Cheapest Auto Insurance in Brockton, Massachusetts (2025)
State Farm offers the cheapest car insurance in Brockton, with minimum-coverage policies as low as $99 per month.
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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 $213 per month which is comparable to the state average of $126. 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 $127 per month.
Its higher rates of car thefts in a relatively small population may contribute to its expensive car insurance premiums.[?] [?]
Here’s what you need to know about getting cheap car insurance in Brockton.
Quick Facts
The average cost of car insurance in Brockton is $181 per month for liability insurance and $245 per month for full coverage.
Massachusetts is a no-fault state, which means everyone files claims for bodily injury through their own insurance companies after an accident.
Massachusetts uses a points system to reward safe drivers with cheaper car insurance rates.[?]
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.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Safeco | 8.1 | $159 | $102 | Safe drivers |
| Liberty Mutual | 7.7 | $179 | $140 | Discounts |
| Midvale Home & Auto | 3.2 | $129 | $69 | Low rates |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
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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 $181 per month for liability coverage, but the table below shows the cheapest insurers in the city for liability coverage.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $99 |
| GEICO | $168 |
| USAA | $168 |
| Safeco | $170 |
| Liberty Mutual | $230 |
| Allstate | $360 |
| Travelers | $384 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $245 per month for full-coverage car insurance.
The table below includes the cheapest full-coverage car insurance companies in Brockton.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $128 |
| GEICO | $218 |
| USAA | $218 |
| Safeco | $286 |
| Liberty Mutual | $312 |
| Allstate | $468 |
| Travelers | $499 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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:[?]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $5,000 per accident |
| Personal injury protection (PIP) | $8,000 per accident |
| Uninsured motorist bodily injury | $20,000 per person / $40,000 per accident |
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 $235 per month.
Here’s how your driving record affects your rates in Brockton, Massachusetts.
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Cheapest car insurance for drivers with a speeding ticket: USAA
Speeding makes it harder for drivers to react and stop or slow down in time, which can lead to car accidents.[?] 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 $278 per month.
Here are the cheapest car insurance companies in Brockton for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $99 | $127 |
| USAA | $168 | $219 |
| GEICO | $168 | $223 |
| Safeco | $170 | $228 |
| Liberty Mutual | $230 | $296 |
| Allstate | $360 | $470 |
| Travelers | $384 | $502 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
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 $237 per month, and an average full-coverage rate of $320 per month.
The table below shows the cheapest auto insurers in Brockton for drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $99 | $134 |
| GEICO | $168 | $222 |
| USAA | $168 | $230 |
| Safeco | $170 | $246 |
| Liberty Mutual | $230 | $317 |
| Allstate | $360 | $493 |
| Travelers | $384 | $529 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[?]
Brockton drivers with a DUI on their record experience a high average premium of $347 per month.
Here’s how much companies charge on average for car insurance with a DUI on your record in Brockton.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $99 | $154 |
| GEICO | $168 | $255 |
| USAA | $168 | $261 |
| Safeco | $170 | $280 |
| Liberty Mutual | $230 | $357 |
| Allstate | $360 | $558 |
| Travelers | $384 | $596 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
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.[?] 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 $138 per month, and $187 per month for full coverage.
The table below shows the cheapest insurance companies for senior drivers in Brockton.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $73 | $95 |
| GEICO | $125 | $163 |
| USAA | $129 | $167 |
| Safeco | $140 | $236 |
| Liberty Mutual | $181 | $245 |
| Allstate | $276 | $359 |
| Travelers | $288 | $374 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
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 $348 per month, and $471 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.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $196 | $253 |
| GEICO | $312 | $405 |
| USAA | $319 | $413 |
| Safeco | $349 | $587 |
| Liberty Mutual | $418 | $567 |
| Allstate | $729 | $948 |
| Travelers | $805 | $1,046 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.[?] [?] 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.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Boston | $80 | $131 |
| Cambridge | $60 | $112 |
| Fall River | $93 | $102 |
| New Bedford | $81 | $101 |
| Somerville | $68 | $111 |
| Springfield | $99 | $102 |
| Worcester | $98 | $118 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Brockton car insurance FAQs
Use Insurify’s guide to usage-based insurance to determine if it’s right for you, and check out the answers to common questions about auto coverage in Brockton below.
How much is car insurance in Brockton?
The average cost of car insurance in Brockton is $181 per month for liability insurance and $245 per month for full coverage.
Who has the cheapest car insurance in Brockton?
State Farm is one of the cheapest car insurance companies for liability insurance in Brockton, with a rate of $99 a month. But the best way to find the cheapest rates for you is to compare car insurance quotes at the same coverage levels. You’ll be able to see which company can offer you the best deal for the coverage you need.
What are the best car insurance companies in Brockton?
The best car insurance companies that Insurify identified in Brockton are Safeco, Liberty Mutual, and Midvale Home & Auto. These insurers have strong AM Best ratings and plenty of coverage options and discounts to help drivers find the right policy for the best price.
Can your credit score affect your car insurance rates in Massachusetts?
No. Massachusetts law doesn’t allow car insurance companies to use credit history or credit score information when setting car insurance rates.[?]
Do you legally have to carry auto insurance on your car in Massachusetts?
Yes. Massachusetts requires drivers to carry 20/40/5 liability limits. This translates to $20,000 per person and $40,000 per accident for bodily injury liability and $5,000 for property damage liability coverage. The state also requires $20,000 per person and $40,000 per accident for uninsured motorist bodily injury coverage and $8,000 in personal injury protection.[?]
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