Cheapest Auto Insurance in Brockton, Massachusetts (2025)

Located in Plymouth County, Brockton is a relatively small town and home to New England’s largest high school. It’s also home to some of the most expensive car insurance rates in Massachusetts. 

On average, car insurance in Brockton costs $208 per month which is comparable to the state average of $119. But, compared to neighboring towns, Brockton experiences high rates. For example, Quincy is also on the South Shore and has a similar population size, but drivers experience lower average rates of $146 per month.

Its higher rates of car thefts in a relatively small population may contribute to its expensive car insurance premiums.1 2

Here’s what you need to know about getting cheap car insurance in Brockton.

Cheapest car insurance companies in Brockton

It’s important to compare car insurance companies in your area to find the one that offers you the coverage you need for the best price possible. Remember, what’s cheap or best for your neighbor may not be the best car insurance company in Brockton for you.

Here are three of the top cheapest companies to start your search.

Best insurer for safe drivers: Safeco

Best insurer for discounts: Liberty Mutual

Best insurer for low rates: Midvale Home & Auto

How to get the cheapest car insurance in Brockton

The price of your car insurance depends on several factors, including where you store your car when it’s not in use, your driving record, and your general insurance needs.

Just because you think your car insurance rates are high doesn’t mean you’re stuck with them. Here are some steps you can take to get lower rates in Brockton, MA:

• Shop around. Auto insurers offer different rates to drivers, so it’s important to compare quotes from at least three car insurance companies to find the one that offers you the lowest rate possible.

• Bundle policies. Buying your homeowners, motorcycle, business, or another insurance policy from the same company as your auto insurance can get you lower rates on both products.

• Increase your deductible. If you increase your deductible, you’ll generally pay lower premiums. Just make sure you can afford the out-of-pocket cost if you ever need to file a claim.

• Look for discounts. Many car insurance companies offer long lists of discounts that drivers can qualify for. Research auto insurers and choose one that advertises as many discounts as you can find.

Cheapest liability-only car insurance in Brockton: State Farm

Liability car insurance, also known as compulsory or mandatory coverage in Massachusetts, is the minimum amount of coverage drivers must carry to drive legally. This type of insurance covers the other parties’ injuries and property damages, as well as your injuries after an at-fault accident.

On average, Brockton drivers pay $170 per month for liability coverage, but the table below shows the cheapest insurers in the city for liability coverage.

Cheapest full-coverage car insurance in Brockton: State Farm

Full-coverage insurance includes state-minimum liability insurance but adds comprehensive and collision coverages, which pay for vehicle damages and repairs, regardless of fault. In Brockton, drivers pay an average of $246 per month for full-coverage car insurance.

The table below includes the cheapest full-coverage car insurance companies in Brockton.

Car insurance requirements in Massachusetts

Massachusetts is a no-fault state, which means each party involved in an accident files injury claims with their insurance policy, regardless of fault.

Here are the minimum coverages all drivers must purchase and maintain in Massachusetts:4

These minimum requirements are just that — minimums. Drivers may want to increase their liability limits or purchase additional coverages to round out their policies. Consider add-on coverages, such as:

Massachusetts Auto Insurance Plan

Cheapest car insurance for drivers with an incident

Incidents like speeding tickets, at-fault accidents, driving under the influence (DUI) convictions, and other moving violations can appear on your driving record. Because these incidents can lead to an accident or a claim, insurance companies see drivers with these incidents on their records as high-risk drivers.

High-risk drivers tend to pay more expensive car insurance premiums to offset the risk they pose to auto insurers. Brockton drivers with an incident on their record experience an average premium of $260 per month.

Here’s how your driving record affects your rates in Brockton, Massachusetts.

Cheapest car insurance for drivers with a speeding ticket: Safeco

Speeding makes it harder for drivers to react and stop or slow down in time, which can lead to car accidents.5 That’s why insurance companies view drivers who exceed the speed limit and get speeding tickets as high-risk, even if they didn’t cause an accident.

Brockton drivers with a speeding ticket on their record have average premiums of $279 per month.

Here are the cheapest car insurance companies in Brockton for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: GEICO

An at-fault accident on a Brockton driver’s record can increase their car insurance rates. While drivers with accident forgiveness won’t experience a rate increase after a single accident, other drivers may notice a price increase at renewal. 

How much your premiums increase depends on the insurer and the severity of the accident, so it’s important to shop around at renewal. Drivers in Brockton with a speeding ticket on their record have an average liability rate of $228 per month, and an average full-coverage rate of $330 per month.

The table below shows the cheapest auto insurers in Brockton for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: USAA

Driving under the influence is one of the most dangerous and expensive moving violations a driver can receive. In Massachusetts, a DUI can result in a fine of $500 to $5,000 and an SR-22 form on file with the state for three years.6

Brockton drivers with a DUI on their record experience a high average premium of $335 per month.

Here’s how much companies charge on average for car insurance with a DUI on your record in Brockton.

Cheapest car insurance for seniors: GEICO

While drivers can expect the most affordable rates between ages 35 and 70, rates for drivers older than 70 can start to rise again. Drivers 70 and older can have slower reflexes and age-related eyesight and hearing problems that make driving dangerous.7 Insurance companies tend to charge senior drivers more for coverage because they have a higher accident mortality rate.

Senior drivers in Brockton have an average liability rate of $135 per month, and $195 per month for full coverage.

The table below shows the cheapest insurance companies for senior drivers in Brockton.

Cheapest car insurance for teens: GEICO

Not only are teen drivers inexperienced, but they can also be reckless, impulsive, and more likely to participate in risky driving behavior. Because of this higher risk on the road, insurance companies typically charge teens and young drivers the most expensive rates of any other age group.

Teen drivers in Brockton experience an average liability rate of $235 per month, and $340 per month for full coverage.

But teens can still find affordable rates by staying on a parent’s policy or looking for discounts. Use the table below to start your search for cheap car insurance for Brockton teen drivers.

Is car insurance more expensive in Brockton?

Yes, car insurance is more expensive in Brockton than in nearby Massachusetts cities. In 2022, Brockton reported 500 motor vehicle thefts, which is more than areas like Cambridge and Fall River reported. It’s around half the amount that Boston reported, but Boston has six times as many residents.1 2 The more claims a company has to pay out in a particular area, the more expensive that area is for policyholders.

More cities in Massachusetts

Here’s how the average cost of car insurance in Brockton compares to rates in other Massachusetts cities.