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

So, you're in the market for a new auto insurance policy. You may have even narrowed down your search to Amica Mutual and Norfolk & Dedham. But which of these two companies is the best one for you? Read on to find which carrier has the best premiums and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Norfolk & Dedham offers significantly more affordable rates than Amica Mutual
  • Amica Mutual has cheaper prices for drivers who have below-average credit
  • Norfolk & Dedham offers less expensive average premiums for drivers with a DUI

Amica Mutual or Norfolk & Dedham: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Amica Mutual or Norfolk & Dedham for your next policy, but between the two, which one has more affordable rates for car insurance?

Amica Mutual Norfolk & Dedham

Looking at nationwide averages, Norfolk & Dedham is quite a bit cheaper than Amica Mutual, with prices averaging $165 a month compared to $359 with Amica Mutual.

That being said, that doesn't mean Norfolk & Dedham will necessarily be cheaper than Amica Mutual for each driver. Auto insurance carriers use a ton of complex algorithms to determine premiums, so depending on how old you are or how good your credit score is (among many other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Amica Mutual and Norfolk & Dedham by many different rate factors, so read on to find out which company is the best for you.

Amica Mutual vs. Norfolk & Dedham: Average Car Insurance Rates by State

State Amica Mutual Norfolk & Dedham

Amica Mutual and Norfolk & Dedham only compete against each other in Massachusetts, where Norfolk & Dedham offers the cheaper average rates. Norfolk & Dedham drivers tend to pay about $38 per month less on average compared to drivers who use Amica Mutual for their insurance.

But there's more to car insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance companies calculate your prices. Continue reading to learn more about how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

Amica Mutual Norfolk & Dedham
18-year-old drivers$700$347
25-year-old drivers$288$144

You might already know that teen drivers usually pay a lot more for auto insurance than any group out there on the road. That's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. For example, 18-year-old drivers pay an average of over 50% less a month by choosing Norfolk & Dedham over Amica Mutual.

However, with both carriers, you'll see your prices reduce significantly by the time drivers turn 25. For example, average premiums for Amica Mutual policyholders drop around $400 and Norfolk & Dedham's rates lower more than $200 over that time.

Which is the Best Company for Retired Drivers?

Amica Mutual Norfolk & Dedham
65+-year-old drivers$345$134

Drivers around retirement age generally enjoy some of the cheapest auto insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise prices.

But who has the best rates for retired drivers between Amica Mutual and Norfolk & Dedham? Norfolk & Dedham gets the edge, with premiums for drivers 65 and older over 60% less expensive than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Amica Mutual Norfolk & Dedham

You may not be aware, but insurance prices tend to be more expensive for those who are single than they are for married couples. That's because policies for married drivers usually cover several vehicles, which a lot of companies will give you a discount for.

For single drivers, the difference in average rates between these two carriers is significant, with Norfolk & Dedham prices coming in at about half of Amica Mutual's. For married policyholders, the advantage is clear again - Norfolk & Dedham has the edge when it comes to average premiums.

Amica Mutual or Norfolk & Dedham: Average Rates by Gender

Amica Mutual Norfolk & Dedham

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll normally end up paying more for car insurance than women.

Typically, women see rates around 2% per month less with Amica Mutual; men and women get the same monthly premiums with Norfolk & Dedham.

Looking at the data for each carrier specifically, Norfolk & Dedham offers the most affordable average prices for both men and women. On average, male drivers save about $197 a month and women save about $191 with Norfolk & Dedham compared to the average Amica Mutual policyholder.

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Amica Mutual vs. Norfolk & Dedham: Compare State Minimum vs. Full Coverage Rates

Amica Mutual Norfolk & Dedham
State Minimum*$210$98
Full Coverage**$508$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.

For most people, insurance isn't the easiest topic to understand. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum limits for liability insurance, Norfolk & Dedham has the significant edge, with average monthly rates coming in at $98. If you want a full coverage policy with the same state minimum limits, Norfolk & Dedham again has the edge, with policies averaging around $232 per month to Amica Mutual's $508.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and at-fault accidents lead to higher prices, but which company -- Amica Mutual or Norfolk & Dedham -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual Norfolk & Dedham
Clean Record$215$116
1 Speeding Ticket$268$135

Policyholders who use Amica Mutual for their car insurance can generally expect their monthly bill to go up about 20% after getting a speeding ticket. Norfolk & Dedham policyholders can expect a less drastic increase of around 14%.

Even so, Norfolk & Dedham has more affordable rates for drivers in both categories -- their rates are around 46% cheaper for drivers with clean records and 50% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Amica Mutual Norfolk & Dedham
Clean Record$215$116
1 At-Fault Accident$254$185

After an accident, drivers who have their auto insurance through Amica Mutual can expect to see about an $39 -- or around 15% -- rise in their car insurance premiums. Drivers who use Norfolk & Dedham for their insurance will see a monthly bill about $69 (or 37%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, drivers who use Norfolk & Dedham end up with the cheaper prices after an accident, with average rates coming in at $185 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

Amica Mutual Norfolk & Dedham
Clean Record$215$116
1 DUI$699$224

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. For example, Amica Mutual increases average prices by nearly $500 a month -- that's nearly a 70% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Norfolk & Dedham tends to be more affordable for the average driver, with monthly premiums coming in at around $224 to Amica Mutual's $699.

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How does Credit Score Impact Amica Mutual and Norfolk & Dedham Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect several drivers out there.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Norfolk & Dedham and Amica Mutual, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Amica Mutual Norfolk & Dedham
Excellent Credit Score$249No Data Available
Good Credit Score$299No Data Available

You'll often be rewarded if you have fantastic credit. Improving your "good" credit score to an "excellent" one will typically save Amica Mutual Insurance customers about 15%. undefined, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Amica Mutual Norfolk & Dedham
Fair Credit Score$400No Data Available
Poor Credit Score$540No Data Available

Having bad credit usually means you'll also see higher premiums with Amica Mutual Insurance. If your credit score is in the "poor" range, at Amica Mutual Insurance, you may pay around $150 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because undefined doesn't have data available for credit scores, they might have better rates for drivers with bad credit over Amica Mutual Insurance.

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

Amica Mutual Norfolk & Dedham
6,000 Annual Miles$359$151
12,000 Annual Miles$359$179

Did you know that the amount of time you spend in your car have a big impact on how much auto insurance companies will charge for coverage? Typically, those who drive fewer miles will end up with cheaper prices since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Amica Mutual charges. However, there's a significant difference in monthly premiums for Norfolk & Dedham, with policyholders who drive 6,000 miles each year paying about $28 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Norfolk & Dedham is the less expensive company.

Amica Mutual or Norfolk & Dedham: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a sizable role in how much you pay for car insurance. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads where they live.

Amica Mutual Norfolk & Dedham
Urban Areas$408$217
Suburban Areas$348$191
Rural Areas$321$87

When comparing these two carriers side-by-side, Norfolk & Dedham normally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $87 a month with Norfolk & Dedham and $321 with Amica Mutual. Drivers in suburban ZIP codes pay a monthly price of about $191 with Norfolk & Dedham compared to $348 with Amica Mutual. For drivers in urban ZIP codes, Norfolk & Dedham's average rates are around $217 while Amica Mutual offers prices about $408.

Amica Mutual vs. Norfolk & Dedham Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Amica Mutual and Norfolk & Dedham offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Amica Mutual Norfolk & Dedham
Advance Quote Discount 
Anti-Theft Discount 
Distant Student Discount 
Driver Training Discount 
Good Student Discount 
Hybrid Vehicle Discount 
Mature Driver Discount 
Multi-Policy Discount 
Paid In Full Discount 
Paperless Discount 
Renewal Discount 

Norfolk & Dedham blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 11 more discounts than Amica Mutual.

A couple of those are overlapping for things like. Norfolk & Dedham also offers discounts for advance quote, anti-theft, distant student, and more.

Amica Mutual's discounts come through just.

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

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, is Amica Mutual or Norfolk & Dedham the best company for you, your vehicle, and your wallet?

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

  • You will be the only person on the car insurance policy.
  • Your home is in a busy urban area.
  • You're of retirement age and want to take advantage of lower prices.

Amica Mutual might be best for you if...

  • Your credit is below-average.
  • Your credit score is high.

Hopefully, this guide has ben a valuable resource as you compare Amica Mutual and Norfolk & Dedham. We also hope we've given you the information you need to make the best decision about 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 Amica Mutual and Norfolk & Dedham. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

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Amica Mutual vs. Norfolk & Dedham FAQs

Is Amica Mutual or Norfolk & Dedham cheaper?

Norfolk & Dedham is the cheaper of the two companies when looking at national average premiums, with policies averaging $165 a month with Norfolk & Dedham and $359 for Amica Mutual. That being said, that doesn't mean Norfolk & Dedham will be the lowest company for everyone, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Amica Mutual or Norfolk & Dedham?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Amica Mutual is less expensive for drivers with excellent credit, while Norfolk & Dedham offers more affordable prices for drivers with a recent DUI.

Why do Amica Mutual and Norfolk & Dedham offer me different rates?

Insurance carriers use lots of different factors when determining the premiums they charge. Variables such as your driving record, gender, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Amica Mutual and Norfolk & Dedham calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several 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 quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Amica Mutual or Norfolk & Dedham at all, but another you hadn't even thought of!


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.

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