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

Quick Facts

• Based on national averages for auto insurance, Norfolk & Dedham offers significantly less expensive prices than Metlife
• Metlife tends to be a much more affordable option for drivers who have less-than-stellar credit
• Norfolk & Dedham offers cheaper average rates for people who are single and purchasing car insurance by yourself

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Metlife or Norfolk & Dedham for your next policy, but between the two, which company will save you the most?

As you can see, Norfolk & Dedham has average rates that are about 50% per month less expensive than those from Metlife when looking at the national average rates for auto insurance.

However, that doesn't necessarily mean Norfolk & Dedham will be the more affordable option for every single driver. Insurance companies vary their prices depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and tons of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Metlife or Norfolk & Dedham is really the best for you, keep reading to see average rates for each company broken down by many different rate factors.

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

Metlife and Norfolk & Dedham only compete against each other in Massachusetts, where Norfolk & Dedham offers the cheaper average prices. For Massachusetts residents, Norfolk & Dedham offers auto insurance for $165 per month on average. Metlife's average premiums come out to be more expensive, at $180 monthly.

There are plenty of other factors that go into your insurance cost than just where you call home. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Norfolk & Dedham save more than $500 a month compared to those who use Metlife. It's worth noting that Metlife offers insurance in 44 different states compared to Norfolk & Dedham's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower rates once 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. Metlife's average prices drop over 70% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever see.

So, which carrier offers the best premiums to retired drivers? Norfolk & Dedham gets the edge, with rates for drivers 65 and older nearly 35% cheaper than the national average for Metlife.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for single policyholders than they are for married couples. This usually boils down to married policyholders having several cars on their policy -- something a lot of insurance companies will reward with discounts.

When it comes to relationship status, Norfolk & Dedham is the clear winner for those who are single, with prices around $246 per month less expensive than Metlife, on average. The advantage for married drivers with Norfolk & Dedham is also obvious, where drivers save almost 40% a month.

Metlife vs. Norfolk & Dedham: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll generally end up paying more for auto insurance than women.

On average, men see rates nearly $30 per month higher with Metlife; women and men get the same monthly prices with Norfolk & Dedham.

When it comes to the most affordable premiums for each gender, Norfolk & Dedham comes out on top for both men and women, with average rates $189 less for men and $161 cheaper for women.

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

*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. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum liability limits, Norfolk & Dedham typically offers significantly more affordable prices of $98 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Norfolk & Dedham again has the edge, with policies about $250 a month cheaper than Metlife, on average.

Is Metlife 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 insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and collisions on your record, but which of these two carriers offers the cheapest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Metlife policyholders can expect their rates to go up an average of $59 per month if they get a ticket, while Norfolk & Dedham normally raises prices around $19 a month, on average.

But Norfolk & Dedham is usually the less expensive option for drivers both with clean records and with a speeding ticket, offering premiums that are 47% and 52% cheaper, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Metlife drivers who get in a collision can expect to see their rates climb by just under $150, while those who have insurance through Norfolk & Dedham will see about a $70 increase.

Overall, Norfolk & Dedham offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $185 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than an accident or ticket. On average, Metlife will increase your rates around 55% after a DUI, while Norfolk & Dedham's average prices increase by just under 50%.

Norfolk & Dedham has the overall lowest premiums for drivers with a DUI on their records at $224 a month, but it's worth noting that Metlife's average rates come from 44 states compared to just one for Norfolk & Dedham, so the data may be skewed slightly.

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

Did you know that many car insurance companies take your credit score into account when calculating rates? This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it might 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 company offers the cheapest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, MetLife will usually reward you. With MetLife, improving your score from "good" to "excellent" will normally save you about 20%. 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 prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with MetLife. For drivers with less-than-stellar credit, at MetLife, you may pay around 35% per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Because Norfolk & Dedham doesn't have data available for credit scores, they may have better premiums for drivers with bad credit over MetLife.

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

How much you drive can have a large impact on your monthly car insurance payment. Generally, the more miles you put on your vehicle, the more you can expect to pay for auto insurance.

Norfolk & Dedham tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Metlife average prices for drivers with 6,000 annual miles come in about $188 more expensive than Norfolk & Dedham. Those who drive 12,000 miles each year can expect to pay around $163 more with Metlife over Norfolk & Dedham.

Metlife 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 sizable impact as well. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads in those areas.

Norfolk & Dedham tends to offer the most affordable rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both companies, but Norfolk & Dedham comes out on top with average premiums about $87 per month. Norfolk & Dedham also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a $172 and $142 a month respective difference when compared to Metlife drivers in similar areas.

Metlife vs. Norfolk & Dedham Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you can take advantage of.

In the table below, we've taken a look at all of the different discounts Metlife and Norfolk & Dedham offer their customers so that you can find the one that has the most discounts and, therefore, the biggest savings.

Metlife knocks Norfolk & Dedham out of the park when it comes to the sheer number of discounts available, offering 36 different discounts to Norfolk & Dedham's 11.

There are a couple discounts both carriers offer, but Metlife also offers AAA discounts, ABS discounts, academic discounts, and more that Norfolk & Dedham does not.

On the flip side, Norfolk & Dedham has a couple unique discounts of its own -- advance quote discounts, discounts for getting driver training, hybrid vehicle discounts, and more.

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

So, you've seen how different variables can affect your insurance prices. We've broken down the different discounts each carrier offers, too. But, at the end of the day, is Metlife or Norfolk & Dedham the right carrier for you, your vehicle, and your wallet?

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

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" car insurance.
• You've started working from home and don't have much of a commute.

Metlife might be best for you if...

• You have less-than-stellar credit.
• You have above-average credit.
• You're looking for discounts -- Metlife has the most.

We hope this guide has ben a valuable resource as you compare Metlife and Norfolk & Dedham. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

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

Metlife vs. Norfolk & Dedham FAQs

Is Metlife or Norfolk & Dedham cheaper?

Looking just at the national average premiums, Norfolk & Dedham is the more affordable of the two companies, offering average rates of $165 per month compared to $340 for Metlife. However, Norfolk & Dedham won't necessarily be the cheapest company for everyone, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Metlife or Norfolk & Dedham?

Unfortunately, the real answer is "it depends.". No single carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Norfolk & Dedham offers less expensive rates for drivers with a recent DUI, while Metlife is cheaper for drivers with excellent credit.

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

Auto insurance carriers take a look at lots of different variables when determining the prices they charge policyholders. Things like gender, where you call home, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Metlife and Norfolk & Dedham use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car 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, Compare.com makes it easy for you to do just that. Just enter your information once 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 lowest rate. And who knows, the best company for you might not be Metlife or Norfolk & Dedham at all!

Methodology

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.