Cheapest Auto Insurance in Brockton, MA

• Models like the Nissan Kicks, Subaru Crosstrek, Buick Envision, and Kia Soul have top rankings for the cheapest auto insurance in Brockton.
• A few models with the cheapest auto insurance in Brockton in their respective segments include the Jaguar E-Pace, Audi A5, Nissan Titan, and Subaru Crosstrek.
• Monthly car insurance rates for a few popular vehicles in Brockton include the Ram Truck at $314, GMC Sierra at $300, and Toyota Camry at $291.

Cheapest cars to insure in Brockton, Massachusetts

The models with the most affordable auto insurance prices in Brockton tend to be compact SUVs and crossovers like the Subaru Crosstrek, Kia Soul, and Toyota Corolla Cross.

Average car insurance prices for the models ranking in the top 10 cost $2,664 or less per year for a full-coverage insurance policy.

Additional vehicles that rank in the top 20 in our car insurance cost comparison are the Subaru Outback, Ford Bronco Sport, Buick Encore, and Honda HR-V.

Average auto insurance rates are marginally higher for those models than the crossovers and compact SUVs at the top of the list, but they still have an average insurance cost of $2,832 or less per year.

The next table lists the 50 models with the cheapest car insurance in Brockton, sorted by average cost.

Additional models ranking in the top 50 above include the Hyundai Kona, the Mazda MX-30, the Hyundai Tucson, and the Subaru Forester. Car insurance rates for those vehicles fall between $2,832 and $3,042 per year in Brockton.

In contrast to the cheapest vehicles to insure, some vehicles that cost considerably more to insure include the Jeep Wagoneer which costs $4,048 per year, the Audi A4 which costs $3,746, and the Mercedes-Benz S560 which averages $5,720.

The section below talks about the cost of car insurance based on automotive segment. The average rates shown will provide a better understanding of the vehicle segments that have the best auto insurance rates in Brockton.

Best types of vehicles for the cheapest rates

If you’re looking to buy a different vehicle, it’s useful to know which types of vehicles have better insurance rates. To illustrate this, you may be curious if compact SUVs are more affordable to insure than minivans or if regular SUVs have cheaper auto insurance than luxury SUVs.

The chart below shows average car insurance cost by vehicle segment in Brockton. From an overal segment perspective, small SUVs and midsize pickups tend to have the least expensive average rates, while exotic models have the most expensive rates.

Due to rate variation inherent with each segment, view automotive segment averages more as a generality, as you’ll want to use model-level data to find the best insurance rates in a particular segment.

For example, in the midsize car segment, car insurance rates range from the Kia K5 at $3,136 per year up to the Tesla Model 3 costing $3,822 per year, a difference of $686 within that segment.

Also, in the small SUV segment, average rates can range from the Subaru Crosstrek costing $2,402 per year to the Ford Mustang Mach-E at $3,806 per year, a difference of $1,404 within that segment.

Lastly, in the small car segment, average insurance cost can vary from the Toyota GR Corolla costing $2,826 per year to the Toyota Mirai costing $4,048 per year.

The next list identifies the model with the overall cheapest car insurance rates in Brockton, MA, for each automotive category.

• Cheapest compact car insurance – Toyota GR Corolla at $2,826 per year or $236 per month
• Cheapest compact SUV insurance – Subaru Crosstrek at $2,402 per year or $200 per month
• Cheapest midsize car insurance – Kia K5 at $3,136 per year or $261 per month
• Cheapest midsize SUV insurance – Honda Passport at $2,590 per year or $216 per month
• Cheapest full-size car insurance – Chrysler 300 at $3,098 per year or $258 per month
• Cheapest full-size SUV insurance – Chevrolet Tahoe at $3,054 per year or $255 per month
• Cheapest midsize pickup insurance – Chevrolet Colorado at $2,864 per year or $239 per month
• Cheapest full-size pickup insurance – Nissan Titan at $3,042 per year or $254 per month
• Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $3,308 per year or $276 per month
• Cheapest minivan insurance – Honda Odyssey at $2,974 per year or $248 per month
• Cheapest sports car insurance – Mazda MX-5 Miata at $3,012 per year or $251 per month
• Cheapest compact luxury car insurance – Acura Integra at $2,892 per year or $241 per month
• Cheapest compact luxury SUV insurance – Acura RDX at $2,720 per year or $227 per month
• Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $3,348 per year or $279 per month
• Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $3,042 per year or $254 per month
• Cheapest full-size luxury car insurance – Audi A5 at $3,866 per year or $322 per month
• Cheapest full-size luxury SUV insurance – Infiniti QX80 at $3,648 per year or $304 per month

How much does Brockton car insurance cost?

In Brockton, the average car insurance cost is $3,254 per year, which is 37.7% more than the U.S. overall average rate of $2,221. Per month, Brockton drivers can expect to pay an average of $271 for full coverage.

In the state of Massachusetts, the average car insurance expense is $2,634 per year, so the cost in Brockton averages $620 more per year. When prices are compared to other larger cities in Massachusetts, the average cost to insure a car in Brockton is around $404 per year more than in Springfield, $758 per year more expensive than in Lowell, and $650 per year more expensive than in Boston.

The chart below summarizes average auto insurance cost in Brockton, MA, broken out for a range of driver ages and policy risk profiles. Rates are averaged for all 2024 vehicle models including luxury brands.

Average rates in the chart above range from $2,702 per year for a 40-year-old driver who meets the requirements for many policy discounts to $7,482 per year for a 20-year-old driver who has a few accidents and violations and has to buy a high risk policy. The overall average rate we use to compare the cost between models and locations is the 40-year-old safe driver rate, which is an average cost of $3,254 per year in Brockton.

As a monthly cost, the average cost of car insurance in Brockton ranges from $225 to $624 for the same driver ages shown in the chart.

Brockton car insurance rates are not the same for everyone and can also be significantly different between companies. This variability emphasizes the need to get accurate auto insurance quotes when shopping for more affordable car insurance.

Driver age is the factor that has the most impact on the price of auto insurance, so the list below details how driver age influences cost by breaking out average car insurance rates depending on driver age.

Average car insurance cost for Brockton drivers age 16 to 60

• 16-year-old driver – $11,586 per year or $966 per month
• 17-year-old driver – $11,225 per year or $935 per month
• 18-year-old driver – $10,061 per year or $838 per month
• 19-year-old driver – $9,161 per year or $763 per month
• 20-year-old driver – $6,546 per year or $546 per month
• 30-year-old driver – $3,470 per year or $289 per month
• 40-year-old driver – $3,254 per year or $271 per month
• 50-year-old driver – $2,884 per year or $240 per month
• 60-year-old driver – $2,702 per year or $225 per month

The rates in the list above for average cost of car insurance for teen drivers assumed the driver was male. The next chart breaks out average car insurance rates for teen drivers by gender. Females generally have cheaper auto insurance rates, especially as teenagers.

Car insurance for a 16-year-old female in Brockton costs an average of $762 less per year than the cost for a 16-year-old male driver, while at age 19, the cost difference is much less but is still $1,414 per year cheaper for females.

Insurance cost for popular vehicles

The rates mentioned previously take the cost to insure each 2024 vehicle model and average them, which is handy when making general comparisons like the cost difference between driver ages or locations.

But for a better comparison, we need to look at the specific model of vehicle being insured. Every make and model has slightly different risk exposures for physical damage and liability claims, so by taking this data into consideration, it allows rate comparisons for individual models.

The following chart details average car insurance cost in Brockton for the more popular vehicles.

The models that have high popularity in Brockton tend to be compact and midsize sedans like the Nissan Sentra, Toyota Corolla, and Toyota Camry and compact or midsize SUVs like the Nissan Rogue, Ford Escape, and Toyota Highlander.

Other popular models from other segments include luxury cars like the BMW 530i, Infiniti Q50, and Tesla Model S, luxury SUVs like the Infiniti QX60, Acura MDX, and Cadillac XT5, and pickup trucks like the Ford Ranger, Ford F-150, and Toyota Tacoma.

When this list of popular models is compared to the prior list of the top 50 vehicles with the cheapest average insurance quotes, most would not be considered cheap to insure.

Higher rates could be caused by buying a vehicle with a high MSRP, like a BMW X7 with an average MSRP of $81,900 or a BMW X5 that costs an average of $65,200. Another reason could be a historical likelihood of higher medical or liability claims like a Chevy Camaro or a Mitsubishi Mirage G4.

In order to reinforce the amount the cost of a car insurance policy can deviate for different drivers (and also stress the importance of multiple price quotes), the charts below present comprehensive rates for five popular models in Brockton: the Ram Truck, Honda Civic, Honda Pilot, Toyota Camry, and Toyota GR Supra.

Each illustration uses a variety of different driver profiles to show the difference in rates with only small risk factor changes.

Ram Truck insurance rates

Ram Truck insurance in Brockton costs an average of $3,762 per year, with a range of $3,326 per year for the Ram Truck Tradesman Crew Cab 4WD trim up to $4,118 per year for the Ram Truck TRX Final Edition 4WD trim.

When Brockton car insurance rates for a Ram Truck are compared with the overall national average cost for the same model, rates are anywhere from $930 to $1,152 more expensive per year in Brockton, depending on the exact model being insured.

From a monthly standpoint, auto insurance rates for a Ram Truck can range from $277 to $343 per month, depending on your company and exact Zip Code in Brockton.

The chart below may help illustrate how the cost to insure a Ram Truck can range considerably for a number of different driver ages and policy risk profiles.

The Ram Truck is part of the full-size truck segment, and other models in that segment include the Toyota Tundra, GMC Sierra, Nissan Titan, and Chevrolet Silverado.

Honda Civic insurance rates

The most affordable 2024 Honda Civic trim to insure in Brockton is the LX model, costing an average of $2,576 per year, or around $215 per month. This trim has a sticker price of $23,950.

The most expensive 2022 Honda Civic trim level to insure in Brockton is the Type R, costing an average of $3,414 per year, or about $285 per month. The retail cost for this trim is $43,795, not including destination charges and documentation fees.

When Brockton auto insurance rates on the Honda Civic are compared to the average cost for the entire U.S. for the same model, the cost is anywhere from $722 to $956 more expensive per year in Brockton, depending on the model being insured.

On a monthly basis, auto insurance rates on a 2024 Honda Civic can range from $215 to $285 per month, but your exact cost can vary considerably based on your Zip Code in Brockton.

The next chart might help you understand how the prices of car insurance on a Honda Civic can be quite different based on a variety of driver ages and common policy situations.

In this example, cost varies from $2,398 to $6,538 per year, which is a difference of $4,140.

The Honda Civic is considered a compact car, and other models in the same segment include the Volkswagen Jetta, Kia Forte, Chevrolet Cruze, and Hyundai Elantra.

Honda Pilot insurance rates

With prices ranging from $37,090 to $52,480, average Brockton car insurance quotes for a Honda Pilot range from $2,962 per year on the Honda Pilot LX model up to $3,362 per year on the Honda Pilot Elite AWD model.

When Brockton car insurance quotes on a Honda Pilot are compared with the average cost for the entire U.S. on the same vehicle, the cost is anywhere from $830 to $940 more per year in Brockton, depending on which model is insured.

The rate chart below shows how the cost of insurance on a Honda Pilot can change based on a variety of different driver ages, physical damage coverage deductibles, and driver risk profiles.

The Honda Pilot is part of the midsize SUV segment, and other similar models include the Ford Edge, Kia Telluride, and Ford Explorer.

Toyota Camry insurance rates

The average cost for Toyota Camry insurance in Brockton is $3,492 per year. With sticker prices ranging from $26,420 to $33,120, average insurance rates for a Toyota Camry range from $3,218 per year on the Toyota Camry LE model up to $3,674 per year on the Toyota Camry XSE AWD.

When Brockton auto insurance rates for the Toyota Camry are compared to the national average cost on the same model, rates are anywhere from $902 to $1,028 more expensive per year in Brockton, depending on the specific trim level being insured.

As a cost per month, auto insurance rates on a 2024 Toyota Camry for an average middle-age driver can range from $268 to $306 per month, depending on your car insurance company and your Zip Code in Brockton.

The rate chart below can help visualize how the cost of insurance on a Toyota Camry can vary based on an assortment of driver ages and possible risk profiles.

The Toyota Camry belongs to the midsize car segment, and other similar models that are popular in Brockton include the Kia K5, Nissan Altima, Hyundai Sonata, and Honda Accord.

Toyota GR Supra insurance rates

The average price paid for Toyota GR Supra insurance in Brockton is $3,656 per year. Costing from $45,540 to $64,375, average car insurance rates on a 2024 Toyota GR Supra range from $3,456 per year on the Toyota GR Supra 2.0 Coupe model up to $3,926 per year on the Toyota GR Supra 45th Anniversary Edition trim.

When Brockton car insurance rates on the Toyota GR Supra are compared with the overall national average cost for the same vehicle, the cost is $968 to $1,100 more per year in Brockton, depending on the exact trim being insured.

The bar chart below should aid in understanding how insurance quotes for a Toyota GR Supra can be very different for a variety of different driver ages, policy deductibles, and risk profiles.

The Toyota GR Supra is considered a sports car, and other models in that segment include the Ford Mustang, Nissan 370Z, and Subaru BRZ.

Six tips for cheaper auto insurance

Nobody wants to pay too much for auto insurance, and there are some easy steps to take to ensure you’re getting a great rate. The list below shows six of the best ways to cut your car insurance premiums.

• Choose vehicles that have cheaper car insurance. The make and model of vehicle you drive is a primary factor in the cost of car insurance in Brockton. For example, a Hyundai Venue costs $3,634 less per year to insure in Brockton than a Audi R8. Lower performance vehicles cost less to insure.
• Shop around for better rates. Taking the time to get some free car insurance quotes is a fantastic way to save money. Rates are always changing and switching companies is very easy to do.
• Raising physical damage deductibles lowers cost. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Fewer accidents means cheaper car insurance rates. Having multiple accidents could cost you more, to the tune of $1,570 per year for a 30-year-old driver and even as much as $794 per year for a 60-year-old driver. So be a careful driver and save!
• Fewer violations means cheaper policy cost. In order to have the cheapest car insurance in Brockton, it’s necessary to not be aggressive behind the wheel. In fact, just one or two minor infractions can raise car insurance rates by as much as $864 per year. Major convictions such as reckless driving and leaving the scene of an accident, DUI, or driving on a revoked license could raise rates by an additional $3,022 or more.
• Keep your claim-free discount. Most insurers give a discounted rate if you have not filed any claims. Car insurance is intended to be used to protect you from significant financial loss, not for minor claims.