Cheapest Auto Insurance in Brockton, Massachusetts (2024)

Midvale Home & Auto offers the cheapest car insurance in Brockton, with minimum-coverage policies as low as $62 per month.

Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated October 30, 2024

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Cheapest recent rates near Brockton, Massachusetts

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $128/mo for full coverage in Brockton and other Massachusetts cities.

*Quotes generated for Insurify users in and around Brockton, Massachusetts within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Brockton, Massachusetts within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $156 per month which is comparable to the state average of $176. 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 $88 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.

Quick Facts
  • The average cost of car insurance in Brockton is $127 per month for liability insurance and $185 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.[3]

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
Safeco8.3$157$85Safe drivers
Liberty Mutual7.7$271$133Discounts
Midvale Home & Auto3.2$129$69Low rates
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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

User Reviews
4.5
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.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$76/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$135/mo
4.5
Best choiceBased on 744 verified guest reviews and ratings
How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (416)

Barbara

October 28, 2024

Verified Review

Insurance Keeps Going Up

Please stop raising prices.

Carlotta

October 24, 2024

Verified Review

Excellent

They handled everything very smoothly.

Shirley

October 22, 2024

Verified Review

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
See all Safeco reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Safeco’s coverages can help Brockton drivers save money on their deductible and get cash back on their policy. With the Claims-Free Cash Back program, drivers get 2.5% of their policy premium back for every six months they go without filing a claim, up to 5% per year. And through Safeco’s diminishing deductible, policyholders’ deductibles decrease by $50 for every six months they go without an accident. These coverages are standard with every Safeco policy, making it a solid choice for safe drivers.

Pros
  • Guaranteed Repair Network connects drivers with trusted repair shops

  • Offers new vehicle replacement coverage

Cons
  • Below-average J.D. Power insurance shopping satisfaction rating

  • Limited advertised discounts

Best insurer for discounts: Liberty Mutual

User Reviews
3.7
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.
7.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$115/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$264/mo
3.7
A solid optionBased on 2641 verified guest reviews and ratings
How drivers feel about Liberty Mutual

Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual

Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,541)

Frank

October 29, 2024

Verified Review

Been with them for 27 years, but I'm unsure

They are expensive. We are low mileage drivers with three cars, and only my wife and I are driving.

Gary

October 29, 2024

Verified Review

Price Gouging!

They recently increased my premium from $182 to $231 per month for no apparent reason, other than a general raise for everyone.

Donald

October 29, 2024

Verified Review

Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!

Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!
See all Liberty Mutual reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Liberty Mutual offers a host of discounts that Brockton drivers can take advantage of, such as multi-car, paperless policy, military, homeowner, and student-away-at-school discounts. This selection of savings makes it easy for anyone in Brockton to find at least one or two ways to reduce car insurance costs.

Pros
  • Accident forgiveness available

  • Plenty of discounts available to save money

Cons
  • Below-average JD. Power customer satisfaction rating in New England

  • More-than-expected number of complaints with the National Association of Insurance Commissioners (NAIC)

Best insurer for low rates: Midvale Home & Auto

A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
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.
8.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$102/mo
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Midvale Home & Auto may be a lesser-known auto insurer, but it offers a long list of discounts and coverage options to round out its car insurance. While it doesn’t have a mobile app or a usage-based insurance program, it has some of the lowest rates in Brockton for liability insurance coverage.

Pros
  • Low average rates in Brockton

  • Gap insurance available

Cons
  • No mobile app

  • Can’t get a quote online

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: Midvale Home & Auto

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 $127 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Midvale Home & Auto$62
Safeco$76
Liberty Mutual$115
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Midvale Home & Auto

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 $185 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Midvale Home & Auto$102
Safeco$135
Liberty Mutual$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Brockton, Massachusetts

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $128/mo for full coverage in Brockton and other Massachusetts cities.

*Quotes generated for Insurify users in and around Brockton, Massachusetts within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Brockton, Massachusetts within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. 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:[4]

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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for vehicle damages and repairs when you hit a stationary object or another vehicle, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle damages from events other than collisions, including falling objects, theft, vandalism, severe weather, and more.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    If you finance or lease your vehicle, gap coverage pays the difference between your auto loan and the insurance settlement in the event of a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    Rental car reimbursement coverage pays for a rental car while a body shop or mechanic repairs your vehicle.

How Much Car Insurance Do You Need?

How Much Car Insurance Do You Need?

Massachusetts Auto Insurance Plan

illustration card https://a.storyblok.com/f/162273/150x150/4ae970a355/states_massachusetts.svg

MAIP

The Massachusetts Auto Insurance Plan (MAIP) is a program that assigns drivers to insurance companies through the involuntary market after their voluntary market insurance company denies them coverage.

An insurance agent can help you apply for the MAIP, and the program assigns an insurance company to provide you with coverage. You may have to contact the company assigned to you to choose add-on coverages and inquire about discounts you qualify for.

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 $195 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: 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 $176 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
Safeco$76$89
Liberty Mutual$115$145
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Safeco

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 $143 per month, and an average full-coverage rate of $209 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
Safeco$76$100
Liberty Mutual$115$166
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Safeco

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 $158 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
Safeco$76$101
Liberty Mutual$115$153
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Safeco

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 $97 per month, and $141 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Safeco$61$109
Liberty Mutual$92$212
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Safeco

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 $230 per month, and $335 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Safeco$154$274
Liberty Mutual$207$476
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.[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.

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 50-plus 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 $127 per month for liability insurance and $185 per month for full coverage.

  • Who has the cheapest car insurance in Brockton?

    Midvale Home & Auto is one of the cheapest car insurance companies for liability insurance in Brockton, with a rate of $62 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.[8]

  • 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.[4]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Massachusetts Crime Statistics. "Crime Overview - Brockton - 2022."
  2. U.S. Census Bureau. "QuickFacts: Brockton city, Massachusetts; Boston city, Massachusetts."
  3. Massachusetts Registry of Motor Vehicles. "Safe Driver Insurance Plan (SDIP)."
  4. Massachusetts Division of Insurance. "Basics of Auto Insurance."
  5. Insurance Institute of Highway Safety. "Speed."
  6. Massachusetts Court System. "Mass. General Laws c.90 § 24."
  7. National Safety Council. "Older Drivers."
  8. The General Court of the Commonwealth of Massachusetts. "Part I, Title XXII, Chapter 175, Section 4E."
Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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