Best cheap car insurance in Brockton for 2021

Brockton residents are legally required by law to have car insurance. This protects you from financial and legal responsibility in the event that an accident occurs. In 2020, there were 100,578 vehicle accidents in Massachusetts, including 24,642 that resulted in injuries.

Brockton’s average annual car insurance cost is $908 for a minimum coverage policy. Full coverage policies are $1,993 more costly than the state average rates. Bankrate compared the top car insurance companies in Brockton based on factors such as coverage options, discounts, and third-party ratings. This will help you to find the lowest rates in your region.

The best car insurance companies Brockton

There are several car insurance companies in Massachusetts, but based on our research, the top providers in Brockton are Amica, Geico and Progressive. Although they aren’t necessarily the most affordable, these companies offer excellent auto discounts, reliable coverage, and outstanding customer satisfaction ratings from J.D. Power.


J.D. rated Amica as the top insurer in New England for customer satisfaction. Power. Amica’s Brockton full coverage rates are higher than other insurers in our review, but there are still ways to save. Loyal customers get generous discounts, such as owning a house, bundling policies and young drivers. Safety features can also be added to your car. Amica also offers dividends that allow policyholders who have dividend policies to recover a portion their annual premium.


Geico provides basic car insurance coverage. This may not be the best choice for Brockton drivers who are looking for additional benefits. Geico has a number of exclusive discounts that other companies don’t offer. Geico offers discounts for military personnel and federal employees.


For drivers looking for discounts, Progressive is the best car insurance company in Brockton. 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. Progressive also offers great online resources and tools, such as the Name Your Price Tool which allows you build a policy that suits your budget.

Cheapest car insurance in Brockton

Car insurance in Brockton costs more than Massachusetts’ average rates. The Massachusetts average rate is $1,223/year for full coverage, and $510/year for minimum coverage. The Bay State drivers pay less for car insurance than national average. For comparison, the average cost of car insurance in the U.S. is $1,674 a year for full coverage.

Your driving record, age, and the insurance company all play a part in determining your auto insurance rate. Below is a table that shows the cheapest Brockton car insurance rates based on market share.

The cheapest car insurance companies in Massachusetts each have advantages and disadvantages. It is important to evaluate providers against other factors when you shop for insurance companies.

If you want to personalize your policy with endorsements and other add-ons, Amica or Allstate offer a variety of options. Progressive or Amica are great options if you care more about customer service. Power satisfaction ratings. The four listed insurers offer a variety of discounts. However, you should compare their offers as they may offer different savings.

Insurance requirements for Brockton

Auto insurance must be purchased for every vehicle that is registered in Massachusetts. Massachusetts drivers must have personal liability insurance, uninsured driver coverage, and Personal Injury Protection (PIP) The minimum coverage limits are:

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

A minimum coverage policy generally offers the cheapest car insurance rates. Insurance professionals recommend that drivers have higher coverage limits than the minimum. It is not guaranteed that your financial and legal responsibility will be covered by a minimum coverage policy if you are involved in an accident with another driver. You will have to pay the remainder out of pocket if your insurance does not cover the full amount.

If your vehicle is damaged, minimum coverage does not provide any coverage. To help with vehicle repairs, you might want to consider adding optional collision or comprehensive coverage. Your lender might require collision and comprehensive coverage if you finance or lease your vehicle.

Discounts on car insurance in Brockton

Most car insurance companies in Massachusetts offer discounts. While the specific savings vary depending on the insurer, common discounts include:

  • Student discount for good grades: Students in high school or college who have a minimum B average can usually get a discount.
  • Multi-policy Discount: Drivers who buy a car, home, renters or condo insurance policy from the same company may be eligible for a substantial bundle discount.
  • Discount on defensive driving courses: Some insurance companies will offer a lower rate if you take a approved defensive driving course.
  • Discount for drivers who have not made an insurance claim in the past few years could be eligible for a claim-free discount.

Car insurance discounts may help you save money but the actual savings potential will depend on which insurance company you choose. Amica can help you save as much as 30% by bundling your policies. Progressive however, offers an average savings of 5%. When comparing providers, be sure to consider the savings potential of all discounts that you may qualify for.

Questions frequently asked

Which is the best auto 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. Next, get several quotes to find the best rate and coverage.

What is the cost of car insurance in Brockton?

Brockton’s average driver pays $1,993 annually for full coverage insurance and $908 for minimum coverage insurance. You might pay a lower rate or a higher rate depending on your driving record, claim history, age and vehicle type.