North Star vs Amica Mutual Insurance: Which is Better for You?
Compare rates from the top car insurance companies in your area.
North Star Mutual or Amica Mutual Insurance: Which Company is Best for You?
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.
North Star vs. Amica: pricing by credit score
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.
RATES BY CREDIT LEVEL: AMICA VS. NORTH STAR MUTUAL
| 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 |
North Star vs. Amica: rates for high-risk drivers
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.
HIGH-RISK INSURANCE RATE COMPARISON: AMICA VS. NORTH STAR MUTUAL
| 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 |
North Star vs. Amica: rates by age
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.
COMPARING AUTO INSURANCE RATES BY AGE: AMICA VS. NORTH STAR MUTUAL
| 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 |
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| Good Student |
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| Ratings Comparison | North Star Mutual | Amica Mutual Insurance |
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| Financial Strength | N/A | Superior |
| JD Power Rankings | N/A | Excellent |
| User Satisfaction | N/A | N/A |
| Other Products | North Star Mutual | Amica Mutual Insurance |
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| Other Features | North Star Mutual | Amica Mutual Insurance |
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| 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. | At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service. |
| 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. | Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility. |
| Additional Discounts | None Available | Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy. |
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