Car insurance costs an average of $203 each month in Brockton. Paying too much? Enter your ZIP to compare rates.
The typical Brockton driver pays $2,437 per year for car insurance. That's more expensive than the statewide average in Massachusetts ($1,463) and more expensive than the national average of $1,548. Our guide to car insurance in Brockton — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history and marital status. Read on for more information.
| Brockton Average (annual) | Massachusetts Average | National Average |
| $2,437 | $1,463 | $1,548 |
The difference in auto insurance rates from company to company can be dramatic. For a typical driver, Safety offers Brockton's most affordable premiums. Reference below the top options for affordable insurance in Brockton. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Average Yearly Rate |
| Safety | $1,677 |
| Plymouth Rock | $1,733 |
| Arbella | $2,095 |
| GEICO | $2,119 |
| MetLife | $2,779 |
Consult our expert guide to finding the best cheap car insurance.
The age bracket that pays the least for auto insurance in Brockton consists of drivers in their 60s, who pay an average of $2,069. Those in their 50s don't pay much more ($2,165).
Teenage drivers pay Brockton's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Brockton is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Brockton is $4,225. That's the biggest gap in premiums between any pair of age brackets.
| Age tier | Average Annual Rate |
| Teens | $7,317 |
| 20s | $3,092 |
| 30s | $2,373 |
| 40s | $2,288 |
| 50s | $2,165 |
| 60s | $2,069 |
| 70s | $2,210 |
Dive into the data on car insurance and age.
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Brockton pay $11 less than single drivers for auto insurance.
Gender is another factor that can affect car insurance rates.
| Gender/Marital Status | Average Yearly Rate |
| Female | $2,437 |
| Male | $2,437 |
| Single | $2,437 |
| Married | $2,426 |
| Divorced | $2,426 |
| Widowed | $2,426 |
Learn more about how gender and marital status have on auto insurance rates.
Maintaining a clean driving record is an effective way to keep your car insurance rates down. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Brockton, a reckless driving citation results in an average insurance rate increase of $2,094 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,877 increase, and a speeding ticket leads to a $762 rate hike.
| Violation/Incident | Average Annual Rate |
| DUI/DWI | $4,314 |
| Reckless Driving | $4,531 |
| At-fault Accident (damages less than $1,000) | $2,926 |
| At-fault Accident (damages > $2,000) | $4,127 |
| Speeding Ticket (16-20 mph over speed limit) | $3,199 |
Get more info on how a bad driving history can impact your car insurance costs.
Massachusetts is one of several U.S. states that does not allow car insurance companies to use credit as a rating factor.