North Star vs. AAA

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North Star Mutual or Auto Club (AAA): Which Company is Best for You?

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.


North Star vs. AAA: pricing by credit score

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

North Star vs. AAA: high-risk driver rates

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

North Star vs. AAA: rates by age

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
New Vehicle
Annual Mileage
Ratings Comparison North Star Mutual Auto Club (AAA)
Financial Strength Question mark icon N/A Superior
JD Power Rankings Question mark icon N/A Below average
User Satisfaction Question mark icon 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
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