Norfolk & Dedham vs. Plymouth Rock Assurance: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Norfolk & Dedham offers significantly less expensive prices than Plymouth Rock Assurance
• Norfolk & Dedham offers cheaper average premiums for couples purchasing insurance together
• Plymouth Rock Assurance has more affordable prices for drivers who have less-than-stellar credit

Norfolk & Dedham vs. Plymouth Rock Assurance: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Norfolk & Dedham or Plymouth Rock Assurance, but which company has cheaper premiums for auto insurance?

As you can see, Plymouth Rock Assurance has average rates that are about 40% per month more expensive than those from Norfolk & Dedham when looking at the national average rates for car insurance.

However, that doesn't mean Norfolk & Dedham will necessarily be less expensive than Plymouth Rock Assurance for every single driver. Insurance companies use all sorts of complex algorithms to calculate rates, so depending on how old you are or where you live (among a bunch of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Norfolk & Dedham or Plymouth Rock Assurance is really the best for you, keep reading to see average premiums for each carrier broken down by a range of different rate factors.

Norfolk & Dedham or Plymouth Rock Assurance: Average Car Insurance Rates by State

Norfolk & Dedham and Plymouth Rock Assurance only compete against each other in Massachusetts, where Plymouth Rock Assurance offers the cheaper average rates. For Massachusetts residents, Plymouth Rock Assurance offers car insurance for $107 per month on average. Norfolk & Dedham's average prices come out to be over 50% more expensive, at $165 monthly.

There are plenty of other factors that go into your auto 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?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Norfolk & Dedham save nearly $500 a month compared to those who use Plymouth Rock Assurance.

That being said, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Norfolk & Dedham policyholders drop more than $200 and Plymouth Rock Assurance's prices decrease around $500 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable auto insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

So, which company offers the best rates to retired drivers? Norfolk & Dedham gets the edge, with prices for drivers 65 and older almost 20% more affordable than the national average for Plymouth Rock Assurance.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for those who are single than they are for married policyholders. That's because policies for married drivers generally cover several cars, which many companies will offer you a discount for.

When it comes to relationship status, Norfolk & Dedham is the clear winner for single policyholders, with rates about $159 per month cheaper than Plymouth Rock Assurance, on average. The advantage for married couples with Norfolk & Dedham is also obvious, where drivers save over $40 a month.

Norfolk & Dedham vs. Plymouth Rock Assurance: Average Rates by Gender

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

With Norfolk & Dedham, everyone ends up paying the same monthly premiums regardless of gender, and nearly 10% less with Plymouth Rock Assurance when compared to their male counterparts.

Looking at overall affordability, Norfolk & Dedham comes out as the lowest option for both genders, with average prices $122 less for men and $95 cheaper for women.

Norfolk & Dedham or Plymouth Rock Assurance: 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.

Car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (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 -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Norfolk & Dedham generally offers significantly more affordable rates of $98 compared to Plymouth Rock Assurance's $165. When it comes to full coverage policies with similar limits, Norfolk & Dedham again has the edge, with policies around $150 per month less expensive than Plymouth Rock Assurance, on average.

Is Norfolk & Dedham or Plymouth Rock Assurance 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.

It's no secret secret that tickets and accidents lead to higher prices, but which carrier -- Norfolk & Dedham or Plymouth Rock Assurance -- has the cheapest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Norfolk & Dedham policyholders can expect their prices to go up an average of $19 a month if they get a ticket, while Plymouth Rock Assurance normally raises rates about $120 per month, on average.

But Norfolk & Dedham is usually the cheaper option for drivers both with a speeding ticket and with a clean record -- their rates are around 44% less expensive for drivers with clean records and 59% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Norfolk & Dedham can expect to see around an $69 -- or about 37% -- increase in their insurance premiums. Drivers who use Plymouth Rock Assurance for their auto insurance will see a monthly bill around $54 (or 21%) 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 Plymouth Rock Assurance's $262.

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 car insurance bill -- typically a lot more than a collision or ticket. For example, Norfolk & Dedham increases average premiums by over $100 a month -- that's just under a 50% increase.

If you have a DUI on your record and are looking for more affordable rates, Norfolk & Dedham tends to be the much less expensive option with average premiums of $224 a month compared to $296 from Plymouth Rock Assurance.

How does Credit Score Impact Norfolk & Dedham and Plymouth Rock Assurance Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating prices? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few drivers.

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

So, which carrier offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Usually, if you have fantastic credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will normally save Plymouth Rock Assurance customers about $25. Norfolk & Dedham, on the other hand, 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?

If you have bad credit, it can cost you with Plymouth Rock Assurance. If your credit score is in the "poor" range, at Plymouth Rock Assurance, 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). On the other hand, because Norfolk & Dedham doesn't have data available for credit scores, they may have better rates for drivers with bad credit over Plymouth Rock Assurance.

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly auto insurance payment? That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Plymouth Rock Assurance charges. However, there's a significant difference in monthly prices for Norfolk & Dedham, with policyholders who drive the least paying about $28 less each month compared to those who drive 12,000 miles yearly. Still, Norfolk & Dedham is the cheaper option for drivers in both categories.

Norfolk & Dedham vs. Plymouth Rock Assurance: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a considerable impact on your monthly car insurance bill. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Norfolk & Dedham boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest prices from both carriers, but Norfolk & Dedham comes out on top with average premiums around $87 monthly. Norfolk & Dedham also has more affordable average rates for drivers in urban and suburban ZIP codes -- a $138 and $92 a month respective difference when compared to Plymouth Rock Assurance policyholders in similar areas.

Norfolk & Dedham vs. Plymouth Rock Assurance Discounts

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

But with what seems like a million different discounts out there, it can be hard 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.

In the section below, we've compared all of the different discounts offered by Norfolk & Dedham and Plymouth Rock Assurance so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Plymouth Rock Assurance has the advantage when it comes to total number of discounts. Norfolk & Dedham offers a grand total of 11 discounts, while Plymouth Rock Assurance has 16.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, discounts for being a good student, and paid in full discounts. Plymouth Rock Assurance also offers agency transfer discounts, defensive driver discounts, good driving discounts, and more that Norfolk & Dedham does not.

On the flip side, Norfolk & Dedham has a unique discount of its own -- a hybrid vehicle discounts.

Final Thoughts: Is Norfolk & Dedham or Plymouth Rock Assurance Best for You?

So, we've broken down the average prices for many of the variables car insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which insurance carrier is the best one for you, your vehicle, and your wallet?

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

• You're single and purchasing auto insurance by yourself.
• You're looking for more protection with "full coverage" car insurance.
• You drive often but have a short commute.

Plymouth Rock Assurance might be best for you if...

• You have below-average credit.
• You have above-average credit.
• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Norfolk & Dedham and Plymouth Rock Assurance. 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 best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Norfolk & Dedham and Plymouth Rock Assurance. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Norfolk & Dedham vs. Plymouth Rock Assurance FAQs

Is Norfolk & Dedham or Plymouth Rock Assurance cheaper?

Looking just at the national average premiums, Norfolk & Dedham is the less expensive of the two carriers, offering average rates of $165 per month compared to $274 for Plymouth Rock Assurance. That being said, Norfolk & Dedham won't necessarily be the most affordable company for every policyholder, since there are lots of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Norfolk & Dedham or Plymouth Rock Assurance?

Unfortunately, the answer truly is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Norfolk & Dedham offers more affordable rates for drivers with a recent DUI, while Plymouth Rock Assurance is cheaper for drivers with excellent credit.

Why do Norfolk & Dedham and Plymouth Rock Assurance offer me different rates?

Insurance companies take a look at lots of different variables when determining the prices they charge drivers. Factors such as where you call home, where you park your vehicle, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Norfolk & Dedham and Plymouth Rock Assurance calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if Norfolk & Dedham or Plymouth Rock Assurance 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 Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Norfolk & Dedham or Plymouth Rock Assurance 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.