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

Quick Facts

• In general, Norfolk & Dedham offers slightly less expensive premiums than Progressive
• Norfolk & Dedham has cheaper rates for people who are single and purchasing insurance by yourself
• Progressive offers more affordable premiums for residents of suburban areas

Norfolk & Dedham vs. Progressive: 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 big discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Norfolk & Dedham or Progressive as your top options, but between the two, which company will offer you more affordable prices?

Looking at nationwide averages, Norfolk & Dedham is about $15 per month less expensive than Progressive.

That being said, Norfolk & Dedham may not be the most affordable or best option for each driver out there. Car insurance companies vary their rates 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 variety of other factors, so prices could vary drastically from person to person.

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

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

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There's a lot more that goes into your auto insurance bill than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any group out there on the road. That's typically because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Norfolk & Dedham over Progressive.

But with both carriers, you'll see your rates reduce significantly by the time you turn 25. For example, average premiums for Norfolk & Dedham policyholders drop nearly 60% and Progressive's rates decrease almost 70% over that time.

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 premiums you can find.

So, which company offers the best prices to retired drivers? Progressive gets the slight edge here, with average premiums coming in at around $131 per month compared to Norfolk & Dedham's $134. However, the difference is only about 5%, so other variables (such as your driving record is or your credit score) will likely come into play when determining which carrier has the cheapest rates for you.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper car insurance prices than single drivers. This usually boils down to married policyholders having more than one car on their policy -- something lots of insurance companies will reward with discounts.

When it comes to relationship status, Norfolk & Dedham is the clear winner for single policyholders, with premiums around $33 per month more affordable than Progressive, on average. It's not quite so glaring for married drivers, where drivers who use Progressive save nearly $10 a month.

Norfolk & Dedham vs. Progressive: Average Rates by Gender

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

With Norfolk & Dedham, everyone ends up paying the same monthly prices regardless of gender, and about 3% more with Progressive.

Looking at the data for each company specifically, Norfolk & Dedham comes out as the lowest option for both genders, with average rates 10% less for men and 7% cheaper for women.

Norfolk & Dedham or Progressive: 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, insurance isn't the easiest topic to understand. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

But 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 normally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability insurance, Norfolk & Dedham typically offers cheaper premiums of $98 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Norfolk & Dedham again has the edge, with policies around $20 per month more affordable than Progressive, on average.

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

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

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two companies offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Norfolk & Dedham policyholders can expect their rates to go up an average of $19 a month if they get a ticket, while Progressive generally raises prices about $31 per month, on average.

That being said, Norfolk & Dedham tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 22% less expensive for drivers with clean records and 25% 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 auto insurance premiums. Drivers who use Progressive for their insurance will see a monthly bill around $65 (or 30%) more expensive after reporting a collision to their car insurance carrier.

Overall, Norfolk & Dedham offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $185 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your insurance bill. Norfolk & Dedham drivers usually see a 48% increase in their car insurance premiums after a DUI charge, while Progressive will normally climb rates by about 16%.

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

Did you know that many auto insurance carriers take into account your credit score when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

The reasoning insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will usually be forced to pay more.

So, which company offers the best prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Typically, if you have fantastic credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will normally save Progressive customers around $20. On the other hand, because Norfolk & Dedham doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Progressive. For drivers with less-than-stellar credit, at Progressive, you may pay about $65 a 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. On the other hand, Norfolk & Dedham doesn't have data available for credit scores, which means drivers with bad credit could find better rates with Norfolk & Dedham over Progressive.

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

How much you drive can have a considerable impact on your monthly rates. Typically, the more miles you drive, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Progressive charges. However, there's a significant difference in monthly premiums for Norfolk & Dedham, with drivers who put 6,000 miles on their vehicle annually paying around $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. Progressive: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a sizable impact on your monthly auto insurance cost. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, Progressive tends to offer the cheapest option for drivers in urban and suburban areas, while Norfolk & Dedham wins in rural areas.

If you live in a rural area, you can expect to save about $67 with Norfolk & Dedham compared to Progressive. Drivers in suburban ZIP codes pay around $12 less with Progressive compared to Norfolk & Dedham. In urban areas, Progressive's average prices are about $10 less than Norfolk & Dedham.

Norfolk & Dedham vs. Progressive 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 utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the table below, we've taken a look at all of the different discounts Norfolk & Dedham and Progressive offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Progressive blows Norfolk & Dedham away when it comes to the sheer amount of discounts available, offering 23 more discounts than Norfolk & Dedham.

A couple of those are overlapping for things like advance quote discounts, distant student discounts, mature driver discounts, and paperless discounts. Progressive also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Norfolk & Dedham does not.

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

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

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is Norfolk & Dedham or Progressive the best one for you and your specific needs?

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

• You're single and purchasing car insurance by yourself.
• You want basic insurance coverage at the state minimum limits.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Progressive might be best for you if...

• You're worried about the impact your credit score will have on your rates.
• You care about discounts (Progressive offers the most).
• You're married and plan to have both of your names on the vehicle's insurance policy.

We hope this guide has ben a valuable resource as you compare Norfolk & Dedham and Progressive and that it aids in making a more informed decision about your car 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 auto insurance -- comparing quotes from several companies, not just Norfolk & Dedham and Progressive. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Norfolk & Dedham vs. Progressive FAQs

Is Norfolk & Dedham or Progressive cheaper?

Looking just at the national average premiums, Norfolk & Dedham is the less expensive of the two companies, offering average rates of $165 per month compared to $180 for Progressive. However, Norfolk & Dedham won't necessarily be the lowest carrier for every policyholder, since there are several different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Norfolk & Dedham or Progressive?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Norfolk & Dedham offers more affordable prices for policyholders with an at-fault accident on their record, while Progressive is less expensive for drivers who have less-than-stellar credit scores.

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

Car insurance carriers take a look at several different factors when determining the rates they charge drivers. Things such as age, gender, your driving record, where you call home, and sometimes even things like your credit score can all be used. Both Norfolk & Dedham and Progressive calculate premiums differently, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance company 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Norfolk & Dedham or Progressive 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.