North Star Mutual vs. American Family insurance
Average monthly car insurance rate
|Driver Profile||North Star Mutual||American Family|
|At-Fault Accident (past 12 months)||$166Save $4||$170|
|Good Credit (670-739)||$97Save $16||$113|
|Bad Credit (300-579)||$161Save $29||$190|
|Low-Mileage Driver (<7,500 miles/year)||$97Save $13||$110|
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.
North Star vs. American Family: insurance rate comparison
North Star vs. American Family: prices by credit level
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.
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: AMERICAN FAMILY VS. NORTH STAR MUTUAL
|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|
North Star vs. American Family: costs for high-risk drivers
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.
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: AMERICAN FAMILY VS. NORTH STAR MUTUAL
|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|
North Star vs. American Family: rates by age
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 BRACKET INSURANCE RATE COMPARISON: AMERICAN FAMILY VS. NORTH STAR MUTUAL
|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.