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 | Superior | Good |
| JD Power Rankings | Not Rated | |
| User Satisfaction | 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, and maintains a wide-ranging rewards program for AAA members. |
| Recent Questions | 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. Does roadside assistance cover people not on your policyI haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users. Customer service for AAA roadside assistance only versus AAA auto insurance?Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral. What do I do if my vehicle was totaled while parked?I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest. See More Questions | |
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