Choosing a car insurance company is sometimes difficult: companies' rates vary based on your driving record, age, and location, and insurers offer a variety of perks. North Star and Erie are two of the most popular insurers, providing high-quality policies in most states.
To simplify the process of comparing insurance companies, we've collected average rates from Erie and North Star. These cover a variety of pricing factors, including credit rating, driving infractions, and demographics. Check out the below rates and find the right policy for you.
If you have very poor credit, North Star could be a better option for you. On average, North Star offers more affordable rates than Erie for drivers with credit scores of less than 580. Insurance shoppers with outstanding credit — a score of 800-plus — should lean toward View common insurance rates by credit score for Erie and North Star below.
| Credit level | North Star avg. annual premium | Erie avg. annual premium |
| Very Poor (300-579) | $1,980 | $2,402 |
| Fair (580-669) | $1,405 | $1,040 |
| Good (670-739) | $1,256 | $894 |
| Very Good (740-799) | $1,018 | $743 |
| Exceptional (800-850) | $962 | $726 |
If you're dealing with an at-fault crash, ticket, reckless driving violation, or DUI on your driving résumé, Erie could be a better choice than North Star. Each car insurance company prices policies differently after a violation, so it's worth comparing quotes to find out which insurer suits you.
| Infraction | North Star avg. annual premium | Erie avg. annual premium |
| At-fault accident (damage < $1,000) | $1,534 | $893 |
| At-fault accident (damage > $1,000) | $1,534 | $772 |
| DUI/DWI | $3,221 | $1,163 |
| Reckless driving | $2,339 | $760 |
| Speeding ticket | $1,516 | $747 |
Insurers rely on a driver's age to estimate risk, pricing policies accordingly. An auto insurance policy is commonly more expensive for teens — because of their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company rates age brackets uniquely, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose Erie over North Star: the former's average annual rates are $500 less than the latter's..
| Age tier | North Star avg. annual premium | Erie avg. annual premium |
| Teens | $2,738 | $2,238 |
| 20s | $1,454 | $1,108 |
| 30s | $1,074 | $1,108 |
| 40s | $1,074 | $755 |
| 50s | $825 | $692 |
| 60s | $822 | $676 |
Finances aside, there are myriad pros and cons of both North Star and Erie, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | North Star Mutual | Erie |
|---|---|---|
| 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 | Erie |
|---|---|---|
| Financial Strength | N/A | Superior |
| JD Power Rankings | N/A | Excellent |
| User Satisfaction | N/A | N/A |
| Other Products | North Star Mutual | Erie |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | North Star Mutual | Erie |
|---|---|---|
| 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. | Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of 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. | Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown. |
| Additional Discounts | None Available | Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period. |
| Recent Questions |
Will Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
See More Questions
|
|
| Compare More | North Star Mutual vs. 21st Century North Star Mutual vs. Allied North Star Mutual vs. Allstate North Star Mutual vs. American Family North Star Mutual vs. Amica Mutual Insurance North Star Mutual vs. Auto Club (AAA) 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 | Erie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. MetLife Erie vs. Nationwide Erie vs. Progressive Erie vs. Safe Auto Erie vs. Safeco Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA |
| Top States | Minnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas Wisconsin | Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia |