 Dairy Road, Melbourne, FL 32904

Why choose this provider?

Brian West is a State Farm independent insurance agent serving Melbourne and nearby areas. He offers auto insurance coverage, including collision and comprehensive coverage for bumped or overturned cars and vehicular theft or vandalism. The policy may include rental coverage to pay for a rental service car if the insured vehicle is under repair due to an accident. Rideshare coverage to protect Uber or Lyft drivers is also available. Brian and his team also help individuals who are relocating to Melbourne.

License Verified:

License: E003851

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (128)
Facebook
5.0 / 5 (25)
Yelp
3.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1385 South Wickham Road, West Melbourne, FL 32904
  • Multiple Carriers

Why choose this provider?

Insurance Professionals of Brevard LLC is a professional and independent insurance agency that serves residential and commercial clients in Melbourne and nearby areas. It offers a variety of insurance products and services, such as standard auto insurance for automobiles, motorcycles, watercraft, golf carts, and recreational vehicles. The company also handles personal umbrella coverage and protection, which are not covered by standard insurance policies. Insurance Professionals is affiliated with reputable and reliable insurance companies such as Progressive, MetLife, Chubb, and UPC Insurance.

License Verified:

License: L095619

Florida Division Of Insurance Agent And Agency Services

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How do insurers in Melbourne establish car insurance premiums?

    In Melbourne, insurance companies base car insurance premiums on diverse criteria. These entail one's age, vehicle type, driving history, and credit ranking. Premiums also vary with specific Melbourne ZIP codes. Each insurance firm assesses these aspects distinctively, meaning a cost-effective provider for one individual might not be for another.

  • Do teenage drivers in Melbourne pay higher car insurance rates than adults?

    Yes, teenage drivers in Melbourne pay higher car insurance rates due to risky driving behavior resulting in increased accident rates and traffic violations. For instance, 16-year-olds holding their own policies can expect to pay approximately $368 per month for minimum coverage or up to $927 per month for full coverage. As drivers enter their 20s, rates tend to decrease.

  • What does PIP insurance cover for car accidents in Melbourne?

    PIP insurance covers 80% of reasonable and necessary medical expenses from a car accident, encompassing emergency transport, hospitalization, surgery, dental care, and more. To qualify, individuals in Melbourne must seek initial treatment within 14 days of the accident. With biweekly payments, PIP also provides 60% of gross wages and future earning capacity if the injured party cannot work. In cases of accident-related death, PIP offers $5,000 in death benefits, separate from medical expenses and lost wages coverage.

  • How does the age of a vehicle affect insurance costs in Melbourne?

    The age of a vehicle directly impacts insurance costs in Melbourne. Newer cars generally have higher premiums, but rates tend to decrease as the vehicle ages. Surprisingly, the most expensive vehicles to insure in Melbourne are those that are eight to 10 years old. This information helps Melbourne residents make informed decisions when insuring their vehicles.

  • What are the consequences of driving without insurance in Melbourne?

    In Melbourne, driving without insurance carries serious repercussions. A first-time offender can expect a three-year license suspension and a reinstatement fee. For a second offense, the reinstatement fee rises to $500, and subsequent violations may result in jail time. It is crucial for Melbourne drivers to ensure they have proper insurance coverage to avoid these legal consequences.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.