Norfolk & Dedham vs. Quincy Mutual Group: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Norfolk & Dedham offers significantly more affordable premiums than Quincy Mutual Group
• Norfolk & Dedham offers more affordable prices for residents of suburban areas
• Quincy Mutual Group offers cheaper average premiums for drivers who have less-than-stellar credit

Norfolk & Dedham vs. Quincy Mutual Group: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Norfolk & Dedham or Quincy Mutual Group for your next policy, but which one will save you the most?

Looking at nationwide averages, Norfolk & Dedham has average rates that are about 30% per month less expensive than those from Quincy Mutual Group.

Even so, that doesn't mean Norfolk & Dedham will necessarily be more affordable than Quincy Mutual Group for every single driver. Car insurance companies use all sorts of complex algorithms to calculate rates, so depending on how good your credit score is or how old you are (among several other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Norfolk & Dedham or Quincy Mutual Group is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

Norfolk & Dedham or Quincy Mutual Group: Average Car Insurance Rates by State

Norfolk & Dedham and Quincy Mutual Group only compete against each other in Massachusetts, where Norfolk & Dedham offers the cheaper average prices. For Massachusetts residents, Norfolk & Dedham offers insurance for $165 a month on average. Quincy Mutual Group's average rates come out to be more expensive, at $179 per month.

But there's more to calculating auto insurance premiums 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 generally pay a lot more for insurance than any other group of drivers out there on the road. The reason is that 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.

However, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $150 less a month by choosing Norfolk & Dedham over Quincy Mutual Group.

But with both carriers, you'll see your rates drop significantly by the time you turn 25. Quincy Mutual Group offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Norfolk & Dedham still has the lowest prices at $144 monthly.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Norfolk & Dedham gets the edge, with prices for drivers 65 and older $34 less expensive than the national average for Quincy Mutual Group.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are typically cheaper for married couples than they are for those who are single? That's normally because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Norfolk & Dedham is the clear winner for single policyholders, with rates around $85 per month less expensive than Quincy Mutual Group, on average. The advantage for married policyholders with Norfolk & Dedham is also obvious, where drivers save about $55 a month.

Norfolk & Dedham vs. Quincy Mutual Group: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to insurance men will typically end up paying a little more.

Men and women end up paying the same monthly premiums with Norfolk & Dedham, and around 5% more with Quincy Mutual Group.

Looking at overall affordability, Norfolk & Dedham comes out on top for both men and women. On average, male drivers save about $78 per month and women save about $67 with Norfolk & Dedham compared to the average Quincy Mutual Group policyholder.

Norfolk & Dedham or Quincy Mutual Group: 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. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability insurance, Norfolk & Dedham generally offers significantly more affordable prices of $98 compared to Quincy Mutual Group's $145. When it comes to full coverage policies with similar limits, Norfolk & Dedham again has the edge, with policies around $100 a month cheaper than Quincy Mutual Group, on average.

Is Norfolk & Dedham or Quincy Mutual Group Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto 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 accidents and tickets lead to higher rates, but which carrier -- Norfolk & Dedham or Quincy Mutual Group -- has the most affordable premiums for 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 per month if they get a ticket, while Quincy Mutual Group normally raises prices about $45 a 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. Drivers with a clean record can save around $58 per month and drivers with a ticket can save about $84 a month with Norfolk & Dedham.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault accident with Norfolk & Dedham raising by just under $70. Quincy Mutual Group has a less extreme raise, but you can still expect to pay over $10 more than you were prior to your first collision.

Overall, drivers who use Norfolk & Dedham end up with the cheaper prices after an accident, with monthly prices averaging $185 compared to Quincy Mutual Group's $186.

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 -- usually a lot more than a collision or speeding ticket. For example, Quincy Mutual Group increases average premiums by nearly $200 per month -- that's just under a 55% increase.

If you have a DUI on your record and are looking for more affordable prices, Norfolk & Dedham tends to be the much more affordable option with average premiums of $224 per month compared to $370 from Quincy Mutual Group.

How does Credit Score Impact Norfolk & Dedham and Quincy Mutual Group Rates?

Did you know that many insurance carriers take your credit score into account when calculating rates? This isn't always the case (for example, California and Michigan are two states that ban the practice entirely), but it does affect a lot of drivers out there.

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 less expensive premiums.

Looking specifically at Norfolk & Dedham and Quincy Mutual Group, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have excellent credit. Improving your "good" credit score to an "excellent" one will generally save Quincy Mutual Group customers around $65. 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 rates.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Quincy Mutual Group. As you can see, Quincy Mutual Group customers with poor credit scores pay about $150 a month more than those with fair scores (and even more compared to drivers with good or excellent scores). Norfolk & Dedham, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit could find better rates with Norfolk & Dedham over Quincy Mutual Group.

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

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. Typically, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

Norfolk & Dedham tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure. Norfolk & Dedham's average rates for drivers with 6,000 annual miles come in over 30% cheaper than Quincy Mutual Group. Those who drive 12,000 miles annually can expect to pay nearly 30% less with Norfolk & Dedham over Quincy Mutual Group.

Norfolk & Dedham vs. Quincy Mutual Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a sizable role in how much you pay for insurance. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer vehicles on the road in those areas, which reduces the chances of an accident.

Norfolk & Dedham boasts the most affordable average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest prices from both companies, but Norfolk & Dedham comes out on top with average premiums around $87 a month. Norfolk & Dedham also has less expensive average rates for drivers in urban and suburban ZIP codes -- a 30% and 15% per month respective difference when compared to Quincy Mutual Group policyholders in similar areas.

Norfolk & Dedham vs. Quincy Mutual Group 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. That's where car insurance discounts comes into play.

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

In the table below, we've taken a look at all of the different discounts Norfolk & Dedham and Quincy Mutual Group offer their customers so that you can see which company can save you the most money each month.

Quincy Mutual Group blows Norfolk & Dedham away when it comes to the sheer amount of discounts available, offering 18 different discounts to Norfolk & Dedham's 11.

A couple of those are overlapping for things like distant student discounts, discounts for being a good student, and paid in full discounts. Quincy Mutual Group also offers ABS discounts, annual mileage discounts, continuous insurance 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, hybrid vehicle discounts, and paperless discounts.

Final Thoughts: Is Norfolk & Dedham or Quincy Mutual Group Best for You?

So, we've broken down the average prices for many of the variables insurance carriers look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is Norfolk & Dedham or Quincy Mutual Group the best carrier for you and your specific driver profile?

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

• You have a DUI charge on your record.
• Your neighborhood is in the suburbs.
• You don't spend much time in your car.

Quincy Mutual Group might be best for you if...

• Your credit is less-than-stellar.
• You have above-average credit.
• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Norfolk & Dedham and Quincy Mutual Group and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Norfolk & Dedham and Quincy Mutual Group. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Norfolk & Dedham vs. Quincy Mutual Group FAQs

Is Norfolk & Dedham or Quincy Mutual Group cheaper?

Looking just at the national average premiums, Norfolk & Dedham is the cheaper of the two companies, offering average rates of $165 a month compared to $237 for Quincy Mutual Group. However, Norfolk & Dedham won't necessarily be the lowest company for everyone, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Norfolk & Dedham or Quincy Mutual Group?

Unfortunately, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Norfolk & Dedham offers less expensive prices for drivers with a recent DUI, while Quincy Mutual Group is more affordable for drivers with excellent credit.

Why do Norfolk & Dedham and Quincy Mutual Group offer me different rates?

Car insurance carriers take a look at many different variables when determining the rates they charge drivers. Things such as gender, where you park your car, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Norfolk & Dedham and Quincy Mutual Group use different formulas, 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 a bunch of different companies.

How do I know if Norfolk & Dedham or Quincy Mutual Group is right for me?

The only way to find the 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, 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 most affordable premium. And who knows, the best company for you might not be Norfolk & Dedham or Quincy Mutual Group 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.