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

If you're in the market for a new car insurance policy, you might be wondering how Norfolk & Dedham and Grange compare when it comes to the most affordable prices 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

  • Based on national averages for auto insurance, Norfolk & Dedham offers significantly less expensive premiums than Grange
  • Grange may help you save more money -- they offer more discounts than Norfolk & Dedham
  • Norfolk & Dedham offers cheaper average rates for policyholders who drive fewer than 12,000 miles yearly

Grange 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 hefty savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Grange or Norfolk & Dedham as potential options, but which one will offer you more affordable prices?

Grange Norfolk & Dedham

Looking at the national average rates for both carriers, Grange is quite a bit more expensive than Norfolk & Dedham, with premiums averaging $249 a month compared to just $165 with Norfolk & Dedham.

But that doesn't necessarily mean Norfolk & Dedham will be the cheaper option for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so rates will differ quite a bit from person to person.

Wanting to know if Grange 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.

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

State Grange Norfolk & Dedham

Grange 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 $101 per month less on average compared to drivers who use Grange for their auto insurance.

That being said, there are plenty of other factors that go into your car insurance cost than just where you live. 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?

Grange Norfolk & Dedham
18-year-old drivers$551$347
25-year-old drivers$205$144

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Norfolk & Dedham save over 35% a month compared to those who use Grange.

Even so, both carriers will lower rates by the time drivers turn 25. Norfolk & Dedham offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Grange's average prices decrease almost 65% during that same period.

Which is the Best Company for Retired Drivers?

Grange Norfolk & Dedham
65+-year-old drivers$200$134

Once you approach retirement age, you'll normally enjoy the lowest car insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

So, which company offers the best premiums to retired drivers? Norfolk & Dedham gets the edge here, with average rates coming in at around $134 monthly compared to Grange's $200.

Which is the Best Company for Married Drivers?

Grange Norfolk & Dedham

You may not be aware, but car insurance prices tend to be less expensive for married drivers than they are for single policyholders. That's because policies for married policyholders generally cover several vehicles, which many companies will give you a discount for.

For those who are single, the difference in average rates between these two carriers is significant, with Norfolk & Dedham premiums coming in at a third less than Grange's. The advantage for married couples with Norfolk & Dedham is also obvious, where drivers save about $60 per month.

Grange or Norfolk & Dedham: Average Rates by Gender

Grange Norfolk & Dedham

Did you know women tend to pay less for auto insurance than men? That's because women are less likely to get tickets and get into accidents, which lowers the chances of filing a claim with insurance.

Men typically pay around 5% more a month than women with Grange; everyone gets the same monthly rates regardless of gender with Norfolk & Dedham.

Looking at overall affordability, Norfolk & Dedham comes out as the cheapest option for both genders. On average, male drivers save about $90 per month and women save about $78 with Norfolk & Dedham compared to the average Grange policyholder.

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

Grange Norfolk & Dedham
State Minimum*$185$98
Full Coverage**$313$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, car insurance can be pretty complicated. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum limits for liability insurance, Norfolk & Dedham has the significant edge, with average monthly prices 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 a month to Grange's $313.

Is Grange 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.

At-fault collisions and speeding tickets will most likely raise your premiums, but is Grange or Norfolk & Dedham more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Grange Norfolk & Dedham
Clean Record$180$116
1 Speeding Ticket$235$135

Policyholders who use Grange for their insurance can generally expect their monthly bill to go up about 23% after getting a speeding ticket. Norfolk & Dedham policyholders can expect a less drastic increase of around 14%.

But Norfolk & Dedham is typically the less expensive option for both drivers who have clean records and those with a recent ticket. With Norfolk & Dedham, drivers with a clean record can save about $64 per month and drivers with a speeding ticket can save around $100 a month.

Which Company is Best for Drivers After an Accident?

Grange Norfolk & Dedham
Clean Record$180$116
1 At-Fault Accident$266$185

Grange drivers who get in an accident can expect to see their prices climb by over 30%, while those who have insurance through Norfolk & Dedham will see about a 35% increase.

At the end of the day, Norfolk & Dedham offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $185 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

Grange Norfolk & Dedham
Clean Record$180$116
1 DUI$314$224

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Grange drivers usually see a 43% increase in their auto insurance rates after a DUI charge, while Norfolk & Dedham will normally climb prices by around 48%.

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 about $224 to Grange's $314.

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

Did you know many car insurance companies take your credit score into account when determining prices? This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few policyholders.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

Grange Norfolk & Dedham
Excellent Credit Score$193No Data Available
Good Credit Score$223No Data Available

Generally, if you have stellar credit, you can expect to be rewarded. With Grange Insurance, improving your score from "good" to "excellent" will usually save you around 15%. On the other hand, because undefined doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Grange Norfolk & Dedham
Fair Credit Score$252No Data Available
Poor Credit Score$343No Data Available

If you have bad credit, it can cost you with Grange Insurance. As you can see, Grange Insurance customers with poor credit scores pay about 25% per month more than those with fair scores (and even more compared to drivers with good or excellent scores). undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit could find better rates with undefined over Grange Insurance.

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

Grange Norfolk & Dedham
6,000 Annual Miles$248$151
12,000 Annual Miles$250$179

How much you drive can have a big impact on your monthly car insurance bill. That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

Norfolk & Dedham tends to be the cheaper option for both remote workers and those taking short commutes. Norfolk & Dedham's average premiums for drivers with 6,000 annual miles come in nearly 40% more affordable than Grange. Those who drive 12,000 miles annually can expect to pay just under 30% less with Norfolk & Dedham over Grange.

Grange or 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 auto insurance, but the type of area you live in can have a pretty big impact as well. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the road where they live, which reduces the chances of an accident.

Grange Norfolk & Dedham
Urban Areas$292$217
Suburban Areas$235$191
Rural Areas$220$87

Norfolk & Dedham tends to offer the cheapest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 60% with Norfolk & Dedham compared to Grange. People who live in suburban areas pay about 19% less with Norfolk & Dedham compared to Grange. For drivers in urban ZIP codes, Norfolk & Dedham's average rates are around 26% less than Grange Insurance.

Grange 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 car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Grange and Norfolk & Dedham so that you can find the company that has the most discounts and, therefore, the largest savings.

Grange Norfolk & Dedham
ABS Discount 
Advance Quote Discount 
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount
Employee Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Hybrid Vehicle Discount
Legacy Discount 
Life Policy Discount 
Mature Driver Discount

Grange knocks Norfolk & Dedham out of the park when it comes to the sheer number of discounts available, offering 17 more discounts than Norfolk & Dedham.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, hybrid vehicle discounts, and paid in full discounts. Grange also offers discounts for ABS, advanced safety feature, agency transfer, 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 Grange or Norfolk & Dedham Best for You?

So, we've broken down the average premiums for many of the factors insurance companies look at, and we've shown you all the discounts each company offers. But, at the end of the day, which carrier is the best carrier for you and your specific profile and needs?

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

  • You want to save money on your auto insurance after a collision.
  • You want the most robust protection via a "full coverage" policy.
  • You're of retirement age and want to take advantage of lower prices.

Grange might be best for you if...

  • Your credit is below-average.
  • Your credit score is high.
  • You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Grange and Norfolk & Dedham and that you can now make a more informed decision when it comes to your 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 car insurance -- comparing quotes from a handful of carriers, not just Grange and Norfolk & Dedham. Luckily, does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

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Grange vs. Norfolk & Dedham FAQs

Is Grange or Norfolk & Dedham cheaper?

Norfolk & Dedham is the less expensive of the two carriers when looking at national average premiums, with policies averaging $165 a month with Norfolk & Dedham and $249 for Grange. Even so, that doesn't mean Norfolk & Dedham will be the most affordable company for everyone, since there are many different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Grange or Norfolk & Dedham?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, Grange is cheaper for drivers who have less-than-stellar credit scores, while Norfolk & Dedham offers less expensive rates for policyholders with an at-fault accident on their record.

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

Insurance companies use a lot of different factors when calculating the prices they charge. Variables like where your home is, where you park your vehicle, age, gender, and sometimes even things like your credit score can all be used. Both Grange and Norfolk & Dedham use 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 multiple different carriers.

How do I know if Grange 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 multiple companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't Grange 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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