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

You've probably seen ads offering big savings on insurance, but are Norfolk & Dedham or State Farm right for you? Which carrier offers the cheapest rates, or the most discounts? Read on to see how Norfolk & Dedham and State Farm compare, and to find out which company is the best one for you, your vehicle, and your budget.
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Quick Facts

  • In general, State Farm offers slightly more affordable prices than Norfolk & Dedham
  • Norfolk & Dedham has cheaper premiums for drivers who have a speeding ticket on their driving record
  • State Farm offers less expensive average prices for drivers with a DUI

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might be considering Norfolk & Dedham or State Farm for your next policy, but which company will save you the most?

Norfolk & Dedham State Farm

Looking at nationwide averages, Norfolk & Dedham is around $7 more a month than State Farm.

But that doesn't mean State Farm will necessarily be cheaper than Norfolk & Dedham for each driver. Auto insurance carriers use all sorts of complex algorithms to determine rates, so depending on where you live or how old you are (among a wide array of other factors), you could see wildly different premiums from the ones above.

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

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

State Norfolk & Dedham State Farm

Norfolk & Dedham and State Farm only compete against each other in Massachusetts, where State Farm offers the cheaper average premiums. State Farm drivers tend to pay about $99 per month less on average compared to drivers who use Norfolk & Dedham for their car insurance.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your prices. Read on to find out more.

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Which is the Best Company For Young Drivers?

Norfolk & Dedham State Farm
18-year-old drivers$347$353
25-year-old drivers$144$142

You might already know that teen drivers typically pay a lot more for insurance than any group on the road. The reason is that teen 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 that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Norfolk & Dedham for their car insurance pay 2% less than those who use State Farm.

Even so, both carriers will offer you dramatically lower rates by the time you turn 25. For example, average prices for Norfolk & Dedham policyholders decrease about $200 and State Farm's rates drop over $200 over that time.

Which is the Best Company for Retired Drivers?

Norfolk & Dedham State Farm
65+-year-old drivers$134$111

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you'll ever find.

So, which company offers the best prices to retired drivers? State Farm gets the edge, with rates for drivers 65 and older more than 15% more affordable than the national average for Norfolk & Dedham.

Which is the Best Company for Married Drivers?

Norfolk & Dedham State Farm

You may not be aware, but insurance prices tend to be less expensive for married drivers than they are for those who are single. That's because policies for married policyholders usually cover several vehicles, which several companies will give you a discount for.

If you're in the market for car insurance, State Farm tends to have the lowest average premiums regardless of if you're married or single, with prices almost 10% cheaper for married couples and around 3% less expensive for single policyholders.

Norfolk & Dedham or State Farm: Average Rates by Gender

Norfolk & Dedham State Farm

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

Everyone gets the same monthly rates regardless of gender with Norfolk & Dedham, but with State Farm, the difference is closer to 7% a month.

When it comes to the most affordable prices for each gender, State Farm offers the lowest average premiums for both men and women. On average, women save about $13 per month and men save about $1 with State Farm compared to the average Norfolk & Dedham policyholder.

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

Norfolk & Dedham State Farm
State Minimum*$98$99
Full Coverage**$232$216

*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.

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 for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

When it comes to state minimum liability insurance, Norfolk & Dedham has the edge, while State Farm offers the cheapest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $1 with Norfolk & Dedham, while full coverage comes out to be around $15 more affordable with State Farm.

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

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

Collisions and speeding tickets will most likely raise your rates, but is Norfolk & Dedham or State Farm cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Norfolk & Dedham State Farm
Clean Record$116$134
1 Speeding Ticket$135$155

Drivers who use Norfolk & Dedham for their auto insurance can generally expect their monthly bill to go up about 14% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of around 14%.

That being said, Norfolk & Dedham has less expensive premiums for drivers in both categories, offering prices that are $18 and $20 more affordable, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

Norfolk & Dedham State Farm
Clean Record$116$134
1 At-Fault Accident$185$163

Both companies will raise rates pretty significantly if you get into an at-fault collision with Norfolk & Dedham raising by about 37%. State Farm has a less extreme climb, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, State Farm offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $163 compared to Norfolk & Dedham's $185.

Which Company is Best for Drivers with a DUI?

Norfolk & Dedham State Farm
Clean Record$116$134
1 DUI$224$179

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. On average, Norfolk & Dedham will raise your rates around 48% after a DUI, while State Farm's average premiums rise by more than 25%.

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How does Credit Score Impact Norfolk & Dedham and State Farm Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for quite a few policyholders.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

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

Which Company is Best for Drivers with Good Credit?

Norfolk & Dedham State Farm
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Typically, if you have great credit, you can expect to be rewarded. With State Farm, improving your score from "good" to "excellent" will usually save you about $25. 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?

Norfolk & Dedham State Farm
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

Having bad credit generally means you'll also see higher rates with State Farm. As you can see, State Farm customers with poor credit scores pay around 50% 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 might find better rates with Norfolk & Dedham over State Farm.

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

Norfolk & Dedham State Farm
6,000 Annual Miles$151$151
12,000 Annual Miles$179$164

How much you drive can have a pretty big impact on your monthly car insurance payment. Typically, those who drive less will end up with less expensive prices since there's less of a chance of causing a collision and filing an insurance claim.

Looking specifically at State Farm and Norfolk & Dedham, State Farm is the more affordable option for people with short commutes, while State Farm has better premiums for those who work from home. Norfolk & Dedham's average prices for drivers with 6,000 annual miles come in about 0% cheaper than State Farm. Those who drive 12,000 miles yearly can expect to pay around 8% less with State Farm over Norfolk & Dedham.

Norfolk & Dedham or State Farm: 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 insurance, but the type of area you live in can have a big impact as well. Normally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more cars on the roads where they live.

Norfolk & Dedham State Farm
Urban Areas$217$185
Suburban Areas$191$161
Rural Areas$87$127

When comparing these two carriers side-by-side, State Farm generally comes out as the more affordable option for drivers in urban and suburban areas, while Norfolk & Dedham wins in rural areas.

Those in rural areas can expect to save about 31% with Norfolk & Dedham compared to State Farm. People who live in suburban areas pay around 16% less with State Farm compared to Norfolk & Dedham. For drivers in urban ZIP codes, State Farm's average premiums are about 15% less than Norfolk & Dedham.

Norfolk & Dedham vs. State Farm Discounts

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

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

Luckily, we did the hard work for you and looked at all of the different discounts Norfolk & Dedham and State Farm offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Norfolk & Dedham State Farm
ABS Discount 
Advance Quote Discount 
Annual Mileage Discount 
Anti-Theft Discount
Defensive Driver Discount 
Distant Student Discount
Drive Safe & Save Discount 
Driver Training Discount
DRL Discount 
Farm Discount 
Good Driving Discount 
Good Student Discount
Goverment Employee Discount 
Homeowner Discount 
Hybrid Vehicle Discount 
Low Income Discount 
Mature Driver Discount
Military Discount 
Multi-Car Discount 
Multi-Policy Discount

State Farm blows Norfolk & Dedham away when it comes to the sheer amount of discounts available, offering 12 more discounts than Norfolk & Dedham.

There are a couple discounts both companies offer, but State Farm also offers discounts for ABS, annual mileage, defensive driver, and more.

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

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

So, you've seen how different variables can affect your insurance rates. We've shown you all the discounts each company offers, too. But, when it comes down to it, which insurance carrier is the best one for you and your specific profile and needs?

State Farm might be best for you if....

  • You will be the only person on the car insurance policy.
  • You want the most robust protection via a "full coverage" policy.
  • You have a short drive to work everyday.

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

  • You've received a ticket for speeding recently and don't want to see your premiums climb.
  • You live in a rural area.
  • You don't spend much time in your car.

Hopefully, this guide helps you get a better idea of the difference between Norfolk & Dedham and State Farm and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire 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 State Farm. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

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Norfolk & Dedham vs. State Farm FAQs

Is Norfolk & Dedham or State Farm cheaper?

State Farm is the less expensive of the two carriers when looking at national average prices, with policies averaging $158 per month with State Farm and $165 for Norfolk & Dedham. Even so, that doesn't mean State Farm will be the cheapest company for everyone, since there are a bunch of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Norfolk & Dedham or State Farm?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do Norfolk & Dedham and State Farm offer me different rates?

Auto insurance companies use a lot of different variables when determining the premiums they charge. Things like age, where you call home, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Norfolk & Dedham and State Farm use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car 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, does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Norfolk & Dedham or State Farm 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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