North Star vs. Allstate

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North Star Mutual or Allstate:
Which Company is Best for You?

North Star Mutual vs. Allstate insurance

Average monthly car insurance rate
Driver ProfileNorth Star MutualAllstate
At-Fault Accident (past 12 months)$166Save $85$251
Good Credit (670-739)$97Save $72$169
Bad Credit (300-579)$161Save $87$248
Low-Mileage Driver (<7,500 miles/year)$97Save $66$163

Picking an auto insurance company is sometimes difficult: rates may vary by location, vehicle, and driving record, and every company provides a different set of discounts. North Star and Allstate are two of the most popular insurance companies, offering high-quality coverage across large portions of America.

To simplify the process of comparing insurance companies, we gathered average rates from Allstate and North Star. These take into account a variety of rating factors, including credit history, driving history, and age. Take a look at these rates and find the perfect policy for you.

North Star vs. Allstate: insurance rate comparison

North Star vs. Allstate: by credit level

If you have very poor credit, North Star could be a better option for you. On average, North Star offers lower rates than Allstate for drivers with credit scores of lower than 580. Drivers with excellent credit — a score of 800-plus — should lean toward North Star, which typically beats Allstate by $781 per year. Check out typical insurance costs by credit level for Allstate and North Star below.

Credit levelNorth Star avg. annual premiumAllstate avg. annual premium
Very Poor (300-579)$1,980$3,117
Fair (580-669)$1,405$2,162
Good (670-739)$1,256$2,021
Very Good (740-799)$1,018$1,820
Exceptional (800-850)$962$1,743

North Star vs. Allstate: high-risk insurance rate comparison

If you're saddled with an at-fault accident, speeding violation, reckless driving citation, or DUI on your résumé, North Star could be a better choice than Allstate. Every insurance company prices policies differently after a violation, so it's worth comparing quotes to find out which insurer is best for you.

InfractionNorth Star avg. annual premiumAllstate avg. annual premium
At-fault accident (damage < $1,000)$1,534$3,006
At-fault accident (damage > $1,000)$1,534$2,290
Reckless driving$2,339$3,388
Speeding ticket$1,516$2,256

North Star vs. Allstate: rates by age bracket

Insurers use age as an indicator of potential risk, assigning rates on a sliding scale. Auto insurance is often priciest for drivers younger than 25 — due to their inexperience — and more affordable for middle-aged drivers. Because each insurance company prices age tiers in a different way, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose North Star before Allstate: North Star offers average yearly savings of $3,704, compared to Allstate.

AgeNorth Star avg. annual premiumAllstate avg. annual premium

Affordability aside, North Star and Allstate each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonNorth Star MutualAllstate
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 ComparisonNorth Star MutualAllstate
Financial Strength N/AExcellent
JD Power Rankings N/AAverage
User Satisfaction N/AN/A
Other ProductsNorth Star MutualAllstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNorth Star MutualAllstate
AboutNorth 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.Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).
Additional DiscountsNone AvailableAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
Recent QuestionsCan you make your child a permissive user in order to get a discount?
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.
See More Questions
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