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

Wondering if Arbella or Norfolk & Dedham is the best auto insurance carrier for you, your vehicle, and your wallet? We've broken down all the rates 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
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Quick Facts

  • Looking at the national averages for car insurance, Arbella offers slightly cheaper prices than Norfolk & Dedham
  • Arbella offers more affordable premiums for drivers with a DUI
  • Norfolk & Dedham tends to be a much less expensive option for policyholders who live in rural neighborhoods

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

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Arbella or Norfolk & Dedham for your next policy, but between the two, which company has more affordable rates for insurance?

Arbella Norfolk & Dedham

Looking at the national average rates for both carriers, Norfolk & Dedham is around $15 more a month than Arbella.

However, that doesn't necessarily mean Arbella will be the cheaper option for every driver. Car insurance companies vary their premiums depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and a ton of other factors, so prices will differ quite a bit from person to person.

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

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

State Arbella Norfolk & Dedham

Both Arbella and Norfolk & Dedham only offer auto insurance in Massachusetts, so you'll see that the average figures here will mirror the ones we mentioned above. Arbella drivers tend to pay about $15 per month less on average compared to drivers who use Norfolk & Dedham for their insurance.

Typically, the state you live in will play a large role in how much you pay for auto insurance, but since both companies only do business in Massachusetts, a lot of other variables will come into play when you compare Arbella and Norfolk & Dedham. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Arbella Norfolk & Dedham
18-year-old drivers$351$347
25-year-old drivers$128$144

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. It's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of 1% less a month by choosing Norfolk & Dedham over Arbella.

That being said, both carriers will reduce prices by the time drivers turn 25. For example, average premiums for Arbella policyholders drop about $200 and Norfolk & Dedham's prices lower over $200 over that time.

Which is the Best Company for Retired Drivers?

Arbella Norfolk & Dedham
65+-year-old drivers$94$134

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

When looking at Arbella and Norfolk & Dedham specifically, which carrier is best for retired drivers? Arbella gets the edge, with rates for drivers 65 and older $40 more affordable than the national average for Norfolk & Dedham.

Which is the Best Company for Married Drivers?

Arbella Norfolk & Dedham

Married drivers tend to get slightly less expensive insurance prices than single policyholders. That's because policies for married policyholders usually cover multiple vehicles, which quite a few companies will give you a discount for.

For those who are single, the difference in average rates between these two carriers is not very significant, with Arbella prices coming in at around 7% less than Norfolk & Dedham's. The advantage for married couples is more obvious, where drivers who use Arbella save about $20 per month.

Arbella or Norfolk & Dedham: Average Rates by Gender

Arbella Norfolk & Dedham

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will typically end up paying a little more.

Women and men get the same monthly premiums with Arbella; everyone gets the same monthly prices regardless of gender with Norfolk & Dedham.

Looking at overall affordability, Arbella comes out on top for both men and women. On average, women save about $15 a month and men save around $15 with Arbella compared to the average Norfolk & Dedham policyholder.

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

Arbella Norfolk & Dedham
State Minimum*$83$98
Full Coverage**$216$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.

It's no secret that insurance can be pretty complicated. There are many different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

But the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries 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, Arbella has the edge, with average monthly premiums coming in at $83. If you want a full coverage policy with the same state minimum limits, Arbella again has the edge, with policies averaging about $216 per month to Norfolk & Dedham's $232.

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

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

Speeding tickets and at-fault accidents will most likely raise your prices, but is Arbella or Norfolk & Dedham more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Arbella Norfolk & Dedham
Clean Record$117$116
1 Speeding Ticket$125$135

Policyholders who use Arbella for their auto insurance can normally expect their monthly bill to go up around 6% after getting a speeding ticket. Norfolk & Dedham policyholders can expect a bit more drastic of an increase of about 14%.

If you have gotten a ticket, Arbella tends to offer the best rates at around 7% cheaper, while Norfolk & Dedham has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Arbella Norfolk & Dedham
Clean Record$117$116
1 At-Fault Accident$151$185

After an accident, drivers who have their car insurance through Arbella can expect to see about an $34 -- or around 23% -- rise in their insurance premiums. Drivers who use Norfolk & Dedham for their auto insurance will see a monthly bill about $69 (or 37%) more expensive after reporting a collision to their car insurance company.

At the end of the day, Arbella offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $151 compared to Norfolk & Dedham's $185.

Which Company is Best for Drivers with a DUI?

Arbella Norfolk & Dedham
Clean Record$117$116
1 DUI$206$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 an accident. On average, Norfolk & Dedham will increase your rates around 48% after a DUI, while Arbella's average premiums rise by nearly 45%.

But if you end up with a DUI charge and are looking for more affordable prices, Arbella tends to be less expensive for the average driver, with monthly premiums coming in at about $206 to Norfolk & Dedham's $224.

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

Did you know many insurance carriers take into account your credit score when determining rates? This isn't true for everyone (for example, are two states that ban the practice entirely), but it does affect lots of drivers out there.

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

So, which carrier offers the most affordable prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Arbella Norfolk & Dedham
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

Arbella Norfolk & Dedham
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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

Arbella Norfolk & Dedham
6,000 Annual Miles$142$151
12,000 Annual Miles$157$179

How much you drive can have a substantial impact on your monthly car insurance payment. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Arbella tends to be the more affordable option. Norfolk & Dedham's average rates for drivers with 6,000 annual miles come in around 6% more expensive than Arbella. Those who drive 12,000 miles each year can expect to pay about 12% more with Norfolk & Dedham over Arbella.

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

Where your home is can have a big impact on your monthly auto insurance cost. Generally, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the road where they live, which reduces the chances of an accident.

Arbella Norfolk & Dedham
Urban Areas$186$217
Suburban Areas$168$191
Rural Areas$96$87

Arbella usually comes out as the less expensive option for drivers in urban and suburban areas, while Norfolk & Dedham wins in rural areas.

For policyholders in urban ZIP codes, Arbella Insurance's average rates are around 14% less than Norfolk & Dedham. People who live in suburban areas pay about 12% less with Arbella compared to Norfolk & Dedham. Those in rural areas can expect to save around 9% with Norfolk & Dedham compared to Arbella.

Arbella vs. Norfolk & Dedham Discounts

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

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Arbella and Norfolk & Dedham so that you can see which carrier can save you the most money each month.

Arbella Norfolk & Dedham
Advance Quote Discount 
Annual Mileage Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Distant Student Discount
Driver Training Discount
Good Driving Discount 
Good Student Discount
Group Discount 
Hybrid Vehicle Discount
Marketing Partner Discount 
Mature Driver Discount
Military Discount 
Multi-Car Discount 
Multi-Policy Discount
Online Quote Discount 
Paid In Full Discount
Paperless Discount 
Passive Restraint Discount 
Renewal Discount

Arbella knocks Norfolk & Dedham out of the park when it comes to the sheer number of discounts available, offering seven more discounts than Norfolk & Dedham.

There are a couple discounts both carriers offer, but Arbella also offers discounts for annual mileage, continuous insurance, good driving, and more.

On the other hand, Norfolk & Dedham has a few proprietary discounts of their own like advance quote discounts and paperless discounts.

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

So, we've broken down the average prices for many of the factors auto insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, is Arbella or Norfolk & Dedham the best one for you and your specific profile and needs?

Arbella might be best for you if....

  • You have a speeding ticket on your driving record.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

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

  • You have a clean record.
  • You live in a rural neighborhood.
  • You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between Arbella and Norfolk & Dedham and that you can now make a more informed decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several carriers, not just Arbella and Norfolk & Dedham. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

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Arbella vs. Norfolk & Dedham FAQs

Is Arbella or Norfolk & Dedham cheaper?

Arbella is the cheaper of the two carriers when looking at national average premiums, with policies averaging $150 a month with Arbella and $165 for Norfolk & Dedham. Even so, that doesn't mean Arbella will be the cheapest carrier for every policyholder, since there are lots of different variables that are considered when it comes to your auto insurance bill.

Who is better, Arbella or Norfolk & Dedham?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for each policyholder -- it all depends on what your unique car insurance profile looks like.

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

Insurance companies use many different factors when calculating the rates they charge. Variables like your driving record, where you call home, gender, age, and sometimes even things like your credit score can all come into play. Both Arbella and Norfolk & Dedham calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Arbella 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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