Updated: May 26, 2026
Advertising & Editorial Disclosure
Norfolk & Dedham places ninth for full coverage affordability and 10th for minimum liability coverage with monthly rates of $94 and $42, respectively.
Norfolk & Dedham ranks fourth nationwide for customer satisfaction, backed by strong agent service and positive forum reviews from policyholders.
Norfolk & Dedham ranks third for coverage options, offering distinctive features like accident forgiveness and new car replacement.
Norfolk & Dedham is a Massachusetts-based regional insurer that ranks seventh overall nationally, placing it among the top car insurance companies in the country. It scores well for affordability and coverage options, a good fit for drivers who want broad protection without a high price tag.
This only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
| Overall Score | 4.48 | 7 |
| Customer Experience | 4.8 | 4 |
| Coverage | 4.43 | 3 |
| Affordability | 4.33 | 9 |
Norfolk & Dedham works best for senior drivers, drivers with DUIs, those with speeding tickets, and owners of older vehicles. Young drivers and drivers with accidents should look elsewhere for better rates.
| Overall Score | 4.32 | 13 |
Norfolk & Dedham monthly premiums span from $33 to $696, depending on your profile and coverage needs. We've analyzed national car insurance costs across age groups, gender, coverage types, credit scores and driving records to help you understand where you might fall in this range.
| $148 | $1,774 | 20% | 15 |
Senior drivers will find Norfolk & Dedham among the cheapest car insurance companies available. However, young drivers and those with accidents on their record face much higher premiums. Review how affordable Norfolk & Dedham is for your specific driving profile below.
| Adult Drivers | $37 | $83 | -12% | 9 |
| Drivers With a DUI | $84 | $187 | -24% | 8 |
| Drivers With an Accident | $59 | $132 | 3% | 11 |
| Drivers With a Speeding Ticket | $48 | $108 | -12% | 10 |
| Drivers With Newer Cars | $53 | $121 | -11% | 10 |
| Drivers With Old Cars | $36 | $82 | -5% | 8 |
| Senior Drivers | $29 | $63 | -43% | 2 |
| Young Drivers | $99 | $222 | 5% | 12 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Norfolk & Dedham offers six car insurance discounts, with savings depending on your driving profile, involvement in programs and your area. Check out its offerings:
Good Student | Variable | Young drivers who earn high grade point average | Available in coverage states |
Advance Driver Training | Variable | Complete certain approved driver training course | Available in coverage states |
Advance Purchase | Variable | Purchase policy in advance of current policy expiring | Available in coverage states |
Hybrid Vehicle | Variable | Purchase and insure a hybrid vehicle | Available in coverage states |
Multi-Policy Bundle | Variable | Bundle auto and home insurance policies | Available in coverage states |
Paperless | Variable | Go paperless with 24/7 access to N&D policies | Available in coverage states |
Norfolk & Dedham earned fourth place in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight the company's responsive agent service and user-friendly digital platform as major strengths.
Complaints about claims processing speed and settlement amounts compared to other service areas exist. Based on our research, we break down the buying, policy management and claims process experiences below.
Customer experiences with Norfolk & Dedham's buying process are generally positive, with many customers appreciating the company's long-standing reputation and local presence.
Customers report receiving "personalized and comprehensive experiences while shopping for and maintaining their policies" through independent agents. Norfolk & Dedham offer competitive pricing in Massachusetts.
Customer experiences with policy management are mixed. While Norfolk & Dedham provide online and mobile access, customers report frustration that the mobile app is "only offered on iPhones," limiting accessibility for Android users.
Customers can access basic functions like payments and policy information online, but many rely on their agents for more complex policy changes.
Customer experiences with claims are sharply divided. Satisfied customers praise "fast responses," "reasonable process, good advice and reasonable valuation," with long-term customers noting consistently good service over decades.
Many customers report serious problems, including unresponsive claim specialists, lengthy delays (some lasting "nine months"), issues with non-OEM parts, checks issued to the wrong person and representatives requiring "intervention of a supervisor" to get responses.
Norfolk & Dedham ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Norfolk & Dedham's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a | aaa to d | High credit quality |
S&P Global Financial Strength | Not Available | AAA to D | Rating not publicly available |
Moody's Financial Strength | Not Available | Aaa to C | Rating not publicly available |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Score not publicly available |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | Score not publicly available |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Score not publicly available |
J.D. Power Overall Customer Satisfaction | Not Available | Out of 1,000 | Score not publicly available |
NAIC Auto Complaints | 0.27 | 1.00 is average | Significantly fewer complaints than expected |
Norfolk & Dedham policyholders report mixed experiences across review platforms and forums, citing competitive rates and claim resolution as highlights alongside complaints about claim processing delays and inconsistent customer service. Here's what real customers say about their experiences:
Customers generally appreciate Norfolk & Dedham's competitive rates, particularly noting it as one of the more affordable options in Massachusetts:
"Norfolk & Dedham proved to have highly affordable auto and home insurance rates in Massachusetts when compared to other carriers."
Claims experiences vary, with some customers reporting excellent service while others face significant delays and unresponsive adjusters:
"Always a positive experience with Norfolk & Dedham. Processed several accident claims in a professional and timely matter."
"Our 2023 car was totaled in an accident. A real, very helpful person reached out from Norfolk & Dedham. We got fast responses when I had a question; a reasonable process, good advice, and reasonable valuation for the car."
"My car was hit and I filed a claim with Norfolk & Dedham. The process was painful and the claim specialist was horrible and completely unresponsive. I had numerous issues with this claim, non OEM parts (in violation of policy), check being issued to wrong person, and being unresponsive to the point where I required intervention of a supervisor."
"I have been almost 9 months reaching out to Norfolk & Dedham and I have been getting the run-around. I have called so many times and always resent the same doc and wait 20 days, which have turned into 9 months."
Customer service experiences are notably inconsistent, with some reporting excellent support and others facing significant communication issues:
"Like the insurance, their customer service has gotten better but it was awful for a long time."
"Had a bad service experience with one of N&D's partners whom handle a division of claims. The N&D team was quick to resolve and ensure the customer was put first. Very happy with resolution and effort to improve themselves."
"Some Norfolk & Dedham insurance reviews have shifted from negative to positive, with several customers noting improvements in customer service and the company rectifying previous mistakes."
Norfolk & Dedham offers digital tools through their website and mobile app, though customer feedback on these platforms is limited:
"Norfolk & Dedham Group Insurance provides a mobile app that allows policyholders to access their insurance information and perform various tasks conveniently. The app provides features such as policy management, bill payment, and access to important documents."
"N&D Group has a robust website that offers several features to its customers. The website also gives descriptions of all its policy products in detail."
Long-term customers generally express loyalty to Norfolk & Dedham, highlighting the company's regional presence and financial stability:
"We've been N&D auto and home insurance customers for almost all of the past 40 years, and their service has been consistently good; this time was no exception."
"Norfolk & Dedham has been excellent to me. No complaints at all."
"I can't speak for their car insurance, but their condo insurance has been first rate."
Customers appreciate the range of coverage options available, though some have concerns about parts coverage and policy restrictions during claims:
"Norfolk & Dedham Insurance provides an exceptional array of car insurance coverage, allowing policyholders to mix and match according to their own personal needs."
"I had numerous issues with this claim, non OEM parts (in violation of policy and Massachusetts CMR), check being issued to wrong person."
"At this point I have been paid for all the damage to my vehicle MINUS $1,000 which is my deductible. N&D has done little to nothing to 'subrogate' this claim."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Norfolk & Dedham provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
PersonalPak Endorsement | Comprehensive package that includes accidental airbag discharge, excellent driver deductible credit, pet injury protection, auto loan/lease gap coverage, and new car protection | All-in-one enhancement package; multiple benefits in single endorsement |
Accident Forgiveness Endorsement | Prevents your first at-fault accident from affecting your insurance premium rates | Rate protection after first qualifying accident |
Accidental Airbag Discharge | Covers the cost of replacing airbags that deploy accidentally without a collision | Protection for non-collision airbag deployment; included in PersonalPak |
Excellent Driver Deductible Credit | Reduces or waives deductible for drivers with excellent driving records | Reward for safe driving; deductible reduction benefit |
Pet Injury Protection | Covers veterinary expenses for pets injured in a covered auto accident | Specialized coverage for pet medical costs; included in PersonalPak |
Auto Loan/Lease Gap Coverage | Pays the difference between your vehicle's actual cash value and the remaining loan or lease balance if your car is totaled | Financial protection against negative equity; included in PersonalPak |
New Car Protection | Replaces your vehicle with a brand new car of the same make and model if it's totaled within a specified time period | Full replacement for newer vehicles; included in PersonalPak |
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Norfolk & Dedham Insurance (Directly Offered) | Personal auto insurance, homeowners insurance, renters insurance, personal umbrella insurance, business insurance, farm insurance |
Third-Party Partner | Not disclosed |
Norfolk & Dedham excels in affordability, customer experience and coverage, earning strong rankings in our analysis. It ranked ninth for full coverage and tenth for minimum coverage overall. You should compare quotes and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Norfolk & Dedham car insurance:
Yes, Norfolk & Dedham is a legitimate car insurance company that secured seventh in our comprehensive car insurance provider study. The insurer particularly excels in coverage options, ranking third in this category among all providers we evaluated.
Based on our analysis, it does not rank first in any state or territory.
Norfolk & Dedham charges adults an average of $507 annually for state minimum coverage and $1,131 for full coverage. Annual rates span $399 to $3,062 for minimum and $862 to $6,773 for full coverage.
Norfolk & Dedham doesn't have a widespread reputation for denying legitimate claims, based on available customer feedback and industry data. Individual claim disputes happen with any insurer, but nothing in the available data points to a pattern of questionable denials or aggressive tactics to avoid payouts.
Norfolk & Dedham offers solid value for drivers with DUIs, ranking eighth overall for affordability with competitive rates for this high-risk category.
Yes, Norfolk & Dedham raises rates over time due to inflation impacting repair costs, increased claims from distracted driving and severe weather, plus individual risk factors.
No, Norfolk & Dedham isn't ideal for young drivers, ranking 12th for overall affordability with rates averaging $222 monthly for full coverage.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile for consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables (age, driving record, credit score and military status) to find which insurers offer the best rates for different driver categories. Minimum coverage rates reflect policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Company Rating System
Our evaluation process weighted three factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
