North Star Mutual vs 21st Century: Which Company is Best in 2022?

North Star Mutual or 21st Century:
Which Company is Best for You?

Picking a car insurance company can be complicated: rates may vary based on your location, vehicle, and driving record, and companies offer an array of discounts. North Star and 21st Century are two of the most popular insurers, providing high-quality insurance policies across large portions of the US.

To help simplify the comparison process, we gathered average policy rates from 21st Century and North Star. These cover a variety of rating factors, including credit score, driving record, and age. Examine these figures and find your next car insurance policy today.

North Star vs. 21st Century: premium comparison

North Star vs. 21st Century: by credit level

If you have extremely bad credit, 21st Century could be the way to go. On average, 21st Century offers lower rates than North Star for drivers with credit scores of less than 580. Insurance shoppers with extraordinary credit — a score of 800 or better — should favor North Star, which typically beats 21st Century by $401 annually. View common insurance rates by credit level for 21st Century and North Star below.

RATES BY CREDIT LEVEL: 21ST CENTURY VS. NORTH STAR

Credit score	North Star avg. annual premium	21st Century avg. annual premium
Very Poor (300-579)	$1,980	$1,363
Fair (580-669)	$1,405	$1,363
Good (670-739)	$1,256	$1,657
Very Good (740-799)	$1,018	$1,363
Exceptional (800-850)	$962	$1,363

North Star vs. 21st Century: rates for high-risk drivers

If you've got an at-fault accident, ticket, reckless driving violation, or DUI on your résumé, North Star could be a better choice than 21st Century. Every insurance company enacts rate penalties differently, so it's worth comparing quotes to find out which insurer is best for you.

RATES BY VIOLATION: 21ST CENTURY VS. NORTH STAR

Citation	North Star avg. annual premium	21st Century avg. annual premium
At-fault accident (damage < $1,000)	$1,534	$2,440
At-fault accident (damage > $1,000)	$1,534	$1,273
DUI/DWI	$3,221	$3,949
Reckless driving	$2,339	$3,949
Speeding ticket	$1,516	$1,781

North Star vs. 21st Century: rates by age

Insurers use a driver's age as an indicator of potential risk, assigning rates accordingly. Insurance is often priciest for drivers younger than 25 — because of their inexperience — and more affordable for middle-aged drivers. Because each insurance company prices ages uniquely, it's smart to shop around and find a great rate.

As a general rule, teen drivers should choose North Star over 21st Century: North Star offers average yearly savings of $2,495 versus21st Century.

RATES BY AGE BRACKET: 21ST CENTURY VS. NORTH STAR

Age	North Star avg. annual premium	21st Century avg. annual premium
Teens	$2,738	$5,233
20s	$1,454	$1,795
30s	$1,074	$1,795
40s	$1,074	$1,313
50s	$825	$1,244
60s	$822	$1,117

Aside from finances, there are myriad pros and cons of both North Star and 21st Century, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison	North Star Mutual	21st Century
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military

Ratings Comparison	North Star Mutual	21st Century
Financial Strength	N/A	Excellent
JD Power Rankings	N/A	N/A
User Satisfaction	N/A	N/A

Other Products	North Star Mutual	21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance

Other Features	North Star Mutual	21st Century
About	North Star Mutual provides insurance protection through a variety of products along with friendly personal service and fast, hassle-free claims handling to keep you on course.	21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service.
Roadside Assistance	North Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.	21st Century customers are automatically enrolled in the 21st Roadside Assistance program at no additional cost. 21st Roadside Assistance provides 24/7 towing, lock-out service and other emergency services, limited to five service calls per vehicle per calendar year. 21st Roadside Assistance coverage is provided for up to $75 ($80 in TX, $100 in NC) in roadside services. Service applies to labor only. Parts (tires, batteries, belts, etc.) and gasoline are not included.
Additional Discounts	None Available	21st Century offers an additional discount for seniors in select states.
Recent Questions
Compare More	North Star Mutual vs. Allied North Star Mutual vs. Allstate North Star Mutual vs. American Family North Star Mutual vs. Amica Mutual Insurance North Star Mutual vs. Auto Club (AAA) North Star Mutual vs. Erie North Star Mutual vs. Farm Bureau Mutual North Star Mutual vs. Farmers North Star Mutual vs. GEICO North Star Mutual vs. Infinity North Star Mutual vs. Liberty Mutual North Star Mutual vs. Mercury North Star Mutual vs. MetLife North Star Mutual vs. Nationwide North Star Mutual vs. Progressive North Star Mutual vs. Safe Auto North Star Mutual vs. Safeco North Star Mutual vs. State Farm	21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Amica Mutual Insurance 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farm Bureau Mutual 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Liberty Mutual 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. Nationwide 21st Century vs. Progressive 21st Century vs. Safe Auto 21st Century vs. Safeco 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAA
Top States	Minnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas Wisconsin	California

North Star vs. 21st Century

Compare rates from the top car insurance companies in your area.

North Star Mutual or 21st Century:
Which Company is Best for You?

North Star vs. 21st Century: premium comparison

North Star vs. 21st Century: by credit level

RATES BY CREDIT LEVEL: 21ST CENTURY VS. NORTH STAR

North Star vs. 21st Century: rates for high-risk drivers

RATES BY VIOLATION: 21ST CENTURY VS. NORTH STAR

North Star vs. 21st Century: rates by age

RATES BY AGE BRACKET: 21ST CENTURY VS. NORTH STAR

Compare rates from the top car insurance companies in your area.

North Star vs. 21st Century

Compare rates from the top car insurance companies in your area.

North Star Mutual or 21st Century: Which Company is Best for You?

North Star vs. 21st Century: premium comparison

North Star vs. 21st Century: by credit level

RATES BY CREDIT LEVEL: 21ST CENTURY VS. NORTH STAR

North Star vs. 21st Century: rates for high-risk drivers

RATES BY VIOLATION: 21ST CENTURY VS. NORTH STAR

North Star vs. 21st Century: rates by age

RATES BY AGE BRACKET: 21ST CENTURY VS. NORTH STAR

Compare rates from the top car insurance companies in your area.

North Star Mutual or 21st Century:
Which Company is Best for You?