Picking a car insurer is complex: companies' rates differ by driving record, location, and age, and companies offer an array of discounts. North Star and American Family are counted among the US' top auto insurance companies, providing competitively priced coverage across large portions of America.
In an effort to simplify the insurance-shopping process, we've gathered average rates from American Family and North Star. These rates cover a variety of rating factors, including credit history, driving history, and age. Check out the below rates and find the perfect policy for you.
If you have very poor credit, American Family could be the way to go. Typically, American Family offers more affordable prices than North Star for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800-plus — should lean toward View common insurance costs by credit level for American Family and North Star below.
|Credit level||North Star avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$1,980||$1,931|
|Very Good (740-799)||$1,018||$1,009|
If you're dealing with an at-fault collision, ticket, reckless driving violation, or DWI on your driving résumé, North Star could be a better choice than American Family. Every insurer will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer suits you.
|Citation||North Star avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$1,534||$1,763|
|At-fault accident (damage > $1,000)||$1,534||$990|
Insurance companies use age to outline potential risk, pricing policies on a sliding scale. Car insurance is typically expensive for teens — because of their inexperience — and most affordable for middle-aged drivers. Because each insurance company rates age brackets in a different way, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose North Star over American Family: North Star offers average yearly savings of $1,072, compared to American Family.
|Age||North Star avg. annual premium||American Family avg. annual premium|
Aside from finances, there are myriad pros and cons of both North Star and American Family, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||North Star Mutual||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||North Star Mutual||American Family|
|JD Power Rankings||Not Rated|
|Other Products||North Star Mutual||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||North Star Mutual||American Family|
|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.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|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.||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).|
|Additional Discounts||None Available||None Available|
|Compare More||North Star Mutual vs. 21st Century North Star Mutual vs. Allied North Star Mutual vs. Allstate North Star Mutual vs. Amica Mutual Insurance North Star Mutual vs. Auto Club (AAA) North Star Mutual vs. Erie North Star Mutual vs. Farm Bureau Mutual North Star Mutual vs. Farmers North Star Mutual vs. GEICO North Star Mutual vs. Infinity North Star Mutual vs. Liberty Mutual North Star Mutual vs. Mercury North Star Mutual vs. MetLife North Star Mutual vs. Nationwide North Star Mutual vs. Progressive North Star Mutual vs. Safe Auto North Star Mutual vs. Safeco North Star Mutual vs. State Farm||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. Progressive American Family vs. Safe Auto American Family vs. Safeco American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA|
|States Offered||Minnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas Wisconsin||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|