Best cheap car insurance in Brockton for 2021


Drivers who live in Brockton, Massachusetts are legally required to have auto insurance, which protects your financial and legal responsibilities in the event of a car accident. In 2020, there were 100,578 vehicle crashes in Massachusetts, including 24,642 that resulted in injuries.

The average annual cost of auto insurance in Brockton is $ 908 for a minimum coverage policy and $ 1,993 for a full coverage policy., which are more expensive than the state’s average tariffs. Bankrate researched the best car insurance companies in Brockton using factors like coverage options, discounts, and third party ratings to help you find the best cheap rates in your area.

Best Auto Insurance Companies in Brockton

There are several auto insurance companies in Massachusetts, but based on our research, Brockton’s main providers are Amica, Geico, and Progressive. These companies aren’t necessarily the cheapest, but offer great auto discounts, reliable coverage, and excellent customer satisfaction ratings from JD Power.

Insurance company JD Power Score Average annual premium for minimum coverage Average annual premium for full coverage
Amica 867/1000 $ 811 $ 2,486
Geico 841/1000 $ 1,178 $ 2,134
Progressive 840/1000 $ 1,101 $ 2,388


Amica was ranked the best insurer for overall customer satisfaction in the New England area by JD Power. Amica’s full coverage rates in Brockton are more expensive than other insurers reviewed in our study, but there are ways to save money. The company offers generous discounts to loyal customers, homeowners, bundled policies, good students, young drivers, in-vehicle safety features and more. In addition, Amica offers dividends, which allow holders of dividend policies to recover part of their annual premium.


Geico offers basic auto insurance coverage, so it may not be the best option for Brockton drivers looking for top-ups. However, Geico offers a long list of unique discounts, which many other companies don’t offer. Geico offers discounts for military personnel, federal employees, emergency deployments, affinity groups / employers, good students, bundling your policies, defensive driving courses and many more.


Progressive is one of the best auto insurance companies in Brockton for drivers looking for a variety of discounts. Progressive offers more than a dozen discounts, including its well-known rewards program for safe drivers, Snapshot, which provides users with an average annual savings of $ 145. Plus, Progressive has some great online tools and resources, like the Name Your Price tool, which lets you create a policy to fit your specific budget.

The cheapest auto insurance in Brockton

Auto insurance in Brockton is more expensive than average Massachusetts rates, which are $ 1,223 per year for full coverage and $ 510 per year for minimum coverage. Bay State drivers pay less for auto insurance than the national average. For comparison, the average cost of auto insurance in the United States is $ 1,674 per year for full coverage.

Auto insurance rates are determined by several factors, including your age, driving history, and the insurance company. The following table shows the cheapest auto insurance rates in Brockton from the most popular carriers based on market share:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Hanover $ 747 $ 2,190
Amica $ 811 $ 2,486
Allstate $ 904 $ 2,124
Progressive $ 1,101 $ 2,388

The cheapest auto insurance companies in Massachusetts each have their pros and cons. When looking for insurance companies, it is important to compare providers for factors other than price.

For example, if you plan to personalize your policy with endorsements, consider Allstate or Amica, which have several add-ons. If you’re more concerned with great customer service, check out Amica or Progressive, which have high JD Power satisfaction ratings. The four insurers on our list offer a wide range of discounts, but you’ll have to compare them as the savings offered will vary.

Brockton Insurance Requirements

Every vehicle registered in Massachusetts must have auto insurance. In Massachusetts, drivers must purchase third party liability insurance, coverage for uninsured motorists, and personal injury protection (PIP). The minimum coverage limits are:

  • $ 20,000 in civil liability for bodily injury per person
  • $ 40,000 in civil liability for bodily injury per accident
  • $ 5,000 in property damage civil liability accident
  • $ 20,000 in uninsured bodily injuries by a motorist per person
  • $ 40,000 in uninsured bodily injury per motorist accident
  • $ 8,000 in PIP per person per accident

A minimum coverage policy usually offers the cheapest auto insurance rates. However, insurance professionals recommend that most drivers have coverage limits higher than the minimum required limits. There is no guarantee that a minimum coverage policy will cover your legal and financial liability if you hit another driver. If the losses are not fully covered by your insurer, you have to pay the rest out of pocket.

The minimum coverage also does not provide coverage for your vehicle if it is damaged. You might want to consider optional collision insurance and comprehensive coverage to help pay for repairs to your vehicle. If you lease or finance your car, your lender may require full coverage and collision coverage.

Auto Insurance Discounts in Brockton

Most Massachusetts auto insurance companies offer discounts. Specific savings vary by insurer, but common discounts include:

  • Good student discount: High school and college students who maintain a B average or higher are usually eligible for a discount.
  • Multi-policy discount: Drivers who buy a car and a house, renters, condo, umbrella, or life insurance policy from the same insurance company can usually get a big discount on the package.
  • Defensive driving course discount:If you take an approved defensive driving course, some insurance companies will offer you a lower rate.
  • Discount without complaint: Drivers who have not filed an insurance claim in the past few years can qualify for a No Claims Discount.

While discounts on auto insurance can help save you money, the actual savings potential depends on the insurance company. For example, you can save up to 30% with Amica by bundling policies, but with Progressive the average saving is 5%. Make sure you pay attention to the savings potential for any discounts you can claim when comparing vendors.

Frequently Asked Questions

What is the best auto insurance company?

To find the best auto insurance company for you, shop around and compare insurance providers using the criteria that are important to you. Then get some quotes to see which company can offer the lowest rate with the right coverage.

How much does auto insurance cost in Brockton?

The average Brockton driver pays $ 1,993 per year for a full coverage policy and $ 908 per year for a minimum coverage policy. However, you could pay a lower or higher rate depending on your age, driving experience, claims history, and the type of vehicle you drive.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit (if applicable) and the following full coverage limits:

  • Liability for bodily injury of $ 100,000 per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.

These are sample rates and should only be used for comparison purposes. Your quotes may be different.

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