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

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

  • Looking at the national averages for car insurance, Norfolk & Dedham offers significantly more affordable prices than Safety
  • Norfolk & Dedham offers more affordable rates for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
  • Safety may help you save more money -- they offer more discounts than Norfolk & Dedham

Norfolk & Dedham or Safety: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You might have narrowed it down to Norfolk & Dedham or Safety as your top options, but between the two, which one has less expensive premiums for auto insurance?

Norfolk & Dedham Safety

Looking at the national average rates for both carriers, Safety has average rates that are around 24% a month more expensive than those from Norfolk & Dedham.

But Norfolk & Dedham may not be the cheapest or best option for each driver out there. Insurance companies use tons of complex algorithms to determine prices, so depending on how old you are or how clean your driving record is (among many other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Norfolk & Dedham and Safety by a range of different rate factors, so read on to find out which carrier is the best for you.

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

State Norfolk & Dedham Safety

Norfolk & Dedham and Safety only compete against each other in Massachusetts, where Norfolk & Dedham offers the cheaper average rates. Norfolk & Dedham drivers tend to pay about $179 per month less on average compared to drivers who use Safety for their car insurance.

But there's more to calculating auto insurance prices than just the state you live in. 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?

Norfolk & Dedham Safety
18-year-old drivers$347$421
25-year-old drivers$144$209

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to get into an accident that results in an 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 almost 20% less a month by choosing Norfolk & Dedham over Safety.

That being said, with both carriers, you'll see your premiums reduce significantly by the time you turn 25. For example, average prices for Norfolk & Dedham policyholders drop nearly 60% and Safety's rates decrease over 50% over that time.

Which is the Best Company for Retired Drivers?

Norfolk & Dedham Safety
65+-year-old drivers$134$164

Drivers around retirement age typically enjoy some of the lowest auto insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can raise prices.

When looking at Norfolk & Dedham and Safety specifically, which company is best for retired drivers? Norfolk & Dedham gets the edge, with rates for drivers 65 and older $30 cheaper than the national average for Safety.

Which is the Best Company for Married Drivers?

Norfolk & Dedham Safety

Did you know that car insurance premiums are normally more affordable for married couples than they are for those who are single? That's usually because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average rates between these two companies is significant, with Norfolk & Dedham prices coming in at a quarter less than Safety's. The advantage is also clear for married drivers - Norfolk & Dedham offers the most affordable average premiums.

Norfolk & Dedham or Safety: Average Rates by Gender

Norfolk & Dedham Safety

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

With Norfolk & Dedham, everyone ends up paying the same monthly rates regardless of gender, and about 5% less with Safety.

Looking at the data for each carrier specifically, Norfolk & Dedham comes out on top for both men and women. On average, women save about $47 per month and men save around $58 with Norfolk & Dedham compared to the average Safety policyholder.

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

Norfolk & Dedham Safety
State Minimum*$98$122
Full Coverage**$232$313

*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 terms and coverages that it can be hard to find the right policy for you.

However, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, Norfolk & Dedham has the 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 about $232 a month to Safety's $313.

Is Norfolk & Dedham or Safety 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.

It's no secret secret that speeding tickets and at-fault collisions lead to higher prices, but which company -- Norfolk & Dedham or Safety -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Norfolk & Dedham Safety
Clean Record$116$129
1 Speeding Ticket$135$190

Policyholders who use Norfolk & Dedham for their insurance can generally expect their monthly bill to go up around 14% after getting a speeding ticket. Safety policyholders can expect a bit more drastic of an increase of about 32%.

But Norfolk & Dedham tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With Norfolk & Dedham, drivers with a clean record can save around $13 per month and drivers with a speeding ticket can save about $55 a month.

Which Company is Best for Drivers After an Accident?

Norfolk & Dedham Safety
Clean Record$116$129
1 At-Fault Accident$185$226

After an accident, drivers who have their car insurance through Norfolk & Dedham can expect to see around an $69 -- or about 37% -- rise in their auto insurance prices. Drivers who use Safety for their insurance will see a monthly bill around $97 (or 43%) more expensive after reporting an accident to their auto insurance carrier.

At the end of the day, drivers who use Norfolk & Dedham end up with the cheaper prices after an accident, with average rates coming in at $185 compared to Safety Insurance's $226.

Which Company is Best for Drivers with a DUI?

Norfolk & Dedham Safety
Clean Record$116$129
1 DUI$224$324

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. For example, Safety increases average premiums by nearly $200 per month -- that's more than a 60% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Norfolk & Dedham tends to be less expensive for the average driver, with monthly premiums coming in at about $224 to Safety's $324.

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

Did you know many auto insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, California and Massachusetts are two states that ban the practice entirely), but it does affect a lot of drivers out there.

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, policyholders with bad credit will often be forced to pay more.

So, which company offers the cheapest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Norfolk & Dedham Safety
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

You'll often be rewarded if you have fantastic credit. With Safety Insurance, improving your score from "good" to "excellent" will typically save you around $10. On the other hand, because undefined 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?

Norfolk & Dedham Safety
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

Having bad credit usually means you'll also see higher prices with Safety Insurance. For drivers with less-than-stellar credit, at Safety Insurance, you may pay about $75 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, because undefined doesn't have data available for credit scores, they might have better rates for drivers with bad credit over Safety Insurance.

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

Norfolk & Dedham Safety
6,000 Annual Miles$151$216
12,000 Annual Miles$179$219

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Norfolk & Dedham tends to be the cheaper option. Norfolk & Dedham's average premiums for drivers with 6,000 annual miles come in over 30% more affordable than Safety. Those who drive 12,000 miles every year can expect to pay nearly 20% less with Norfolk & Dedham over Safety.

Norfolk & Dedham or Safety: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a large role in how much you pay for auto insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Norfolk & Dedham Safety
Urban Areas$217$282
Suburban Areas$191$221
Rural Areas$87$148

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

Those in rural areas can expect to save around $61 with Norfolk & Dedham compared to Safety. People who live in suburban areas pay about $30 less with Norfolk & Dedham compared to Safety. For policyholders in urban ZIP codes, Norfolk & Dedham's average rates are around $65 less than Safety Insurance.

Norfolk & Dedham vs. Safety Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Norfolk & Dedham and Safety so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Norfolk & Dedham Safety
Advance Quote Discount
Annual Mileage Discount 
Anti-Theft Discount
Book Transfer Policy Discount 
Distant Student Discount
Driver Training Discount
E-Signature Discount 
Employee Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Mature Driver Discount
Multi-Car Discount 
Multi-Policy Discount
Paid In Full Discount 
Paperless Discount
Passive Restraint Discount 
Renewal Discount
Telematics Discount 

Safety 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 advance quote discounts, distant student discounts, discounts for being a good student, and paperless discounts. Safety also offers discounts for annual mileage, book transfer policy, e-signature, and more.

On the other hand, Norfolk & Dedham has a few proprietary discounts of their own like hybrid vehicle discounts and paid in full discounts.

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

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which insurance company is the right carrier for you, your vehicle, and your wallet?

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

  • You have an at-fault accident on your record.
  • You live in a rural neighborhood.
  • You don't spend much time in your car.

Safety might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Norfolk & Dedham and Safety. 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 sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Norfolk & Dedham and Safety. Luckily, sites like 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 insurance companies in your area, all in just a few minutes.

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Norfolk & Dedham vs. Safety FAQs

Is Norfolk & Dedham or Safety cheaper?

Norfolk & Dedham is the cheaper of the two carriers when looking at national average premiums, with policies averaging $165 per month with Norfolk & Dedham and $217 for Safety. Even so, that doesn't mean Norfolk & Dedham will be the cheapest carrier for each driver, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Norfolk & Dedham or Safety?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Safety is less expensive for drivers with excellent credit, while Norfolk & Dedham offers more affordable prices for drivers with a recent DUI.

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

Auto insurance companies use quite a few different factors when calculating the rates they charge. Variables such as your driving record, gender, where you park your vehicle, age, and sometimes even things like your credit score can all be used. Both Norfolk & Dedham and Safety calculate premiums using different factors, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Norfolk & Dedham or Safety 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 companies and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Norfolk & Dedham or Safety 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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