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Car Insurance in Palm Bay, Melbourne and Titusville, Florida

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The Palm Bay-Melbourne-Titusville metropolitan statistical area (MSA) is an up-and-coming region in Florida, known for its prodigious mix of high-tech opportunities and natural wonders. Residents and visitors can enjoy many natural habitats, such as the Canaveral National Seashore, the Indian River Lagoon Preserve, and Port Canaveral with proximity to the most popular cruise routes in the world.

According to a 2020 Milken ‘Best Performing Cities’ report, Palm Bay-Melbourne-Titusville came in tenth place — a testament to its high tech growth, lower housing costs, and other indicators for a highly progressive area.

All drivers in Palm Bay, FL, Melbourne, FL and Titusville, FL must carry car insurance. To learn more about car insurance in the area, including average costs by age group and zip code, ways to save on premiums, required coverage limits, and more, keep reading.

Quick Facts

  • According to the 2019 U.S. Census, there are 601,942 people living in the Palm Bay-Melbourne-Titusville MSA, which works out to 593 people per square mile.
  • In 2020, there were 74 fatal traffic accidents in Brevard County, which includes the Palm Bay-Melbourne-Titusville MSA.

How Much Does Car Insurance Cost in Palm Bay-Melbourne-Titusville, FL?

Palm Bay’s average monthly full coverage car insurance premium is $165, versus $154 for Titusville and $164 in Melbourne. All three cities see rates close to or equal to the national average of $161 and much lower than Florida’s state average of $197.

Alternatively, the state-required minimum or liability car insurance per month is $63 for Palm Bay, FL, $58 for Titusville, FL and $63 for Melbourne, FL.

It’s important to note that car insurance rates for a specific area or zip code are influenced by things like accident numbers and severity, car theft and vandalism and natural disasters.

Here are some different average monthly car insurance rates from surrounding Florida cities for comparison.

City Full Coverage Insurance Liability Insurance Coverage
Palm Bay-Melbourne-Titusville $161 $61
Miami $277 $97
Fort Lauderdale $221 $83
Orlando $177 $70
Tampa $256 $99

Palm Bay-Melbourne-Titusville Affordable Car Insurance Rates by Zip Code

The cost of insurance can change significantly depending on the city or state of residence. Even your neighboring zip code can see higher or lower premiums depending on the collective claims history and demographic makeup of all residents living in that zip code.

Here is a selection of average monthly car insurance rates by zip code in the Palm Bay-Melbourne-Titusville MSA.

Zip Code (City) Full Coverage Insurance Liability Insurance Coverage
32780 (Titusville) $154 $58
32796 (Titusville) $154 $59
32901 (Melbourne) $164 $63
32934 (Melbourne) $158 $61
32935 (Melbourne) $161 $62
32940 (Melbourne) $154 $60
32905 (Palm Bay) $165 $63
32907 (Palm Bay) $165 $63
32908 (Palm Bay) $165 $63
32909 (Palm Bay) $165 $63
32926 (Cocoa) $156 $60

Low-Cost Palm Bay-Melbourne-Titusville Car Insurance Rates by Age

The cost of car insurance depends significantly on age. Young Florida drivers, especially teenagers and drivers in their early 20s, will pay quite a bit more for car insurance since this age group tends to have more accidents and file more claims than older demographics.

Here are some different average monthly car insurance rates by age in Palm Bay, FL.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $620 $223
20s $239 $88
30s $165 $63
40s $156 $61
50s $147 $58
60s $150 $59
70s $179 $71

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Palm Bay-Melbourne-Titusville, Florida

How Many Fatal Accidents Happen in Palm Bay-Melbourne-Titusville?

In 2020, there were 74 fatal traffic accidents in Brevard County, which includes the Palm Bay-Melbourne-Titusville MSA. In these fatal accidents, 81 people were killed and 45 were seriously injured.

In 2019, Palm Bay, FL saw ten fatal vehicle accidents, Melbourne, FL saw 12 fatal vehicle accidents, and Titusville, FL saw seven fatal wrecks.

How Are the Road Infrastructure and Bridges in Palm Bay-Melbourne-Titusville?

Rated third in the annual U-Haul Growth Index, the Palm Bay-Melbourne-Titusville MSA has a very active Public Works department that continually works on improvement projects to support a growing population. For example, in late 2021, Titusville worked with $3 million worth of federal relief funds towards water and sewer projects. Others include replacing 50-year-old lift stations and supporting the Indian River Lagoon.

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Minimum Car Insurance Requirements in Palm Bay-Melbourne-Titusville

All states require minimum coverage limits regarding bodily injury and property damage.

Florida is a no-fault car insurance state. This means that, in most cases, a driver’s own insurance policy will take care of his or her injuries and damages up to the policy limit, regardless of who is at fault in the crash. All Florida drivers need to have the following minimum liability insurance requirements per accident.

  • $10,000 for personal injury protection (PIP)
  • $10,000 for property damage liability (PDL)

Note, every insured driver carries a PIP policy, which can be used to pay for medical bills, arrange for family member funeral expenses, and contribute towards loss of income if needed. Drivers must make PIP claims within 14 days of the accident, subject to seeing a doctor or medical specialist who can evaluate their condition.

We highly recommend seeking an auto insurance policy with high collision, comprehensive, and bodily injury coverage limits. The lower your deductible and the higher your coverage limits, the more protected you’ll feel while out and about on the road.

What Are the Penalties for Driving Without Insurance in Palm Bay-Melbourne-Titusville?

Expect some stiff penalties if caught driving without insurance in Florida.

First-time offenders can expect to pay a $150 reinstatement fee, on top of a possible 3-year license and registration suspension. A second offense increases the reinstatement fee to $250, provided the second offense happens within three years of the first offense. For subsequent offenses, expect a $500 reinstatement fee.

All drivers caught driving without insurance in Florida can also expect to file for an SR-22 certificate, which shows proof of financial responsibility. In this case, your rates will rise significantly.

Remember, Florida law requires $10,000 for property damage liability (PDL) and $10,000 for personal injury protection (PIP).

Elements Factored into Palm Bay-Melbourne-Titusville, FL Car Insurance Rates

Every insurer evaluates the insured differently based on key factors, including age, gender, driving record, accident history, and make and model of the vehicle you drive.

Other factors that influence your car insurance rates include:

  • Age
  • Gender
  • Occupation
  • Homeownership
  • Marital status
  • Zip code of residence
  • Credit score

Discounts for Car Insurance in Palm Bay-Melbourne-Titusville

All Palm Bay-Melbourne-Titusville residents with a clean driving record free of moving violations, infractions, and other destructive behaviors can expect to enjoy some car insurance discounts.

Some discounts available to Palm Bay-Melbourne-Titusville residents include but are not limited to:

  • People in a business meeting sitting at a desk

    Professional associations (e.g., AAA)

  • Graphic of a man driving a car

    Defensive driving discounts

  • Blue icon of a graduation cap

    Good student discount

  • Pink icon of a thief

    Anti-theft or vehicle tracking device installation

  • Blue icon of a document with a checklist

    Loyalty discounts

  • Icon money

    Bundling discounts

Get an Online Quote for Low-Cost Car Insurance in Palm Bay-Melbourne-Titusville, FL Today!

Melbourne Beach Pier on the Indian River in Melbourne FL
Now, you are well informed on everything about cheap car insurance in Palm Bay, FL, Melbourne, FL and Titusville, FL.

Freeway Insurance is here to help you find the best car insurance coverage. Feel free to request a quote online, visit us at a Palm Bay-Melbourne-Titusville office near you, or call (800) 777-5620 for a no-obligation consultation on all of your possible options.