For a 40-year-old driver with a clean record, car insurance in Brockton, MA, averages about $296 a month ($3,548 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 63% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average of the five insurers we price, at about $205 a month.
Brockton has the highest full-coverage average of the 16 Massachusetts cities with an InsuranceQuotes guide, about $296 a month for our benchmark driver, about $114 a month more than the Massachusetts average. It’s also the most expensive place we price outside Suffolk County, which takes in Boston, Chelsea, Revere and Winthrop.
Both Brockton ZIP codes in our data (02301 and 02302) are priced the same for our benchmark driver, about $296 a month for full coverage, so there’s no ZIP code table on this page. Plymouth Rock has the lowest average in our Brockton data, about $205 a month, about 23% below Progressive ($267), the next insurer we rank.
Cost data comes from the auto rates insurers file with state regulators, priced across both Brockton ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
Full coverage in Brockton averages $3,548 a year, or about $296 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $1,427 a year ($119 a month), and 50/100/50 liability with comprehensive and collision averages $3,463 ($289 a month).
Plymouth Rock has the lowest full-coverage average among the five insurers in our Brockton rate data. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average among the insurers we price, at about $89 a month, followed by GEICO and Safety Insurance, effectively tied at $118 and $119.
Full-coverage averages by insurer in Brockton
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Plymouth Rock | $1,073 | $89 | $2,454 | $205 |
| Progressive | $1,669 | $139 | $3,204 | $267 |
| GEICO | $1,411 | $118 | $3,554 | $296 |
| Safety Insurance | $1,427 | $119 | $4,143 | $345 |
| Arbella | $1,555 | $130 | $4,383 | $365 |
| USAA (military families)* | $1,193 | $99 | $2,535 | $211 |
| Norfolk & Dedham* | $1,886 | $157 | $4,146 | $346 |
| Amica* | $1,807 | $151 | $4,332 | $361 |
| Travelers* | $2,462 | $205 | $4,928 | $411 |
| Allstate* | $2,449 | $204 | $5,399 | $450 |
| Brockton average | $1,427 | $119 | $3,548 | $296 |
This table uses Brockton ZIP codes only. See how we calculated these rates.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $85 a year on average in our Brockton data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Plymouth Rock and Progressive charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Brockton ZIP codes, full coverage averaged $3,514 a year in rates as of Nov. 30, 2025, and $3,548 as of Aug. 31, 2026, a 1.0% increase. Plymouth Rock raised its average 2.8% and Safety Insurance 2.5%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 0.8%, led by Plymouth Rock, which raised its liability-only average 6.1%.
Plymouth County averages about $183 a month for full coverage, the fifth-most expensive of the 14 Massachusetts counties we price, and Brockton costs about $113 a month more than that, the most of the 26 Plymouth County places we price. Hull, at $193, and Rockland, at $192, are next.
The towns around Brockton cost much less: West Bridgewater averages $191, Abington $187, Whitman $185 and East Bridgewater $176, and North Easton and South Easton, in Bristol County, $186 each. To the north, in Norfolk County, Randolph averages $255 and Stoughton $216.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
Quincy, about 12 miles north, averages $207 a month, and Boston, about 19 miles north, $252 across its 24 ZIP codes. Fall River, about 27 miles south, averages $226. Stoughton, about five miles northwest, averages $216, and Abington, about four miles east, $187.
Drivers in Brockton follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Brockton averages about $296 a month ($3,548 a year) and liability-only coverage at 20/40/5 limits about $119 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 63% above the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average in our Brockton rate data, at about $205 a month, followed by Progressive at $267 among insurers open to all drivers. USAA*, which sells only to military families, is priced at about $211 a month from published rate studies. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $89 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Every other Plymouth County city and town we price costs less than Brockton, where full coverage averages about $296 a month: West Bridgewater averages about $191, Abington $187, Whitman $185 and East Bridgewater $176. In Norfolk County, Randolph averages $255 and Stoughton $216.
Boston, for our benchmark driver. Brockton full coverage averages about $296 a month and Boston about $252, a difference of about $44 a month for the same driver and car.
In our Brockton data, full coverage (100/300/100 with $500 deductibles) averages about $296 a month and liability-only coverage at 20/40/5 limits about $119, a difference of about $177 a month ($2,121 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Brockton full coverage rose 1.0% between November 2025 and August 2026, from about $3,514 to $3,548 a year. Plymouth Rock raised its average 2.8% and Safety Insurance 2.5%. Liability-only coverage at 20/40/5 limits rose 0.8%.
