Picking an auto insurance company can be tough: rates may vary based on your driving record, location, and age, and every company's discounts vary. North Star and Amica are two of the US' most popular auto insurance companies, providing affordable policies across large swaths of the US.
In an effort to make insurance shopping seamless, we have collected average policy rates from Amica and North Star. These rates cover a variety of pricing factors, including credit rating, driving history, and demographics. Check out the below rates and find an affordable policy today.
If you have very poor credit, North Star could be the way to go. Typically, North Star offers cheaper rates than Amica for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward North Star, which typically beats Amica by $95 per year. View common insurance rates by credit tier for Amica and North Star below.
| Credit level | North Star avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $1,980 | $2,010 |
| Fair (580-669) | $1,405 | $1,389 |
| Good (670-739) | $1,256 | $1,352 |
| Very Good (740-799) | $1,018 | $1,174 |
| Exceptional (800-850) | $962 | $1,057 |
If you are carrying an at-fault accident, speeding violation, reckless driving citation, or DUI on your record, North Star could be a better choice than Amica. Every insurer prices its policies differently, so it's worth comparing quotes to find out which insurance company suits you.
| Violation | North Star avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $1,534 | $1,646 |
| At-fault accident (damage > $1,000) | $1,534 | $1,152 |
| DUI/DWI | $3,221 | $3,356 |
| Reckless driving | $2,339 | $2,761 |
| Speeding ticket | $1,516 | $1,390 |
Insurance companies use age to outline risk potential, pricing premiums accordingly. An auto insurance policy is typically priciest for young drivers — thanks to their inexperience — and most affordable for drivers aged 25 or older. Since every insurance company rates ages in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose North Star over Amica: North Star offers average yearly savings of $2,628 versusAmica.
| Age tier | North Star avg. annual premium | Amica avg. annual premium |
| Teens | $2,738 | $5,366 |
| 20s | $1,454 | $1,631 |
| 30s | $1,074 | $1,631 |
| 40s | $1,074 | $1,151 |
| 50s | $825 | $1,105 |
| 60s | $822 | $1,066 |
Affordability aside, there are myriad pros and cons of both North Star and Amica, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | North Star Mutual | Amica Mutual Insurance |
|---|---|---|
| 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 | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | N/A | Superior |
| JD Power Rankings | N/A | Above average |
| User Satisfaction | N/A | N/A |
| Other Products | North Star Mutual | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |