Picking a car insurance company can be difficult: rates may vary by driving record, location, and age, and insurers offer a variety of perks. North Star and Allied are two of the most popular insurers, selling affordable coverage across large portions of the US.
In an effort to make shopping for car insurance easier, we have gathered average prices from Allied and North Star. The below cover an array of rating factors, including credit rating, driving history, and age. Compare rates and find the right policy for you.
If you have very poor credit, Allied could be the best option for you. On average, Allied offers more affordable rates than North Star for drivers with credit scores of less than 580. Drivers with excellent credit — a score of 800 or higher — should lean toward View typical insurance rates by credit score for Allied and North Star:
| Credit level | North Star avg. annual premium | Allied avg. annual premium |
| Very Poor (300-579) | $1,980 | $1,483 |
| Fair (580-669) | $1,405 | $1,097 |
| Good (670-739) | $1,256 | $1,104 |
| Very Good (740-799) | $1,018 | $920 |
| Exceptional (800-850) | $962 | $857 |
If you are carrying an at-fault collision, speeding violation, reckless driving citation, or DUI on your résumé, North Star could be a better choice than Allied. Every auto insurance company will handle driving offenses differently, so don't hesitate to shop around to understand which insurer is best for you.
| Infraction | North Star avg. annual premium | Allied avg. annual premium |
| At-fault accident (damage < $1,000) | $1,534 | $1,662 |
| At-fault accident (damage > $1,000) | $1,534 | $1,221 |
| DUI/DWI | $3,221 | $2,708 |
| Reckless driving | $2,339 | $2,708 |
| Speeding ticket | $1,516 | $1,232 |
Car insurance companies rely on age to indicate risk, assigning rates accordingly. An auto insurance policy is typically priciest for teen drivers — due to their inexperience — and most affordable for middle-aged drivers. Since every insurance company prices age brackets 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 Allied: North Star offers average yearly savings of $788 versusAllied.
| Age bracket | North Star avg. annual premium | Allied avg. annual premium |
| Teens | $2,738 | $3,526 |
| 20s | $1,454 | $1,392 |
| 30s | $1,074 | $1,392 |
| 40s | $1,074 | $959 |
| 50s | $825 | $915 |
| 60s | $822 | $832 |
Costs aside, North Star and Allied each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | North Star Mutual | Allied |
|---|---|---|
| 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 | Allied |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A+ | A+ |
| Other Products | North Star Mutual | Allied |
|---|---|---|
| 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 | Allied |
|---|---|---|
| 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. | Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you. |
| 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. | Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts. |
| Additional Discounts | None Available | Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually. |
| Recent Questions | Will my insurance company cover my vehicle if my cousin was driving my car? Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process. If I claim my injuries after an accident, will that make my rates higher?Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options. Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?<span data-sheets-value="{"1":2,"2":"Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing. How much do car insurance rates go up after a DUI?<span data-sheets-value="{"1":2,"2":"Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none. See More Questions | |
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