Braintree drivers pay about $109 a month for car insurance. That's almost exactly the Massachusetts minimum-coverage average of $111. No premium, no discount — just a town that tracks the statewide number almost to the dollar.

What makes that notable is what sits inside Braintree's town lines. The Braintree Split — where I-93, US 1, and Route 3 all converge — runs right through it. So does South Shore Plaza, one of the biggest shopping centers in New England. Either one could easily push a town's average premium higher. In Braintree, neither has.

Braintree Auto Insurance at a Glance

  • Minimum liability required: 25/50/30 (statewide floor, same everywhere in Massachusetts)
  • Average premium: ~$109/mo (~$1,314/yr), in line with the state's ~$111/mo minimum-coverage average
  • Cheapest carrier on average: GEICO, around $75/mo for liability
  • Population: roughly 39,100
  • Notable rate factor: the Braintree Split (I-93/US 1/Route 3) and South Shore Plaza traffic
  • Fault system: No-fault, with mandatory $8,000 PIP

What Every Braintree Policy Still Has to Carry

The legal floor in Braintree is the same as anywhere else in Massachusetts: 25/50/30 liability — $25,000 bodily injury per person, $50,000 per accident, $30,000 property damage — plus mandatory $8,000 Personal Injury Protection and 25/50 uninsured/underinsured motorist coverage, none of which can be waived off a policy.

Because Massachusetts runs no-fault, that PIP pays a driver's own medical bills and lost wages first after a crash, regardless of who caused it. Our Massachusetts car insurance guide covers how the rest of the no-fault system works statewide.

The Braintree Split: A Lot of Merging, Not Much Rate Impact

The Braintree Split is the interchange where I-93, US 1, and Route 3 all come together near the Quincy line, one of the highest-volume merge points in eastern Massachusetts. Thousands of vehicles a day funnel through it, switching lanes and highways at the same spot.

It's the kind of geography that sounds like it should show up on a rate sheet somewhere. In practice, insurers price a much broader mix of factors — driving history, vehicle, ZIP-level claims data — and none of it has pushed Braintree's average above the state benchmark yet.

South Shore Plaza Adds Traffic, Not a Premium Spike

South Shore Plaza sits right off Exit 6, where I-93, Route 3, and Route 128 converge, and it's one of the largest shopping centers in New England. On a busy weekend, its parking lots and access roads carry far more traffic than a town of roughly 39,100 residents would generate on its own.

That kind of stop-and-go retail traffic tends to produce low-speed fender-benders — common, usually minor, rarely the kind of claim that reshapes a town's average premium on its own.

A Crime Rate That Still Runs Favorable

Braintree's overall crime rate sits about 43% below the national average, with a B+ safety grade. It isn't the safest town on the South Shore — its crime rate ranks higher than roughly 83% of Massachusetts cities and towns — but a wide margin below the national average still counts for something when insurers weigh a town's overall risk.

That favorable baseline is likely part of why the Split and the mall traffic haven't dragged Braintree's premiums above the statewide line.

Where Braintree Quotes Actually Land

GEICO has quoted liability coverage in Braintree at around $75 a month, with Progressive offering full coverage near $85 and State Farm closer to $95. Confirm a policy carries at least 25/50/30 liability and the mandatory $8,000 PIP, then compare a few of those numbers directly rather than settling for the first quote. Our minimum vs. full coverage guide breaks down how to weigh the difference.