Allstate vs. Norfolk & Dedham: Which Company is the Best Fit for You?

Wondering if Allstate or Norfolk & Dedham is the best insurance company for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Based on national averages for car insurance, Norfolk & Dedham offers more affordable prices than Allstate
  • Allstate tends to be a much cheaper option for drivers who have less-than-stellar credit
  • Norfolk & Dedham offers more affordable rates for drivers who have received a ticket within the last few years

Allstate vs. Norfolk & Dedham: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering substantial discounts. But exactly how much can you save by switching?

You might have narrowed it down to Allstate or Norfolk & Dedham for your next policy, but between the two, which carrier will offer you less expensive prices?

Allstate Norfolk & Dedham

Looking at the national average rates for both companies, Norfolk & Dedham is about $34 per month more affordable than Allstate.

However, that doesn't necessarily mean Norfolk & Dedham will be the less expensive option for each driver. Auto insurance carriers use a ton of complex algorithms to calculate premiums, so depending on where you live or how old you are (among lots of other factors), you could see wildly different rates from the ones above.

Wanting to know if Allstate or Norfolk & Dedham is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Allstate or Norfolk & Dedham: Average Car Insurance Rates by State

State Allstate Norfolk & Dedham

Allstate and Norfolk & Dedham only compete against each other in Massachusetts, where Norfolk & Dedham offers the cheaper average rates. For Massachusetts residents, Norfolk & Dedham offers car insurance for $165 monthly on average. Allstate's average premiums come out to be over 20% more expensive, at $213 a month.

That being said, there are plenty of other factors that go into your insurance payment than just the state you live in. Read on to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Allstate Norfolk & Dedham
18-year-old drivers$448$347
25-year-old drivers$167$144

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers out there on the road. It's usually because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Norfolk & Dedham save more than $100 a month compared to those who use Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Norfolk & Dedham's one, which can skew the average prices a bit, but the difference here is still considerable.

Even so, with both companies, you'll see your rates lower significantly by the time you turn 25. Norfolk & Dedham offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Allstate's average premiums reduce nearly 65% during that same period.

Which is the Best Company for Retired Drivers?

Allstate Norfolk & Dedham
65+-year-old drivers$152$134

Drivers around retirement age typically enjoy some of the most affordable insurance prices you'll ever see. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase premiums.

But who has the best rates for retired drivers between Allstate and Norfolk & Dedham? Norfolk & Dedham gets the edge, with premiums for drivers 65 and older over 10% cheaper than the national average for Allstate.

Which is the Best Company for Married Drivers?

Allstate Norfolk & Dedham

You may not be aware, but auto insurance prices tend to be more expensive for those who are single than they are for married couples. That's generally because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Norfolk & Dedham is the clear winner for single policyholders, with rates around $43 per month less expensive than Allstate, on average. The advantage for married drivers with Norfolk & Dedham is also obvious, where drivers save about $20 a month.

Allstate vs. Norfolk & Dedham: Average Rates by Gender

Allstate Norfolk & Dedham

Women normally to pay less for car insurance than men. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher prices.

Men usually pay almost $10 per month more than women with Allstate; men and women get the same monthly premiums with Norfolk & Dedham.

Looking at the data for each company specifically, Norfolk & Dedham offers the lowest average rates for both men and women. On average, male drivers save about $38 a month and women save around $29 with Norfolk & Dedham compared to the average Allstate policyholder.

Find your best rate in just a few minutes

Allstate or Norfolk & Dedham: Compare State Minimum vs. Full Coverage Rates

Allstate Norfolk & Dedham
State Minimum*$108$98
Full Coverage**$289$232

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability insurance, Norfolk & Dedham typically offers slightly more affordable premiums of $98 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Norfolk & Dedham again has the edge, with policies about $55 per month cheaper than Allstate, on average.

Is Allstate or Norfolk & Dedham Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

At-fault collisions and tickets will most likely raise your rates, but is Allstate or Norfolk & Dedham less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate Norfolk & Dedham
Clean Record$156$116
1 Speeding Ticket$183$135

Allstate policyholders can expect their premiums to go up an average of $27 a month if they get a ticket, while Norfolk & Dedham normally raises prices around $19 per month, on average.

That being said, Norfolk & Dedham has cheaper rates for drivers in both categories, offering premiums that are 26% and 26% more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate Norfolk & Dedham
Clean Record$156$116
1 At-Fault Accident$229$185

Allstate drivers who get in an accident can expect to see their rates rise by just under $75, while those who have insurance through Norfolk & Dedham will see about a $70 increase.

Overall, drivers who use Norfolk & Dedham end up with the cheaper prices after an accident, with monthly prices averaging $185 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

Allstate Norfolk & Dedham
Clean Record$156$116
1 DUI$227$224

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Norfolk & Dedham will climb your premiums around 48% after a DUI, while Allstate's average prices climb by over 30%.

Norfolk & Dedham has the overall cheapest rates for drivers with a DUI on their records at $224 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Norfolk & Dedham, so the data may be skewed slightly.

Find your best rate in just a few minutes

How does Credit Score Impact Allstate and Norfolk & Dedham Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect lots of policyholders out there.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive prices.

So, which carrier offers the best premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Allstate Norfolk & Dedham
Excellent Credit Score$145No Data Available
Good Credit Score$172No Data Available

You'll often be rewarded if you have stellar credit. Improving your "good" credit score to an "excellent" one will generally save Allstate customers about 15%. On the other hand, Norfolk & Dedham doesn't have data available for credit scores, which means they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Allstate Norfolk & Dedham
Fair Credit Score$203No Data Available
Poor Credit Score$275No Data Available

If you have bad credit, it can cost you with Allstate. If your credit score is in the "poor" range, at Allstate, you may pay around 25% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because Norfolk & Dedham doesn't have data available for credit scores, they might have better prices for drivers with bad credit over Allstate.

Find your best rate in just a few minutes

Is Allstate or Norfolk & Dedham Better for Drivers who Work from Home or Have Short Commutes?

Allstate Norfolk & Dedham
6,000 Annual Miles$197$151
12,000 Annual Miles$200$179

Did you know that the amount of time you spend in your car have a large impact on how much insurance companies will charge for coverage? That's because the fewer miles you put on your vehicle, the less likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Norfolk & Dedham tends to be the cheaper option. Allstate average rates for drivers with 6,000 annual miles come in about $46 more expensive than Norfolk & Dedham. Those who drive 12,000 miles annually can expect to pay around $21 more with Allstate over Norfolk & Dedham.

Allstate vs. Norfolk & Dedham: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a pretty big impact as well. Usually, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the roads in those areas.

Allstate Norfolk & Dedham
Urban Areas$222$217
Suburban Areas$199$191
Rural Areas$174$87

Norfolk & Dedham boasts the cheapest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both carriers, but Norfolk & Dedham comes out on top with average premiums about $87 monthly. Norfolk & Dedham also has more affordable average prices for drivers in urban and suburban ZIP codes -- a 2% and 4% per month respective difference when compared to Allstate policyholders in similar areas.

Allstate vs. Norfolk & Dedham Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

In the section below, we've compared all of the different discounts offered by Allstate and Norfolk & Dedham so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Allstate Norfolk & Dedham
ABS Discount 
Advance Quote Discount
Agency Transfer Discount 
Alert Driving Discount 
Annual Mileage Discount 
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
Drive Wise Discount 
Driver Training Discount
DRL Discount 
Economy Car Discount 
EFT Discount 
ESC Discount 
Farm Discount 
Good Driving Discount 
Good Hands Discount 
Good Payer Discount 
Good Student Discount

Allstate blows Norfolk & Dedham away when it comes to the sheer amount of discounts available, offering 29 more discounts than Norfolk & Dedham.

Both companies offer quite a few of the same discounts -- like anti-theft discounts, discounts for getting driver training, discounts for being a good student, and paid in full discounts -- but Allstate also offers ABS discounts, agency transfer discounts, alert driving discounts, and more that Norfolk & Dedham does not.

On the flip side, Norfolk & Dedham has a unique discount of its own -- a hybrid vehicle discounts.

Find your best rate in just a few minutes

Final Thoughts: Is Allstate or Norfolk & Dedham Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, which insurance carrier is the right fit for you?

Norfolk & Dedham might be best for you if....

  • You haven't received any speeding tickets or been in a collision in the last few years.
  • You're looking for more protection with "full coverage" car insurance.
  • You're buying auto insurance for a teen and looking for a wallet-friendly option.

Allstate might be best for you if...

  • You're worried about the impact your credit score will have on your premiums.
  • Your credit score is high.
  • You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between Allstate and Norfolk & Dedham and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Allstate and Norfolk & Dedham. Luckily, does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Find your best rate in just a few minutes

Allstate vs. Norfolk & Dedham FAQs

Is Allstate or Norfolk & Dedham cheaper?

Looking just at the national average rates, Norfolk & Dedham is the less expensive of the two companies, offering average rates of $165 a month compared to $199 for Allstate. Even so, Norfolk & Dedham won't necessarily be the most affordable carrier for every driver, since there are many different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Norfolk & Dedham?

Sadly, the real answer is "it depends.". No single company is "better" for each driver -- it all boils down to your unique auto insurance profile. For example, Norfolk & Dedham offers more affordable premiums for drivers with a recent DUI, while Allstate is cheaper for drivers with excellent credit.

Why do Allstate and Norfolk & Dedham offer me different rates?

Car insurance carriers take a look at a lot of different factors when calculating the prices they charge drivers. Things like your driving record, where you park your vehicle, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Norfolk & Dedham use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Allstate or Norfolk & Dedham is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Allstate or Norfolk & Dedham at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes