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

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

  • Based on national averages for insurance, Norfolk & Dedham offers slightly more affordable prices than Travelers
  • Norfolk & Dedham has less expensive rates for policyholders who may not have much of a commute
  • Travelers offers more discounts than Norfolk & Dedham

Norfolk & Dedham vs. Travelers: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Norfolk & Dedham or Travelers, but which carrier will offer you cheaper prices?

Norfolk & Dedham Travelers

Looking at nationwide averages, Norfolk & Dedham is about $2 per month less expensive than Travelers.

That being said, Norfolk & Dedham may not be the most affordable or best option for every single driver out there. Auto insurance companies use all sorts of complex algorithms to calculate rates, so depending on how old you are or how clean your driving record is (among a variety of other factors), you could see wildly different premiums from the ones above.

Wanting to know if Norfolk & Dedham or Travelers is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

State Norfolk & Dedham Travelers

Norfolk & Dedham and Travelers only compete against each other in Massachusetts, where Norfolk & Dedham offers the cheaper average premiums. For Massachusetts residents, undefined offers car insurance for undefined monthly on average. undefined's average rates come out to be more expensive, at undefined per month.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your premiums. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Norfolk & Dedham Travelers
18-year-old drivers$347$353
25-year-old drivers$144$141

You might already know that teen drivers normally pay a lot more for insurance than any group out there on the road. It's because 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 car insurance. For example, 18-year-old drivers pay an average of $6 less a month by choosing Norfolk & Dedham over Travelers.

But both companies will lower rates by the time drivers turn 25. For example, average prices for Norfolk & Dedham policyholders decrease nearly 60% and Travelers's premiums reduce more than 60% over that time.

Which is the Best Company for Retired Drivers?

Norfolk & Dedham Travelers
65+-year-old drivers$134$132

Once you approach retirement age, you'll generally enjoy the cheapest insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

When looking at Norfolk & Dedham and Travelers specifically, which carrier is best for retired drivers? Travelers gets the slight edge here, with average prices coming in at around $132 a month compared to Norfolk & Dedham's $134. Even so, the difference is only about 5%, so other factors (such as your driving record is or your credit score) will likely come into play when determining which company has the lowest premiums for you.

Which is the Best Company for Married Drivers?

Norfolk & Dedham Travelers

Those who are single tend to get offered slightly more expensive auto insurance rates than married couples. That's usually because married drivers tend to own and insure more than one car, which can often earn you a discount.

If you're in the market for insurance, Norfolk & Dedham tends to have the cheapest average premiums regardless of marital status, with prices around $2 more affordable for single policyholders and about $1 cheaper for married policyholders.

Norfolk & Dedham vs. Travelers: Average Rates by Gender

Norfolk & Dedham Travelers

Men are statistically more likely than women to get into an accident or get pulled over for speeding. That means when it comes to auto insurance men will typically end up paying a little more.

Everyone gets the same monthly prices regardless of gender with Norfolk & Dedham, and over $10 with Travelers.

Looking at the data for each carrier specifically, Norfolk & Dedham is the most affordable company for men. Rates with Norfolk & Dedham are $7 less for men, while women can save around $4 with Travelers.

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

Norfolk & Dedham Travelers
State Minimum*$98$108
Full Coverage**$232$225

*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.

It's no secret that car insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages alongside liability coverage).

In this case, Norfolk & Dedham offers the lowest average rates for state minimum liability insurance, while Travelers has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with Norfolk & Dedham, while full coverage comes out to be about $7 more affordable with Travelers.

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

You've probably seen plenty of commercials from auto 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.

It's no secret secret that at-fault accidents and tickets lead to higher rates, but which carrier -- Norfolk & Dedham or Travelers -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Norfolk & Dedham Travelers
Clean Record$116$128
1 Speeding Ticket$135$160

Norfolk & Dedham policyholders can expect their premiums to go up an average of $19 per month if they get a ticket, while Travelers typically raises prices around $32 a month, on average.

That being said, Norfolk & Dedham tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering rates that are 9% and 16% less expensive, respectively, compared to Travelers.

Which Company is Best for Drivers After an Accident?

Norfolk & Dedham Travelers
Clean Record$116$128
1 At-Fault Accident$185$173

Norfolk & Dedham policyholders who get in an accident can expect to see their premiums climb by just under $70, while those who have insurance through Travelers will see about a $45 increase.

Overall, drivers who use Travelers end up with the cheaper prices after an accident, with monthly rates averaging $173 compared to Norfolk & Dedham's $185.

Which Company is Best for Drivers with a DUI?

Norfolk & Dedham Travelers
Clean Record$116$128
1 DUI$224$205

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. For example, Norfolk & Dedham increases average prices by over $100 per month -- that's just under a 50% increase.

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

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

Auto insurance carriers 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 cheaper rates.

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

Which Company is Best for Drivers with Good Credit?

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

Typically, if you have fantastic credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will usually save Travelers customers around 15%. 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 premiums.

Which Company is Best for Drivers with Bad Credit?

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

Having bad credit generally means you'll also see higher prices with Travelers. As you can see, Travelers customers with poor credit scores pay about 25% a month more than 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 could have better rates for drivers with bad credit over Travelers.

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

Norfolk & Dedham Travelers
6,000 Annual Miles$151$164
12,000 Annual Miles$179$169

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Usually, the more miles you put on your vehicle each year, the more you can expect to pay for insurance.

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

Norfolk & Dedham vs. Travelers: 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 car insurance, but the type of area you live in can have a considerable impact as well. Typically, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Norfolk & Dedham Travelers
Urban Areas$217$204
Suburban Areas$191$160
Rural Areas$87$136

Looking at these companies side-by-side, Travelers boasts the lowest average premiums in urban and suburban areas, while Norfolk & Dedham wins in rural areas.

In urban areas, Travelers's average rates are around $13 less than Norfolk & Dedham. Drivers in suburban ZIP codes pay about $31 less with Travelers compared to Norfolk & Dedham. If you live in a rural area, you can expect to save around $49 with Norfolk & Dedham compared to Travelers.

Norfolk & Dedham vs. Travelers Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

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

Norfolk & Dedham Travelers
ABS Discount 
Advance Quote Discount
Alternative Fuel Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount
DRL Discount 
EFT Discount 
Electric Vehicle Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount
Group Discount 
Hybrid Vehicle Discount
Mature Driver Discount
Multi-Car Discount 
Multi-Policy Discount

Travelers blows Norfolk & Dedham away when it comes to the sheer amount of discounts available, offering 14 more discounts than Norfolk & Dedham.

A couple of those are overlapping for things like advance quote discounts, distant student discounts, discounts for being a good student, and multi-policy discounts. Travelers also offers ABS discounts, alternative fuel 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 -- paperless discounts and renewal discounts.

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

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, is Norfolk & Dedham or Travelers the right company for you and your specific needs?

Travelers might be best for you if....

  • You have a DUI charge on your record.
  • You're looking for more protection with "full coverage" auto insurance.
  • Your neighborhood is in the suburbs.

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

  • You're single and purchasing insurance by yourself.
  • You live in a rural neighborhood.
  • You don't spend much time in your car.

We hope this guide has ben a valuable resource as you compare Norfolk & Dedham and Travelers and that you can now make a more informed decision when it comes to your car 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 multiple companies, not just Norfolk & Dedham and Travelers. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

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Norfolk & Dedham vs. Travelers FAQs

Is Norfolk & Dedham or Travelers cheaper?

Looking just at the national average rates, Norfolk & Dedham is the cheaper of the two companies, offering average rates of $165 per month compared to $167 for Travelers. However, Norfolk & Dedham won't necessarily be the most affordable carrier for every driver, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Norfolk & Dedham or Travelers?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Norfolk & Dedham offers less expensive prices for single drivers, while Travelers is more affordable for drivers who have already retired.

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

Auto insurance carriers take a look at quite a few different variables when determining the premiums they charge policyholders. Things such as age, gender, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Norfolk & Dedham and Travelers calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be Norfolk & Dedham or Travelers at all!


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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