Cheapest Car Insurance Quotes in Brockton

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399,755 Policies Sold

Brockton Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Brockton

The car insurance rate in Brockton is $2589 for a six-month policy, which is $1057 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $754, making it a popular choice for budget-conscious drivers. Rates in Brockton 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.

Avg. Car Insurance in Brockton

$2589

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Brockton

1st place: Safety Group

At $754 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 $884 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $1124 for six months, making it the third cheapest auto insurance company in Brockton.

Brockton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brockton, MA is Safety Group, offering policies at just $754 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $884.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $8393 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brockton drivers find the best deals.

Cheap Car Insurance Companies in Brockton, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$754	$125
Vermont Mutual	$884	$150
Safety	$1124	$188
American Family	$1264	$213
Hanover	$1396	$235
Arbella	$1416	$240
State Farm	$1536	$259
Norfolk & Dedham	$1687	$287
Farmers	$1776	$296
Norfolk & Dedham Mutl Fire Ins	$1786	$304
Travelers	$1998	$333
Plymouth Rock	$2319	$390
Progressive	$3373	$568
USAA	$4507	$759
Allstate	$7238	$1218
Amica Mutual	$8393	$1426

Key Takeaways

Way's key takeaways about car insurance in Brockton

The auto insurance costs in Brockton fall around $754 for six months.
The cheapest auto insurance company in Brockton is State Farm.
Teen drivers pay the highest rate in Brockton at $1303 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Brockton

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 Brockton are given below.

State Farm provides the cheapest minimum car insurance coverage in Brockton. Their Average 6 Month Premium is $171. Allstate is the most expensive at $772 for the same period.

Cheapest Liability Coverage in Brockton, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$171	$29
Safety Group	$242	$41
Vermont Mutual	$252	$42
American Family	$301	$51
Hanover	$341	$57
Plymouth Rock	$372	$63
Amica Mutual	$402	$68
Chubb	$402	$68
USAA	$431	$73
Norfolk & Dedham Mutl Fire Ins	$441	$74
Farmers	$461	$78
Safety	$482	$81
Norfolk & Dedham	$492	$83
The Hanover	$492	$83
Amica	$502	$85
Arbella	$522	$90
Travelers	$553	$93
Progressive	$744	$125
Allstate	$772	$128

Cheapest Full Coverage Car Insurance in Brockton

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 Brockton is Safety Group at $125 per month and $754 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brockton, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$754	$125
Vermont Mutual	$884	$150
Safety	$1124	$188
American Family	$1264	$213
Hanover	$1396	$235
Arbella	$1416	$240
State Farm	$1536	$259
Norfolk & Dedham	$1687	$287
Farmers	$1776	$296
Norfolk & Dedham Mutl Fire Ins	$1786	$304
Travelers	$1998	$333
Plymouth Rock	$2319	$390
Progressive	$3373	$568
USAA	$4507	$759
Allstate	$7238	$1218
Amica Mutual	$8393	$1426

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Average Car Insurance in Brockton 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 Brockton, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Brockton, 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, Brockton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Brockton

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	$607
30s	State Farm	$490
40s	State Farm	$490
50s	State Farm	$490
60s	State Farm	$433
70s	State Farm	$373

Cheapest Car Insurance Rates for Teen Drivers in Brockton,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Brockton at $44 per month. At $7659 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$260	$44
Vermont Mutual	$281	$47
Hanover	$321	$54
American Family	$352	$59
Safety	$451	$76
Farmers	$522	$90
State Farm	$754	$127
Plymouth Rock	$1205	$203
USAA	$1847	$311
Amica Mutual	$4097	$696
Progressive	$5160	$860
Allstate	$7659	$1303

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Brockton.

As young drivers face the highest rates in Brockton, State Farm offers the cheapest auto insurance rates at $607 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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Brockton.

Car Insurance Rates with An Accident in Brockton

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 Brockton, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Brockton

The cheapest car insurance companies after an at-fault accident in Brockton include American Family and Safety Group, offering $412 and $461, respectively. Allstate is an expensive provider with an average six-month premium of $3453.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$412	$69
Safety Group	$461	$78
Vermont Mutual	$472	$79
State Farm	$502	$85
Norfolk & Dedham	$793	$132
The Hanover	$853	$145
Plymouth Rock	$923	$155
Arbella	$1154	$194
Safety	$1215	$204
USAA	$1406	$237
Travelers	$1867	$314
Hanover	$1898	$319
Progressive	$2138	$360
Amica Mutual	$2239	$380
Farmers	$3272	$546
Allstate	$3453	$586

Brockton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brockton MA. For example, the car insurance in Brockton after a DUI increases to $1256 for a six month policy. While the rate increases by $331 for a six-month policy in the case of a speeding ticket.

Brockton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1335	$223
One Med/PIP claim	$1335	$226
Not-at-fault accident	$1376	$230
One comp claim	$1376	$233
Two Med/PIP claims	$1376	$230
Two comp claims	$1425	$242
At-fault accident - less than $1000	$1475	$247
Child safety restraint	$1526	$260
Driving without lights	$1526	$254
Failure to wear a seat belt	$1546	$264
Cell phone violation	$1656	$275
Texting while driving	$1656	$282
Driving too slowly	$1666	$277
Failure to stop at a red light	$1666	$284
Failure to yield	$1666	$277
Following too closely	$1666	$284
Illegal turn	$1666	$277
Improper passing	$1666	$284
Speeding 11 - 15 MPH over limit	$1666	$277
Speeding 16 - 20 MPH over limit	$1666	$284
Speeding 6 - 10 MPH over limit	$1666	$277
Speeding in school zone	$1666	$284
Wrong way/wrong lane	$1666	$277
In 65 MPH zone	$1676	$286
Speeding 21 - 25 MPH over limit	$1676	$279
Operating a vehicle without permission	$1687	$287
Passing school bus	$1758	$292
At-fault accident - $1000-$2000	$2069	$352
Failure to show documents	$2107	$352
At-fault accident - greater than $2000	$2118	$360
Driving with expired registration	$2128	$355
Open container	$2249	$382
Reckless driving	$2429	$406
Refusal to submit to a chemical test	$2479	$421
Driving with a suspended license	$2581	$429
Racing	$2581	$439
DUI	$2591	$431
Leaving scene of an accident/hit and run	$2620	$446

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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 Brockton 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 Brockton.

The cheapest car insurance premiums in Brockton are offered by American Family at $502 for a six-month policy. However, it can be as expensive as $4286 with companies like Allstate.

Brockton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$502	$85
Safety Group	$553	$95
Vermont Mutual	$573	$95
State Farm	$612	$103
Plymouth Rock	$1114	$188
Progressive	$1225	$206
Hanover	$1556	$262
Arbella	$1687	$284
USAA	$2390	$402
Safety	$2500	$424
Amica Mutual	$2922	$487
Travelers	$3062	$521
Farmers	$3794	$632
Allstate	$4286	$728

Cheapest car insurance after a speeding ticket

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 Brockton are offered by State Farm at $221. However, it can be as expensive as $2640 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Brockton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$221	$37
Safety Group	$291	$49
Vermont Mutual	$331	$56
American Family	$412	$69
Plymouth Rock	$994	$167
Safety	$1406	$238
Arbella	$1416	$237
USAA	$1455	$247
Hanover	$1737	$292
Progressive	$1857	$316
Farmers	$2239	$373
Travelers	$2640	$450

Car Insurance Price Trends in Brockton, Massachusetts

Car insurance rates in Brockton have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Brockton dipped by $368 in December compared to $375 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the Brockton rose to $73 in December, compared to $71 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Brockton?

The car insurance in Brockton is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Brockton?

The cheapest car insurance in Brockton is $125 per month for full coverage.

How much is car insurance in Brockton for teenagers?

Car insurance for teenagers costs $260 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 Brockton?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $436 per month to insure your car in Brockton.

Is car insurance expensive in Brockton?

Car insurance can be expensive in Brockton if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Brockton can be affordable.

Cheapest Car Insurance Quotes in Brockton

Why you can trust Way?

How Much Is Car Insurance in Brockton

Avg. Car Insurance in Brockton

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Brockton

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Brockton Car Insurance Rates by Company

Cheap Car Insurance Companies in Brockton, MA

Way's key takeaways about car insurance in Brockton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brockton

Cheapest Liability Coverage in Brockton, MA

Cheapest Full Coverage Car Insurance in Brockton

Cheapest Full Coverage Car Insurance Quotes in Brockton, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brockton by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Brockton, MA increasing?

Car Insurance Premiums by Age in Brockton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brockton,MA

If you are in your twenties State Farm is the best choice for car insurance in Brockton.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Brockton

Cheapest Car Insurance Companies after an At-Fault Accident in Brockton

Brockton Car Insurance Rates by Violation

Brockton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brockton after a DUI

Brockton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brockton after Speeding ticket

Car Insurance Price Trends in Brockton, Massachusetts

Average Car Insurance Cost in Brockton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brockton, MA

Car Insurance Rates by State in the USA (2025 Update)

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