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Finding the cheapest car insurance quotes in Brighton shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Brighton
The car insurance rate in Brighton is $1869 for a six-month policy, which is $337 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Brighton can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $544 for a six
month policy, Safety Group offers
the cheapest
auto
insurance rates in the city.
2nd place: Vermont Mutual
Vermont Mutual offers auto
insurance rates at $638 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $811
for six months, making it
the third cheapest auto insurance company in Brighton.
Brighton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Brighton, MA is Safety Group, offering policies at just $544 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $638.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $6059 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brighton drivers find the best deals.
Way's key takeaways about car insurance in Brighton
The auto insurance costs in Brighton fall around $544 for six
months.
The cheapest auto insurance company in Brighton is State Farm.
Teen drivers pay the highest rate in Brighton at $941 per
month.
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Cheapest Minimum Liability Car Insurance in Brighton
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Brighton are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Brighton. Their Average 6 Month Premium is $123.
Allstate is the most
expensive at $558 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Brighton is Safety Group
at $90 per month and $544
for six months.
Cheapest Full Coverage Car Insurance Quotes in Brighton,
MA
Get Your Car Insurance Quote in Brighton
Instantly!
Average Car Insurance in Brighton by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Brighton, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Brighton, Massachusetts, may be increasing due to several external factors.
Massachusetts has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Brighton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Brighton
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
State Farm
$438
30s
State Farm
$354
40s
State Farm
$354
50s
State Farm
$354
60s
State Farm
$312
70s
State Farm
$270
Cheapest Car Insurance Rates for Teen Drivers in
Brighton,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Brighton at $32
per
month. At $5529 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in Brighton.
As young drivers face the highest rates in Brighton, State Farm
offers the cheapest auto insurance rates at $438 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Brighton,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Brighton is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Car Insurance Rates with An Accident in Brighton
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Brighton, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Brighton
The cheapest car insurance companies after an at-fault accident in
Brighton include American Family
and Safety Group, offering $298
and $333,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2492.
Here is a list of driving violations that can increase your car
insurance rates in Brighton MA. For example, the car
insurance in Brighton
after a DUI increases to $906 for a six
month policy. While the rate increases by $239 for a six-month policy in the case of
a speeding ticket.
Brighton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$964
$161
One Med/PIP claim
$964
$163
Not-at-fault accident
$993
$166
One comp claim
$993
$168
Two Med/PIP claims
$993
$166
Two comp claims
$1028
$174
At-fault accident - less than $1000
$1065
$178
Child safety restraint
$1102
$188
Driving without lights
$1102
$183
Failure to wear a seat belt
$1116
$190
Cell phone violation
$1196
$199
Texting while driving
$1196
$204
Driving too slowly
$1203
$200
Failure to stop at a red light
$1203
$205
Failure to yield
$1203
$200
Following too closely
$1203
$205
Illegal turn
$1203
$200
Improper passing
$1203
$205
Speeding 11 - 15 MPH over limit
$1203
$200
Speeding 16 - 20 MPH over limit
$1203
$205
Speeding 6 - 10 MPH over limit
$1203
$200
Speeding in school zone
$1203
$205
Wrong way/wrong lane
$1203
$200
In 65 MPH zone
$1210
$206
Speeding 21 - 25 MPH over limit
$1210
$201
Operating a vehicle without permission
$1218
$207
Passing school bus
$1269
$211
At-fault accident - $1000-$2000
$1493
$254
Failure to show documents
$1521
$254
At-fault accident - greater than $2000
$1529
$260
Driving with expired registration
$1536
$256
Open container
$1624
$276
Reckless driving
$1753
$293
Refusal to submit to a chemical test
$1790
$304
Driving with a suspended license
$1863
$310
Racing
$1863
$317
DUI
$1870
$311
Leaving scene of an accident/hit and run
$1891
$322
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Brighton after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Brighton.
The cheapest car insurance premiums in
Brighton are
offered by American Family at $362 for a six-month policy.
However, it can be as
expensive as $3094 with companies
like Allstate.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Brighton are offered by State Farm
at $160. However,
it can be as expensive as $1906
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Brighton after Speeding ticket
Car Insurance Price Trends in Brighton,
Massachusetts
Car insurance rates in Brighton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Brighton dipped by
$266 in December
compared to $271 of November. In other words, there has been an decrease by $5 when you
compare December and November.
The average cost of liability insurance in the Brighton rose to $52 in December,
compared to $51 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Brighton by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Brighton. At $3738 for a
six-month policy, insuring
your car at 2135 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Brighton?
The car insurance in Brighton is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Brighton?
The cheapest car insurance in Brighton
is $90 per month
for full coverage.
How much is car insurance in Brighton for teenagers?
Car insurance for teenagers costs $188 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Brighton?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $315 per month to insure your
car in Brighton.
Is car insurance expensive in Brighton?
Car insurance can be expensive in Brighton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Brighton can be
affordable.
What is the best car insurance in Brighton,
MA?
The best car insurance company in Brighton
MA is
Safety Group, offering $544 for a
six-month policy.
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