|Driver Profile||North Star Mutual||Allstate|
|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.
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 level||North Star avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$1,980||$3,117|
|Very Good (740-799)||$1,018||$1,820|
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.
|Infraction||North Star avg. annual premium||Allstate avg. annual premium|
|At-fault accident (damage < $1,000)||$1,534||$3,006|
|At-fault accident (damage > $1,000)||$1,534||$2,290|
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.
|Age||North Star avg. annual premium||Allstate 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 Comparison||North Star Mutual||Allstate|
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|Ratings Comparison||North Star Mutual||Allstate|
|JD Power Rankings||Not Rated|
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|Other Features||North Star Mutual||Allstate|
|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.||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense 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.||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 Discounts||None Available||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.|
|Recent Questions||Can 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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