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.

56Reviewed

38Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

134 5th Avenue, Indialantic, FL 32903
WebsiteLicense: R000552

Expertise.com Rating

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.

  • Multiple Carriers

7331 Office Park Place, Melbourne, FL 32940
WebsiteLicense: R002967

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Review Sources

Google
5.0 (28)

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.

  • RV & Motorhome
  • Golf Cart & Scooter
  • Motorcyle & ATV

2320 Dairy Road, Melbourne, FL 32904
WebsiteLicense: E003851

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Review Sources

Google
4.8 (128)
Facebook
5.0 (25)
Yelp
3.5 (9)

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.

1900 South Harbor City Boulevard, Melbourne, FL 32901
WebsiteLicense: L109182

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (18)

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.

  • Multiple Carriers

2332 North Highway A1A, Indialantic, FL 32903
WebsiteLicense: L095540

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Review Sources

Google
4.6 (15)
Facebook
5.0 (5)

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.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

2815 West New Haven Avenue, West Melbourne, FL 32904

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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.

  • Multiple Carriers

1385 South Wickham Road, West Melbourne, FL 32904
WebsiteLicense: L095619

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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.

  • Multiple Carriers

3760 West Eau Gallie Boulevard, Melbourne, FL 32934
WebsiteLicense: L024273

Expertise.com Rating

Review Sources

Google
4.7 (40)

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.

  • Motorcyle & ATV

1865 North Wickham Road, Melbourne, FL 32935
WebsiteLicense: R011789

Expertise.com Rating

Review Sources

Google
4.4 (18)

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.

  • Multiple Carriers

728 Lincoln Avenue, Melbourne, FL 32901
WebsiteLicense: R001480

Expertise.com Rating

Review Sources

Google
4.6 (40)
Facebook
5.0 (1)

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.

  • Multiple Carriers

5005 North Wickham Road, Melbourne, FL 32940
WebsiteLicense: L052761

Expertise.com Rating

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.

  • Multiple Carriers
  • Motorcyle & ATV

1701 South Harbor City Boulevard, Melbourne, FL 32901
WebsiteLicense: R002061

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (9)

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.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

2090 Meadowlane Avenue, Melbourne, FL 32904
WebsiteLicense: L052251

Expertise.com Rating

Review Sources

Google
4.9 (14)
Facebook
5.0 (8)

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.

  • Multiple Carriers

FAQs

  • 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.