120+ more*Quotes generated for Insurify users in and around Brockton, Massachusetts within the last 10 days. Last updated on September 29, 2026. 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 September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
Drivers in Brockton, Massachusetts, pay monthly averages of $176 for minimum coverage and $235 for full coverage. That’s a lot higher than the average premium in Massachusetts of $103 for minimum coverage and $137 for full coverage. It’s also higher than other cities, like Boston and Cambridge.
Living in Brockton, you face a statistically higher risk of getting into an accident or having your car stolen, and that’s likely why Brockton drivers pay higher rates than other drivers in Massachusetts.[1] [2]
Massachusetts is a no-fault state and requires all drivers to carry a minimum 25/50/30 insurance policy, plus uninsured motorist coverage and $8,000 in personal injury protection (PIP).[3] Liability-only coverage is the cheapest option, but it’s still quite expensive in Brockton: $176 per month in comparison to $103 per month for the average Massachusetts driver.
The table below shows the cheapest liability car insurance companies in Brockton.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $85 |
| USAA | $146 |
| GEICO | $147 |
| Safeco | $169 |
| Progressive | $191 |
| Liberty Mutual | $206 |
| Allstate | $313 |
| Travelers | $335 |
| Embark | $347 |
| Amica | $454 |
Liability quotes start at $85/mo.
Full coverage adds collision and comprehensive coverage to your policy. Lenders generally require it if you have a loan or lease on your car, which 35% of Brockton drivers do, according to Insurify data.
On average, Brockton drivers pay $235 per month for full-coverage insurance. Even if it’s optional for you, it’s not a bad idea, given that comprehensive coverage protects you against car theft and floods — two common risks in Brockton.
Here’s how much Massachusetts insurance companies charge Brockton drivers, on average, for a full-coverage policy:
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $124 |
| USAA | $209 |
| GEICO | $211 |
| Safeco | $271 |
| Progressive | $300 |
| Liberty Mutual | $305 |
| Allstate | $449 |
| Travelers | $481 |
| Amica | $651 |
Brockton is the most expensive place to buy car insurance in Massachusetts, according to Insurify data. Statistically speaking, Brockton residents face a higher risk of car accidents, auto theft, and flooding than in many other parts of the state, and that tends to push rates higher.
For example, in April 2026, Brockton police reported five times as many vehicle thefts per capita as Boston, according to FBI crime data.
Here’s how car insurance rates in Brockton compare to other cities throughout Massachusetts:
City | Average Monthly Quote |
|---|---|
| Cambridge | $102 |
| Boston | $110 |
| Somerville | $110 |
| Quincy | $122 |
| Lowell | $127 |
| New Bedford | $142 |
| Fall River | $148 |
| Worcester | $153 |
| Springfield | $160 |
Car insurance in Massachusetts can be expensive because the state requires more coverage than in many other states. But even within Massachusetts, Brockton’s rates are particularly high. High traffic volumes from state Route 24 and drivers who often ignore signs and road rules contribute to a higher accident rate in the city, driving rates up for everyone.
If you’re buying full coverage, you can expect to pay higher rates in Brockton, too. Car theft is fairly common in Brockton, which is why companies charge more for full-coverage policies here than in any other part of the state.
*Quotes generated for Insurify users in and around Brockton, Massachusetts within the last 10 days. Last updated on September 29, 2026. 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 September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history plays a large role in how much you pay for car insurance. Drivers with a clean record typically get the cheapest rates, while high-risk drivers with an incident on their record pay more.
Here are the most affordable insurance companies for Brockton drivers with different types of driving records:
Cheapest car insurance for Brockton drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Brockton: State Farm
Cheapest car insurance for Brockton drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with an OUI in Brockton: State Farm
Nearly 3% of Brockton drivers have a speeding ticket on their driving record, according to Insurify data. Additionally, nearly 7% of Brockton residents have an at-fault accident, and around 0.5% have an operating under the influence (OUI) conviction.
Here are the average rates that Brockton drivers with these driving infractions pay for car insurance:
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $206 |
| Speeding ticket | $278 |
| At-fault accident | $251 |
| OUI | $338 |
Brockton drivers have to contend with many different weather risks year-round. In the warmer months, storms can bring heavy flooding. During colder months, Brockton can get up to 4 feet of snow per year. You’ll need to follow winter street-parking bans, which shift from even- to odd-numbered days or by emergency order, to allow for snow plowing.[4]
It’s especially important to guard against car theft in Brockton. It consistently ranks as one of the top spots for vehicle thefts in Massachusetts.[5] On a per-capita basis, auto theft rates were five times higher in Brockton compared to the statewide average in April 2026, according to FBI data.
Finally, it’s a good idea to practice your defensive driving skills while out and about in Brockton. A 2024 city report noted that Brockton drivers cause more accidents than any other Massachusetts city by ignoring road signs, markings, and traffic signals, and failing to yield properly.
Much of Brockton’s through traffic comes from state Route 24, which serves as a wheel spoke radiating out from the Boston metro area. But drivers also face plenty of hazards within Brockton proper, since it’s the sixth-largest city in Massachusetts, according to city data.
In a 2024 traffic safety report, the city flagged the following intersections as the most dangerous:
Main Street, Legion Parkway, and Centre Street
State Route 27, Pleasant Street, and North Warren Avenue
Main Street and Church Street
If you live near one of these areas, there’s a good chance you’ll pay more for car insurance because you’re at higher risk for getting into an accident.
Save up to $1,100 per year on coverage
Brockton is home to a higher per-capita rate of young people than Massachusetts as a whole, so finding affordable coverage for teens is a common challenge.[6] Brockton teens pay $301 per month, on average, for liability-only coverage.
Here are the cheapest car insurance rates for Brockton teens:
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $159 |
| GEICO | $257 |
| USAA | $257 |
| Progressive | $327 |
| Safeco | $335 |
| Liberty Mutual | $348 |
| Embark | $594 |
| Travelers | $671 |
| Amica | $806 |
Brockton seniors make up the largest portion of the city’s population, at 17%.[7] State Farm offers the best price on liability coverage for Brockton’s senior drivers, at an average of $65 per month.
The following table shows the average rates that each insurance company charges senior drivers in Brockton:
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $65 |
| GEICO | $115 |
| USAA | $116 |
| Safeco | $144 |
| Progressive | $159 |
| Liberty Mutual | $167 |
| Travelers | $263 |
| Embark | $289 |
| Amica | $350 |
If you have more questions about car insurance in Brockton, Massachusetts, check out the questions below.
Brockton drivers pay $206, on average, for car insurance. It’s one of the most expensive cities in the state for auto coverage because of high vehicle theft and accident rates.
State Farm charges the lowest average car insurance premiums, at $85 per month for minimum coverage.
Brockton residents must purchase at least $25,000 per person in bodily injury liability coverage (up to $50,000 per accident), $30,000 in property damage liability coverage, $8,000 in personal injury protection, and uninsured motorist coverage.
Local factors in Brockton, like auto theft rates and weather risks, can affect your rates. More personal factors, like your choice of insurance company, deductible amount, and the amount of coverage you buy, all affect your coverage costs. Your driving history, age, gender, and ZIP code also affect your coverage costs.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
