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Best cheap car insurance in Brockton for 2022

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

The average annual cost of car 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 rates. 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 car insurance companies in Brockton

There are several car insurance companies in Massachusetts, but based on our research, the top providers in Brockton are Amica, Geico and Progressive. These companies are not necessarily the cheapest but offer great auto discounts, reliable coverage and excellent customer satisfaction ratings by J.D. Power.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Amica 867/1,000 $811 $2,486
Geico 841/1,000 $1,178 $2,134
Progressive 840/1,000 $1,101 $2,388


Amica was rated the best insurer for overall customer satisfaction in the New England region by J.D. Power. Amica’s full coverage rates in Brockton are more expensive than the other insurers reviewed in our study, but there are ways to save. The company offers generous discounts for loyal customers, owning a home, bundling policies, good students, young drivers, having safety features in your vehicle and more. Plus, Amica offers dividends, which allow dividend policyholders to recoup a portion of their annual premium.


Geico offers basic car insurance coverage, so it may not be the best option for Brockton drivers looking for add-ons. However, Geico offers a long list of unique discounts, many of which other companies do not offer. Geico has discounts for military personnel, federal employees, going on emergency deployment, affinity/employer groups, good students, bundling your policies, taking a defensive driving course and many others.


Progressive is one of the top car insurance companies in Brockton for drivers who are looking for a variety of discounts. Progressive offers more than a dozen discounts, including its well-known safe driver rewards program, Snapshot, which has an average annual savings of $145 for users. In addition, Progressive has great online tools and resources, like the Name Your Price Tool, which allows you to build a policy that fits within your specific budget.

Cheapest car insurance in Brockton

Car insurance in Brockton is more expensive than the average rates in Massachusetts, which is $1,223 per year for full coverage and $510 per year for minimum coverage. Drivers in the Bay State pay less for car insurance than the national average. For comparison, the average cost of car insurance in the U.S. is $1,674 a year for full coverage.

Auto insurance rates are determined by several factors, including your age, driving history and the insurance company. The following table looks at the cheapest car 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
The Hanover $747 $2,190
Amica $811 $2,486
Allstate $904 $2,124
Progressive $1,101 $2,388

The cheapest car insurance companies in Massachusetts each have advantages and disadvantages. As you are shopping for insurance companies, it is important to compare providers against factors besides price.

For example, if you plan to customize your policy with endorsements, consider Allstate or Amica, which offer several add-ons. If you are more concerned about great customer service, look into Amica or Progressive, which have high J.D. Power satisfaction ratings. All four insurers on our list offer a wide range of discounts, but you will need 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 carry personal liability insurance, uninsured motorist coverage and Personal Injury Protection (PIP). The minimum coverage limits are:

  • $20,000 in bodily injury liability per person
  • $40,000 in bodily injury liability per accident
  • $5,000 in property damage liability accident
  • $20,000 in uninsured motorist bodily injury per person
  • $40,000 in uninsured motorist bodily injury per accident
  • $8,000 in PIP per person and per accident

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

Minimum coverage also does not offer any coverage for your vehicle if it is damaged. You might consider optional collision and comprehensive coverage to help pay for your vehicle’s repairs. If you lease or finance your car, your lender may require comprehensive and collision coverage.

Car insurance discounts in Brockton

Most car insurance companies in Massachusetts offer discounts. The specific savings will vary based on the insurer, but common discounts include:

  • Good student discount: High school and college students who maintain a B average or higher usually can earn a discount.
  • Multi-policy discount: Drivers who purchase a car and home, renters, condo, umbrella or life insurance policy with the same insurance company can usually qualify for a significant bundle discount.
  • Defensive driving course discount:If you complete an approved defensive driving course, some insurance companies will give you a lower rate.
  • Claim-free discount: Drivers who have not filed an insurance claim within the last few years may qualify for a claim-free discount.

While car insurance discounts can help you save 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 savings is 5%. Make sure to pay attention to the savings potential for all discounts you can qualify for when comparing providers.

Frequently asked questions

What is the best car insurance company?

To find the best car insurance company for you, shop around and compare insurance providers by using the criteria that is important to you. Then get a few quotes to see which company can offer the lowest rate at the right coverage.

How much does car insurance in Brockton cost?

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


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit (if applicable) and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

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

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, and NextAdvisor, among others
Edited by
Managing Editor