Picking a car insurance company can be hard: companies' rates may vary based on your driving history, age, and location, and every company's discounts vary. North Star and AAA are two of the most popular car insurance companies, providing high-quality coverage across many states.
In an effort to make insurance shopping seamless, we have collected average rates from AAA and North Star. These take into consideration a variety of rating factors, including credit history, driving infractions, and demographics. Take a look at these rates and find an affordable policy today.
If you have very poor credit, North Star could be preferable to North Star. On average, North Star offers lower premiums than AAA for drivers with credit scores of lower than 580. Insurance shoppers with excellent credit — a score of 800-plus — should lean toward North Star, which typically beats AAA by $1,852 per year. Check out typical insurance rates by credit level for AAA and North Star below.
| Credit score | North Star avg. annual premium | AAA avg. annual premium |
| Very Poor (300-579) | $1,980 | $6,569 |
| Fair (580-669) | $1,405 | $4,023 |
| Good (670-739) | $1,256 | $3,723 |
| Very Good (740-799) | $1,018 | $3,004 |
| Exceptional (800-850) | $962 | $2,814 |
If you've got an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving résumé, North Star could be a better choice than AAA. Every insurance company prices policies differently after a violation, so it's worth comparing quotes to figure out which insurer suits you.
| Infraction | North Star avg. annual premium | AAA avg. annual premium |
| At-fault accident (damage < $1,000) | $1,534 | $4,078 |
| At-fault accident (damage > $1,000) | $1,534 | $4,002 |
| DUI/DWI | $3,221 | $5,530 |
| Reckless driving | $2,339 | $5,530 |
| Speeding ticket | $1,516 | $4,078 |
Insurers use a driver's age as an estimator of risk, pricing premiums on a sliding scale. An insurance policy is usually most expensive for teen drivers — thanks to their inexperience — and more affordable for drivers aged 25 or older. Because every car insurance company evaluates ages in a different way, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose North Star over AAA: North Star offers average yearly savings of $7,518, compared to AAA.
| Age bracket | North Star avg. annual premium | AAA avg. annual premium |
| Teens | $2,738 | $10,256 |
| 20s | $1,454 | $4,644 |
| 30s | $1,074 | $4,644 |
| 40s | $1,074 | $3,195 |
| 50s | $825 | $3,083 |
| 60s | $822 | $2,887 |
Cost aside, there are myriad pros and cons of both North Star and AAA, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | North Star Mutual | Auto Club (AAA) |
|---|---|---|
| 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 | Auto Club (AAA) |
|---|---|---|
| Financial Strength | N/A | Superior |
| JD Power Rankings | N/A | Below average |
| User Satisfaction | N/A | N/A |
| Other Products | North Star Mutual | Auto Club (AAA) |
|---|---|---|
| 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 | Auto Club (AAA) |
|---|---|---|
| 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. | Auto Club provides its customers with customizable payment options, competitive rates and excellent features. |
| 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. | AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge. |
| Additional Discounts | None Available | AAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members. |
| Recent Questions |
I want to get my own car insurance, but my mom won't let me.
Because your mother has an umbrella policy through AAA, she is likely required to have you rated as a driver on her policy. This is a common requirement with insurance carriers who offer umbrella insurance.
Can a bank add insurance to my loan when I already have insurance?
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.
Can I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
See More Questions
|
|
| Compare More | North Star Mutual vs. 21st Century 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. 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 | Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan |
| Top States | Minnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas Wisconsin | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |