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

If you're in the market for a new insurance policy, you might be wondering how Norfolk & Dedham and GEICO compare when it comes to the lowest premiums and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Norfolk & Dedham offers more affordable rates than GEICO
  • GEICO has cheaper prices for residents of urban areas
  • Norfolk & Dedham tends to be a much less expensive option for policyholders who may not have much of a commute

GEICO 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 large discounts. But exactly how much can you save by switching?

You might have narrowed your search down to GEICO or Norfolk & Dedham as potential options, but between the two, which carrier has more affordable premiums for auto insurance?

GEICO Norfolk & Dedham

Looking at nationwide averages, Norfolk & Dedham is about $20 per month less expensive than GEICO.

That being said, that doesn't mean Norfolk & Dedham will necessarily be cheaper than GEICO for each driver. Car insurance companies use tons of complex algorithms to calculate prices, so depending on where you live or how clean your driving record is (among a whole bunch of other factors), you could see wildly different rates from the ones above.

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

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

State GEICO Norfolk & Dedham

GEICO and Norfolk & Dedham only compete against each other in Massachusetts, where GEICO offers the cheaper average rates. For Massachusetts residents, GEICO offers insurance for $114 a month on average. Norfolk & Dedham's average prices come out to be over 40% more expensive, at $165 per month.

That being said, there's a lot more that goes into your auto insurance bill than just where you call home. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

GEICO Norfolk & Dedham
18-year-old drivers$369$347
25-year-old drivers$163$144

Teen drivers will almost always have the most expensive insurance premiums of any group on the road. It's normally 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 car insurance. For example, 18-year-old drivers pay an average of more than $20 less a month by choosing Norfolk & Dedham over GEICO. It's worth noting that GEICO offers auto insurance in 50 different states compared to Norfolk & Dedham's one, which can skew the average rates a bit, but the difference here is still considerable.

However, with both carriers, you'll see your prices decrease significantly once you turn 25. For example, average rates for GEICO policyholders lower over 55% and Norfolk & Dedham's prices drop nearly 60% over that time.

Which is the Best Company for Retired Drivers?

GEICO Norfolk & Dedham
65+-year-old drivers$148$134

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

So, which carrier offers the best prices to retired drivers? Norfolk & Dedham gets the slight edge here, with average premiums coming in at around $134 monthly compared to GEICO's $148.

Which is the Best Company for Married Drivers?

GEICO Norfolk & Dedham

Those who are single tend to get offered slightly more expensive insurance rates than married couples. This usually boils down to married drivers having multiple cars on their policy -- something lots of auto insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for single policyholders, with premiums only differing about $20 per month, on average. But for married policyholders, the advantage is clear - Norfolk & Dedham offers the cheapest average prices.

GEICO vs. Norfolk & Dedham: Average Rates by Gender

GEICO Norfolk & Dedham

Men typically pay more for car insurance than women. This is because women are less likely to get tickets and get into collisions, which lowers the chances of an insurance claim.

Typically, men see premiums around 4% a month higher with GEICO; men and women end up paying the same monthly prices 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 $24 per month and women save about $16 with Norfolk & Dedham compared to the average GEICO policyholder.

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

GEICO Norfolk & Dedham
State Minimum*$101$98
Full Coverage**$269$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 a variety of different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Norfolk & Dedham normally offers slightly more affordable premiums of $98 compared to GEICO's $101. When it comes to full coverage policies with similar limits, Norfolk & Dedham again has the edge, with policies around $35 a month cheaper than GEICO, on average.

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

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that at-fault collisions and tickets lead to higher prices, but which carrier -- GEICO or Norfolk & Dedham -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO Norfolk & Dedham
Clean Record$115$116
1 Speeding Ticket$150$135

GEICO policyholders can expect their premiums to go up an average of $35 per month if they get a ticket, while Norfolk & Dedham generally raises prices about $19 a month, on average.

If you have a clean record, GEICO tends to offer the best rates at around 1% less expensive, while Norfolk & Dedham has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

GEICO Norfolk & Dedham
Clean Record$115$116
1 At-Fault Accident$200$185

After an accident, drivers who have their insurance through GEICO can expect to see about an $85 -- or around 43% -- increase in their auto insurance premiums. Drivers who use Norfolk & Dedham for their car insurance will see a monthly bill about $69 (or 37%) more expensive after reporting an accident to their insurance company.

Overall, drivers who use Norfolk & Dedham end up with the cheaper prices after an accident, with monthly prices averaging $185 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

GEICO Norfolk & Dedham
Clean Record$115$116
1 DUI$275$224

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. For example, GEICO increases average rates by over $150 per month -- that's just under a 60% increase.

Norfolk & Dedham has the overall cheapest premiums for drivers with a DUI on their records at $224 a month, but it's worth noting that GEICO's average rates come from 50 states compared to just one for Norfolk & Dedham, so the data may be skewed slightly.

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

You may not realized it, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

Car insurance companies 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, policyholders with good credit will often be rewarded with more affordable rates.

So, which carrier offers the lowest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

GEICO Norfolk & Dedham
Excellent Credit Score$131No Data Available
Good Credit Score$164No Data Available

If you have stellar credit, GEICO will typically reward you. Improving your "good" credit score to an "excellent" one will usually save GEICO customers around $35. 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 premiums.

Which Company is Best for Drivers with Bad Credit?

GEICO Norfolk & Dedham
Fair Credit Score$197No Data Available
Poor Credit Score$253No Data Available

Having bad credit typically means you'll also see higher prices with GEICO. If your credit score is in the "poor" range, at GEICO, you may pay about 20% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, because Norfolk & Dedham doesn't have data available for credit scores, they might have better rates for drivers with bad credit over GEICO.

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

GEICO Norfolk & Dedham
6,000 Annual Miles$181$151
12,000 Annual Miles$189$179

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. Normally, the more miles you put on your car each year, the more you can expect to pay for coverage.

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. Norfolk & Dedham average premiums for drivers with 6,000 annual miles come in $30 less expensive than GEICO. Those who drive 12,000 miles annually can expect to pay $10 less with Norfolk & Dedham over GEICO.

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

Where you live can play a pretty big role in how much you pay for insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

GEICO Norfolk & Dedham
Urban Areas$211$217
Suburban Areas$185$191
Rural Areas$159$87

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

Those in rural areas can expect to pay around $87 monthly with Norfolk & Dedham compared to GEICO's $159. Drivers in suburban ZIP codes pay a monthly premium of about $185 with GEICO compared to $191 with Norfolk & Dedham. For drivers in urban ZIP codes, GEICO's average rates are around $211 per month compared to Norfolk & Dedham's $217.

GEICO vs. Norfolk & Dedham Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

In the table below, we've broken down all of the different discounts offered by both GEICO and Norfolk & Dedham so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

GEICO Norfolk & Dedham
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount
Commercial Drivers License Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Deployed Driver Discount 
Distant Student Discount
Driver Training Discount
DRL Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Mature Driver Discount
Military Discount 
Multi-Car Discount 

GEICO blows Norfolk & Dedham away when it comes to the sheer amount of discounts available, offering 28 different discounts to Norfolk & Dedham's 11.

Both companies offer lots of the same discounts -- like discounts for getting driver training, discounts for being a good student, and paid in full discounts -- but GEICO also offers ABS discounts, commercial drivers license discounts, COVID-19 relief discount, and more that Norfolk & Dedham does not.

On the flip side, Norfolk & Dedham has a couple unique discounts of its own -- advance quote discounts, hybrid vehicle discounts, and renewal discounts.

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

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is GEICO or Norfolk & Dedham the best company for you and your specific profile and needs?

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

  • You're single and purchasing insurance by yourself.
  • You live in a rural neighborhood.
  • You and your spouse are buying car insurance together.

GEICO might be best for you if...

  • You have a clean driving record, free of accidents, tickets, or DUIs.
  • Your credit is less-than-stellar.
  • Your neighborhood is in a city.

We hope this guide helps you get a better idea of the difference between GEICO and Norfolk & Dedham. We also hope we've given you the information you need to make the best decision about your auto insurance.

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

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GEICO vs. Norfolk & Dedham FAQs

Is GEICO or Norfolk & Dedham cheaper?

Looking just at the national average prices, Norfolk & Dedham is the less expensive of the two companies, offering average rates of $165 a month compared to $185 for GEICO. Even so, Norfolk & Dedham won't necessarily be the cheapest company for every driver, since there are several different variables that are considered when it comes to your auto insurance payment.

Who is better, GEICO or Norfolk & Dedham?

Unfortunately, the answer truly is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Norfolk & Dedham offers more affordable premiums for policyholders with an at-fault collision on their record, while GEICO is cheaper for drivers who have less-than-stellar credit scores.

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

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

How do I know if GEICO 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 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 car insurance companies in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be GEICO 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.

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