Best Brockton, MA Auto Insurance in 2025 (Review the Top 10 Companies Here)
The best Brockton, MA auto insurance comes from Progressive, State Farm, and Nationwide, offering strong coverage, trusted service, and rates starting at just $34 a month. Take advantage of Snapshot, Drive Safe & Save, and accident forgiveness to secure better savings and protection today.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Apr 28, 2025
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13,283 reviewsCompany Facts
Full Coverage in Brockton MA
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
18,154 reviewsCompany Facts
Full Coverage in Brockton MA
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
3,071 reviewsCompany Facts
Full Coverage in Brockton MA
A.M. Best Rating
Complaint Level
Pros & Cons
3,071 reviewsThe best Brockton, MA auto insurance providers are Progressive, State Farm, and Nationwide with rates beginning at $34 per month for the most premium coverage for your vehicle needs.
Our guide below covers each provider’s advantages to help you find the most affordable and dependable auto insurance coverage options that will perfectly fit your car insurance needs in Brockton, Massachusetts.
Our Top 10 Company Picks: Best Brockton, MA Auto Insurance
| Company | Rank | A.M. Best | Bundling Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A+ | 10% | Innovative Savings | Progressive |
 | #2 | B | 17% | Various Discounts | State Farm |
 | #3 | A+ | 20% | Flexible Coverage | Nationwide |
 | #4 | A | 25% | Local Expertise | Liberty Mutual |
 | #5 | A+ | 30% | Customer Satisfaction | Amica |
 | #6 | A++ | 25% | Affordable Rates | Geico |
 | #7 | A++ | 13% | Young-Driver Discounts | Travelers |
 | #8 | A+ | 25% | Comprehensive Coverage | Allstate |
 | #9 | A | 20% | Massachusetts-Focused Coverage | Mapfre |
 | #10 | A+ | 5% | Claims Support | The Hartford |
Whether you’re a first-time car owner or looking to switch insurers, this comprehensive overview will empower you to make the best choice with confidence.
- Get the best Brockton, MA auto insurance with rates from $34 a month
- Leading Brockton insurers deliver strong coverage and valuable savings
- Progressive shines with Snapshot discounts and easy online policy tools
You’re paying too much for auto insurance. Type in your ZIP code to see if you can do better.
#1 – Progressive: Top Overall Pick
Pros
- Affordable Rates in Brockton: Progressive offers premiums starting at $34 a month for local drivers.
- Seamless Policy Management: Brockton residents can easily handle insurance needs through Progressive’s app and online tools.
- Trusted Support in Brockton: Progressive’s wide network delivers fast, reliable service across the Brockton area. Check our guide, Progressive auto insurance review, for more info.
Cons
- Potential Rate Increases: Progressive drivers in Brockton may see higher premiums after filing claims, impacting long-term savings.
- Fewer Local Agents: With limited in-person offices in Brockton, Progressive may not offer the same level of personalized support as local insurers.
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#2 – State Farm: Best for Various Discounts
Pros
- Savings for Brockton Drivers: State Farm offers Brockton families big savings through safe driver rewards and multi-policy bundles.
- Reliable Coverage in Brockton: State Farm delivers trusted protection and responsive claims service tailored to Brockton residents.
- Local Brockton Agent Support: A strong network of State Farm agents provides personalized advice and service right in Brockton. Get all the details in our guide, State Farm auto insurance review.
Cons
- Higher Initial Costs: Without discounts, State Farm’s premiums may be less appealing for budget-conscious Brockton drivers.
- Basic App Features: Brockton residents who prefer digitals might find the app less feature-rich than others.
#3 – Nationwide: Best for Flexible Coverage
Pros
- Custom Plans for Brockton Drivers: Nationwide’s vanishing deductible and flexible options tailor coverage to Brockton’s needs.
- Safe Driving Incentives: Tools like the SmartRide app reward Brockton’s careful drivers with discounts for good habits.
- High Claims Satisfaction: Brockton policyholders can feel confident in Nationwide’s positive claims experiences. To get all the info, see our guide, Nationwide auto insurance review.
Cons
- Weaker Local Presence: Nationwide might not offer the same level of Brockton-specific insights as regionally focused insurers.
- Premium Comparisons: Rates can be less competitive for Brockton residents seeking ultra-budget policies.
#4 – Liberty Mutual: Best for Local Expertise
Pros
- Tailored for Brockton Drivers: Liberty Mutual offers Massachusetts-focused coverage designed to meet local regulations and needs.
- Premium Protection Options: Brockton residents can benefit from features like new car replacement for added peace of mind.
- Savings for Brockton Families: Liberty Mutual’s bundling discounts and special offers help local drivers lower their insurance costs. Learn more in our Liberty Mutual auto insurance review.
Cons
- Variable Costs: Brockton drivers may experience fluctuating premiums depending on specific neighborhoods or risk factors.
- Discount Strings: Accessing certain savings options may require policy upgrades that could offset the benefits.
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#5 – Amica: Best for Customer Satisfaction
Pros
- Top Service for Brockton Drivers: Amica’s customer-first approach earns high satisfaction from local drivers.
- Comprehensive Plans for Brockton Residents: Amica offers dividend policies and tailored add-ons for premium protection.
- Reliable Claims Support in Brockton: Amica delivers a smooth, stress-free claims process when drivers need it most. Read our Amica auto insurance review for more details.
Cons
- Pricier Plans: Amica’s premiums might deter cost-sensitive drivers in Brockton.
- Limited Online Features: Brockton residents relying on digital tools may find Amica less accommodating.
#6 – Geico: Best for Affordable Rates
Pros
- Affordable Coverage in Brockton: Geico’s competitive rates help local drivers save without cutting corners.
- Easy Policy Management for Brockton Drivers: Geico’s mobile app makes handling policies and claims quick and hassle-free.
- Reliable Service in Brockton: Geico’s strong network delivers fast, dependable support across the Brockton area. Visit our guide, Geico auto insurance review, for more information.
Cons
- Lack of Personalization: Fewer local agents may mean less customized advice for Brockton policyholders.
- Discount Limitations: Drivers in Brockton logging high mileage may find fewer savings options with Geico.
#7 – Travelers: Best for Young-Driver Discounts
Pros
- Savings for Young Drivers in Brockton: Travelers offers good student discounts and driver training savings for local teens and young adults.
- Flexible Protection for Brockton Residents: Travelers provides add-ons like gap insurance and accident forgiveness to boost coverage.
- Strong Financial Support for Brockton Claims: Travelers’ solid financial strength ensures local drivers get fast, reliable claims handling. Learn more by visiting our guide, Travelers auto insurance review.
Cons
- Seniors may pay More: Older drivers in Brockton might find Travelers’ premiums less favorable.
- Service Gaps: Customer service experiences are average, which might not fully meet expectations of Brockton residents.
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#8 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage for Brockton Drivers: Allstate offers accident forgiveness and new car replacement to boost full coverage for Brockton drivers.
- Local Agent Support in Brockton: Allstate’s broad agent network provides personalized, face-to-face service tailored to Brockton policyholders.
- Easy Digital Tools for Brockton Residents: The Allstate app streamlines claims, payments, and policy updates for drivers on the go. You can read more in our guide, Allstate auto insurance review.
Cons
- Higher Costs: Brockton drivers on tight budgets may find Allstate’s rates less competitive.
- Limited Discounts for Older Cars: Drivers with aging vehicles in Brockton might find fewer savings opportunities.
#9 – Mapfre: Best for Massachusetts-Focused Coverage
Pros
- Local Expertise in Brockton: Mapfre’s Massachusetts focus delivers expert insight into Brockton’s insurance needs.
- Exclusive Savings for Brockton Drivers: Mapfre provides area-specific discount programs tailored for local residents.
- Reliable Regional Support in Brockton: Mapfre’s strong Northeast network ensures fast, dependable service for Brockton policyholders.
Cons
- Restricted Reach: Drivers moving out of the region may face challenges transferring policies.
- Tech Gaps: Brockton residents looking for advanced digital tools may find Mapfre lacking. Read more below to compare auto insurance companies.
#10 – The Hartford: Best for Claims Support
Pros
- Claims Expertise: The Hartford excels in handling claims for Brockton drivers, especially those who are AARP members.
- Recovery Benefits: Unique options like RecoverCare support Brockton residents recovering from accidents.
- Senior-Centric Policies: Tailored plans cater to experienced drivers in Brockton over 50. Read our The Hartford auto insurance review for details.
Cons
- Limited Focus for Younger Brockton Drivers: Non-senior drivers may find fewer personalized insurance options suited to their needs.
- Membership Dependency for Brockton Discounts: Many of Hartford’s best savings and perks require AARP membership, restricting deals for non-members.
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Brockton, Massachusetts Auto Insurance Coverage Mandates
If you want cheap car insurance in Brockton, MA, you’ve come to the right spot. The numbers you’re about to see are the average monthly rates, for USAA, minimum coverage and full coverage, by insurer. This analysis will aid Brockton motorists in finding the most affordable deal for their insurance needs.
Brockton, MA Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $43 | $120 |
| $38 | $107 |
| $34 | $99 |
| $42 | $118 |
| $35 | $100 |
| $36 | $102 |
| $37 | $105 |
| $39 | $110 |
| $41 | $115 |
| $40 | $113 |
As you can see, the price for minimum and full coverage auto insurance in Brockton can vary significantly by the insurance company you choose to get a quote with.
Whether it’s getting the lowest possible monthly premium or choosing a low deductible, if you compare multiple companies at the same time, you can rest easy knowing you’re getting the best deal for you.
Just make sure and compare discounts, cover options, and factors affecting your car insurance premium so you can keep safe and save some money while you’re driving.
Coverage Options for Brockton, MA Auto Insurance
Drivers in Brockton, MA have several key insurance options to protect themselves. Liability insurance covers damages they cause to others, while collision insurance pays for repairs to their own car after an accident. Comprehensive coverage protects against theft, vandalism, and weather damage — important in a city like Brockton with rising auto theft.
Personal Injury Protection (PIP), required in Massachusetts, helps with medical expenses regardless of fault. Uninsured and underinsured motorist coverage provides an added layer of protection in the event another driver has low limits or no insurance.
Medical payments car insurance coverage can help pay for hospital bills and other medical expenses for the driver and passengers, regardless of who is at fault for an accident.
Gap insurance can be helpful too, paying off the difference between a car’s value and how much is left on a loan if the vehicle is totaled. Riders like roadside assistance and rental car reimbursement mean you won’t be left in the lurch or without a ride if you get in an accident. Selecting the appropriate combination of these coverages ensures Brockton motorists are well-protected and are cost-savvy about their coverage.
Maryland Minimum Auto Insurance Requirements
In Maryland, drivers must carry at least $30,000 in bodily injury coverage per person, $60,000 per accident, and $15,000 for property damage. They also need uninsured motorist coverage at the same levels, plus $15,000 for uninsured property damage with a $250 deductible.
Personal Injury Protection (PIP) coverage must be at least $2,500 unless officially waived. Understanding these minimums helps drivers stay legal and better compare coverage needs across states.
For more information, please read the comprehensive articles below:
- An Explanation of Deductibles
- What is an auto insurance deductible and how does it work?
- Is it a bad idea to have a high deductible on your auto insurance?
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Top Auto Insurance Discounts Available in Brockton, MA
As you can see, every car insurance company structures their discount categories differently, and some will offer more significant discounts in certain areas, such as bundling or for safe driving. When shopping for an insurer, it’s wise to look not only at that base rate but also at how these discounts can reduce your total cost.
Being able to utilize them can assist you in both cutting down costs in your insurance plan and getting the best value on quality insurance in Brockton, MA.
Auto Insurance Discounts From the Top Providers in Brockton, MA
| Insurance Company | Accident-Free | Bundling | Claims-Free | Good Student | Loyalty |
|---|---|---|---|---|---|
| 25% | 25% | 10% | 25% | 15% |
| 25% | 30% | 20% | 15% | 20% |
| 22% | 25% | 12% | 15% | 10% |
| 20% | 25% | 8% | 12% | 10% |
| 20% | 20% | 15% | 10% | 10% |
| 20% | 20% | 14% | 18% | 8% |
| 10% | 10% | 10% | 10% | 13% |
| 17% | 17% | 11% | 35% | 6% |
| 5% | 3% | 5% | 12% | 7% |
| 13% | 13% | 13% | 8% | 9% |
You can see each insurer has a different level of discounts, and certain insurers clearly sweeten the pot in certain categories, such as bundling or insuring good drivers.
It’s important when you’re searching for an insurer that you don’t just look at the base fee, and remember that there are different discounts, including ones like the safe driver discount, that can lower your insurance premium significantly. By taking advantage of these cost reductions, you can reduce your premiums while still getting excellent car insurance coverage in Brockton, MA.
Key Considerations for Affordable Car Insurance in Brockton, MA
The most important things which will determine your monthly premium are described in detail in this section. Some of these factors can make up as much as 25 percent of your overall premium.
That’s why it’s so important to understand what they are, what they mean, and what you can do to make them work to your advantage.
Your ZIP Code
Given the total 95,623 residents in Brockton right now, the average household is bringing home about $50,034 a year. Believe it or not, this information is important when it comes to your car insurance premiums.
Brockton, MA Auto Insurance Monthly Rates by ZIP Code
| ZIP | Rates |
|---|---|
| 2301 | $301 |
| 2302 | $301 |
Higher populations tend to mean you’re sharing the road with more drivers, and therefore increases your likelihood of an accident. But living in an affluent, high-income area means you might be at lower risk for things like theft or vandalism of your vehicle.
Automotive Accidents
Unfortunately, accident statistics in Brockton aren’t so great. Because the number of accidents in your area is so high, this could be a big problem when you’re looking for better rates on your car insurance premiums.
Fatal Accidents in Brockton, MA
| Category | Count |
|---|---|
| Persons Involved in Fatal Crashes | 27 |
| Vehicles Involved in Fatal Accidents | 18 |
| Fatalities | 13 |
| Fatal Accidents | 13 |
| Fatal Crashes Involving Drunk Persons | 5 |
| Pedestrians Involved in Fatal Crashes | 5 |
Not only are you sharing the road with so many tens of thousands of other drivers, but accidents are more likely to happen in your city for whatever reason. It’s a good idea to discuss this with your insurance provider and ask them for suggestions about what you can do to lower your Brockton, MA auto insurance rates.
Auto Thefts in Brockton
In total, there were 280 vehicles stolen last year in Brockton. That might not seem like very much, but the unfortunate thing is that this is the fourth year in a row that auto thefts have been on the rise in the city.
If you don’t have a car alarm installed on your vehicle, now would be a good time to look into one. You can also ask your insurance agent for tips on how to proactively protect yourself from auto theft in order to get some discounts off your policy.
Your Credit Score
Believe it or not, there are three states in the US where your credit score doesn’t matter when it comes to your car insurance premiums. Massachusetts is one of them.
Brockton, MA Auto Insurance Monthly Rates by Provider & Coverage Type
| Insurance Company | Collision | Comprehensive |
|---|---|---|
| $30 | $80 |
| $25 | $75 |
| $20 | $65 |
| $35 | $90 |
| $28 | $85 |
| $32 | $95 |
| $27 | $78 |
| $22 | $70 |
| $30 | $88 |
| $34 | $92 |
Unfortunately, some car insurance companies may decide to charge everyone a little bit more just to make sure that their bottom line is taken care of. In other states, car insurance providers charge more money to people with poor credit because they would likely lose money otherwise.
Your Age
It’s an unfortunate fact of life that the less experience you have with something, the more likely you are to get it wrong. When it comes to driving, this lack of experience can lead to expensive and dangerous mistakes.
Brockton, MA Auto Insurance Monthly Rates by Age
| Insurance Company | Age: 17 | Age: 34 |
|---|---|---|
| $806 | $177 |
| $634 | $153 |
| $443 | $126 |
| $758 | $189 |
| $499 | $138 |
| $682 | $161 |
| $917 | $204 |
| $273 | $112 |
| $845 | $192 |
| $987 | $223 |
This increased risk of danger and accidents is the main reason why teenagers and young drivers in their twenties have such a hard time finding an affordable Brockton, MA auto insurance policy.
Good grades and driver’s education will only get you so far. Beyond that, time and experience will take you the rest of the way towards lower rates.
Your Driving Record
How good of a driver are you? Because if you’re a bad driver, you’re going to get charged more for your auto insurance rates. The fewer accidents you’ve had in the recent past, the easier it will be for you to get a good deal. But if you don’t have a perfect record, don’t despair.
Brockton, MA Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $165 | $195 | $245 | $310 |
| $140 | $170 | $230 | $290 |
| $110 | $135 | $190 | $280 |
| $175 | $210 | $265 | $325 |
| $160 | $185 | $240 | $305 |
| $145 | $170 | $225 | $295 |
| $155 | $190 | $260 | $330 |
| $125 | $150 | $200 | $275 |
| $150 | $180 | $240 | $310 |
| $135 | $165 | $220 | $290 |
Car insurance providers don’t count any tickets, filed claims, or accidents you’ve had beyond your most recent 3 to 5 years of driving. And if you’ve had a ticket or an accident recently, just keep your record clean for as long as you can to eventually get a better discount.
Your Vehicle
Did you know that older vehicles don’t necessarily require as much insurance coverage as newer ones? Older vehicles are easier to replace because they won’t cost as much to buy a similar model of a similar age for a similar price.
Brockton, MA Auto Insurance: Monthly Rates by Vehicle Type
| Company | Sedan | SUV | Pickup Truck | Crossover | Minivan |
|---|---|---|---|---|---|
| $145 | $154 | $162 | $150 | $158 |
| $139 | $147 | $155 | $143 | $151 |
| $128 | $135 | $144 | $132 | $140 |
| $147 | $155 | $163 | $151 | $160 |
| $133 | $141 | $149 | $138 | $145 |
| $140 | $148 | $156 | $144 | $152 |
| $131 | $139 | $147 | $135 | $143 |
| $134 | $142 | $150 | $138 | $146 |
| $138 | $146 | $153 | $142 | $150 |
| $135 | $143 | $151 | $139 | $147 |
And since vehicle value erodes over time, that makes it easier and easier to get affordable coverage.
You can also save money by reducing the amount of or eliminating your comprehensive and collision coverage. After all, if you’re driving an old clunker, do you really care if it gets a dent or a ding here or there.
Save on Car Insurance in Brockton, MA
Maximizing your Brockton MA car insurance savings starts with understanding the different types of car insurance and all the discounts available to you. By comparing options and taking advantage of opportunities like safe driver discounts Brockton MA drivers can enjoy, you can significantly lower your premium.
It’s important to not just settle for the first offer you see — always compare car insurance quotes Brockton to find the best deal tailored to your needs. Finding the best auto insurance discounts Brockton providers offer can make a big difference in both your coverage quality and your overall expenses.
Knowing the different types of car insurance and using discounts helps you choose the right coverage and file claims easily.
Chris Abrams Licensed Insurance Agent
With a little research into the right coverage options and available savings, you’ll be well on your way to securing affordable car insurance Brockton MA residents can trust. Start today and enjoy the peace of mind that comes with having lower car insurance rates Brockton drivers deserve.
If you’re in search of only the minimum coverage in order to drive legally, you can enter your ZIP code and compare cheap auto insurance quotes near you.
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Frequently Asked Questions
What new laws impact auto insurance requirements in Brockton, MA?
Brockton drivers must carry active auto insurance that meets state minimums, with stricter enforcement and higher penalties for lapses.
How can Brockton drivers save on auto insurance with telematics programs?
Progressive offers innovative savings options, including telematics programs that reward safe driving habits with additional discounts. Using telematics can significantly lower your premiums over time. Enter your ZIP code to begin saving on your auto insurance rates.
Is it worth bundling home and auto insurance in Brockton, MA?
Bundling can result in significant savings. Amica offers up to 30% off, Liberty Mutual and Geico give 25% car insurance discounts, and Nationwide offers 20% savings—making bundling a smart way to maximize value.
Do electric vehicles affect auto insurance rates in Brockton?
Electric vehicles typically cost more to insure, but companies like Geico and Liberty Mutual offer discounts to help offset the higher premiums.
How does inflation impact car insurance premiums in Brockton?
Inflation has contributed to higher vehicle repair and parts costs, which have led to a general rise in insurance premiums across Brockton. Shopping around with providers like Progressive and State Farm helps drivers find better deals despite these market changes.
Are there special discounts for military families in Brockton, MA?
Liberty Mutual, Geico, and The Hartford have loyalty and bundling discounts that could help military families, and some providers offer military auto insurance programs that thank service members for their dedication.
What happens if I let my auto insurance lapse in Massachusetts?
Allowing your coverage to lapse may result in costly fines or even a suspended license, and more expensive insurance rates in the future. The low-cost entrance for Progressive and Geico makes the process short to get coverage back to avoid further ramifications.
Is usage-based insurance available for Brockton drivers?
Yes, providers like Progressive and Nationwide offer usage-based programs that monitor driving behaviors, allowing safe drivers to earn discounts and enjoy more customized, affordable premiums.
Can Brockton drivers get discounts for low annual mileage?
Low-mileage drivers can unlock savings through providers like Amica, Geico, and Travelers, featured in our ultimate road safety guide, offering specialized programs and discounts for those who drive less.
How do insurance companies verify driving history in Brockton?
Insurance providers like State Farm and Allstate verify your driving record by checking DMV records and claims history, which helps determine your eligibility for discounts such as accident-free savings.
Do rideshare drivers in Brockton need special insurance coverage?
Rideshare drivers are required to carry special endorsements or gap coverage between personal and commercial insurance policies. Companies like Liberty Mutual and Travelers offer coverage options specifically tailored for rideshare needs.
How quickly can Brockton residents get insured online?
Progressive and Geico offer the option for drivers to compare rates, buy and view digital proof of insurance online in minutes, so Brockton residents can get insured easily, with higher insurance readability.
Does severe weather impact auto insurance rates in Brockton?
Severe weather events have increased comprehensive coverage rates. Providers like Nationwide and The Hartford offer strong claims support and flexible options to protect against weather-related damages.
What is gap insurance, and do Brockton drivers need it?
Gap insurance covers the difference between your loan balance and the car’s value if totaled. It’s recommended for new buyers, with easy add-ons from Allstate and Nationwide. Enter your ZIP code to see if you can save on auto insurance.
Are there discounts available for students in Brockton, MA?
Yes. State Farm offers up to a 35% good student discount, while Allstate and Amica also provide significant savings for students who maintain good academic performance.