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

If you're in the market for a new car insurance policy, you might be wondering how Vermont Mutual and Norfolk & Dedham compare when it comes to the most affordable prices 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 insurance, Norfolk & Dedham offers slightly more affordable premiums than Vermont Mutual
  • Norfolk & Dedham has cheaper rates for people who are single and purchasing auto insurance by yourself
  • Vermont Mutual offers more affordable prices for policyholders who drive a short distance to work everyday

Norfolk & Dedham vs. Vermont Mutual: 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 big discounts. But exactly how much can you save by switching?

You might have narrowed it down to Norfolk & Dedham or Vermont Mutual as potential options, but which carrier has less expensive premiums for car insurance?

Norfolk & Dedham Vermont Mutual

Looking at the national average rates for both companies, Norfolk & Dedham is about $8 per month more affordable than Vermont Mutual.

That being said, Norfolk & Dedham may not be the lowest or best option for each driver out there. Insurance carriers vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and tons of other factors, so premiums will change quite a bit from person to person.

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

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

State Norfolk & Dedham Vermont Mutual

Norfolk & Dedham and Vermont Mutual only compete against each other in Massachusetts, where Norfolk & Dedham offers the cheaper average rates. For Massachusetts residents, Norfolk & Dedham offers auto insurance for $165 a month on average. Vermont Mutual's average prices come out to be over 30% more expensive, at $219 monthly.

That being said, there's a lot more that goes into your car insurance payment than just where you call home. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Norfolk & Dedham Vermont Mutual
18-year-old drivers$347$342
25-year-old drivers$144$165

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. That's generally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Vermont Mutual save $5 a month compared to those who use Norfolk & Dedham.

But with both companies, you'll see your rates lower significantly by the time you turn 25. For example, average premiums for Norfolk & Dedham policyholders drop nearly 60% and Vermont Mutual's rates reduce more than 50% over that time.

Which is the Best Company for Retired Drivers?

Norfolk & Dedham Vermont Mutual
65+-year-old drivers$134$131

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you can find.

When looking at Norfolk & Dedham and Vermont Mutual specifically, which carrier is best for retired drivers? Vermont Mutual gets the slight edge here, with average prices coming in at around $131 per month compared to Norfolk & Dedham's $134. Even so, the difference is only about 5%, so other factors 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 Vermont Mutual

Single policyholders tend to get offered slightly more expensive insurance rates than married policyholders. 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 auto insurance, Norfolk & Dedham tends to have the most affordable average prices regardless of relationship status, with prices around 5% cheaper for those who are single and about 3% less expensive for married couples.

Norfolk & Dedham vs. Vermont Mutual: Average Rates by Gender

Norfolk & Dedham Vermont Mutual

Because men are more likely to get into accidents and get tickets, they are more likely to file a claim with insurance. Therefore, men tend to pay more for insurance than women.

Everyone gets the same monthly premiums regardless of gender with Norfolk & Dedham, and around $14 less with Vermont Mutual.

Looking at overall affordability, Norfolk & Dedham comes out on top for both men and women. On average, male drivers save about $15 per month and women save about $1 with Norfolk & Dedham compared to the average Vermont Mutual policyholder.

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

Norfolk & Dedham Vermont Mutual
State Minimum*$98$85
Full Coverage**$232$261

*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. Everyone needs insurance, but there are so many different limits and terms that it can be hard 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 an accident) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability).

In this case, Vermont Mutual offers the cheapest average rates for state minimum limits for liability insurance, while Norfolk & Dedham has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $15 with Vermont Mutual, while full coverage comes out to be around $30 more affordable with Norfolk & Dedham.

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

You've probably seen plenty of commercials from auto insurance carriers offering great prices 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 premiums, but which carrier -- Norfolk & Dedham or Vermont Mutual -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Norfolk & Dedham Vermont Mutual
Clean Record$116$117
1 Speeding Ticket$135$124

Norfolk & Dedham policyholders can expect their prices to go up an average of $19 a month if they get a ticket, while Vermont Mutual generally raises premiums about $7 per month, on average.

If you have a clean record, Norfolk & Dedham tends to offer the best rates at around 1% cheaper, while Vermont Mutual has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Norfolk & Dedham Vermont Mutual
Clean Record$116$117
1 At-Fault Accident$185$144

Norfolk & Dedham policyholders who get in a collision can expect to see their prices rise by just under $70, while those who have insurance through Vermont Mutual will see about a $25 increase.

Overall, drivers who use Vermont Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $144 compared to Norfolk & Dedham's $185.

Which Company is Best for Drivers with a DUI?

Norfolk & Dedham Vermont Mutual
Clean Record$116$117
1 DUI$224$307

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. Vermont Mutual drivers usually see a 62% raise in their insurance rates after a DUI charge, while Norfolk & Dedham will normally increase prices by around 48%.

If you have a DUI on your record and are looking for more affordable premiums, Norfolk & Dedham tends to be the much less expensive option with average prices of $224 monthly compared to $307 from Vermont Mutual.

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

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

Car 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 prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Norfolk & Dedham Vermont Mutual
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

You'll often be rewarded if you have stellar credit. Jumping from a "good" credit score to an "excellent" one will usually save Vermont Mutual customers about $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 Vermont Mutual
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

If you have bad credit, it can cost you with Vermont Mutual. For drivers with less-than-stellar credit, at Vermont Mutual, you may pay around 45% 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. 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 Vermont Mutual.

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

Norfolk & Dedham Vermont Mutual
6,000 Annual Miles$151$173
12,000 Annual Miles$179$173

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. Typically, those who drive fewer miles will end up with more affordable rates since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Vermont Mutual charges. However, there's a significant difference in monthly prices for Norfolk & Dedham, with policyholders who drive the least paying about $28 less each month compared to those who drive 12,000 miles every year.

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

Where you park your vehicle can have a pretty big impact on your monthly insurance cost. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Norfolk & Dedham Vermont Mutual
Urban Areas$217$199
Suburban Areas$191$169
Rural Areas$87$152

Looking at these carriers side-by-side, Vermont Mutual tends to offer the cheapest option for drivers in urban and suburban areas, while Norfolk & Dedham wins in rural areas.

In urban areas, Vermont Mutual's average rates are around 8% less than Norfolk & Dedham. Drivers in suburban ZIP codes pay about 12% less with Vermont Mutual compared to Norfolk & Dedham. If you live in a rural area, you can expect to save around 43% with Norfolk & Dedham compared to Vermont Mutual.

Norfolk & Dedham vs. Vermont Mutual Discounts

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

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.

In the table below, we've compared all of the different discounts offered by Norfolk & Dedham and Vermont Mutual 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 Vermont Mutual
ABS Discount 
Advance Quote Discount
Annual Mileage Discount 
Anti-Theft Discount
Distant Student Discount
Driver Training Discount
Experienced Operator Discount 
Good Student Discount
Hybrid Vehicle Discount 
Mature Driver Discount
Multi-Car Discount 
Multi-Policy Discount
Paid In Full Discount
Paperless Discount 
Passive Restraint Discount 
Renewal Discount

Overall, Vermont Mutual has advantage when it comes to total number of discounts. Norfolk & Dedham offers a grand total of 11 discounts, while Vermont Mutual has 14.

Both companies offer many of the same discounts -- like advance quote discounts, distant student discounts, discounts for being a good student, and paid in full discounts -- but Vermont Mutual also offers ABS discounts, annual mileage discounts, experienced operator discounts, and more that Norfolk & Dedham does not.

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

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

So, you've seen how different variables can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, is Norfolk & Dedham or Vermont Mutual the right company for you and your specific driver profile?

Vermont Mutual might be best for you if....

  • You want to save money on your auto insurance after a collision.
  • Your credit score is high.
  • You're buying car insurance for a teen and looking for a wallet-friendly option.

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

  • You have a clean record.
  • You live in a rural neighborhood.
  • You don't spend much time in your car.

We hope this guide helps you get a good idea of the differences between Norfolk & Dedham and Vermont Mutual. We also hope we've given you the information you need to make the best decision when it comes to your auto 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 insurance -- comparing quotes from multiple carriers, not just Norfolk & Dedham and Vermont Mutual. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes 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. Vermont Mutual FAQs

Is Norfolk & Dedham or Vermont Mutual cheaper?

Looking just at the national average prices, Norfolk & Dedham is the less expensive of the two carriers, offering average rates of $165 per month compared to $173 for Vermont Mutual. However, Norfolk & Dedham won't necessarily be the lowest company for each driver, since there are a bunch of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Norfolk & Dedham or Vermont Mutual?

Unfortunately, the answer truly is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, Norfolk & Dedham offers cheaper rates for drivers with a recent DUI, while Vermont Mutual is less expensive for drivers with excellent credit.

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

Insurance companies take a look at quite a few different variables when determining the prices they charge policyholders. Things like age, your driving record, where you live, gender, and sometimes even things like your credit score can all be used. Both Norfolk & Dedham and Vermont Mutual calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies 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 carriers in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Norfolk & Dedham or Vermont Mutual 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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