Choosing a car insurance company is sometimes difficult: the rates each insurer offers can vary widely based on your driving record, age, and location, and every company's discounts vary. North Star and Farmers are two of the most popular auto insurance companies, offering competitively priced coverage across most of the US.
To simplify the insurance-shopping process, we've gathered typical rates from Farmers and North Star. These take into consideration a number of pricing components, including credit rating, driving infractions, and age. Check out the below rates and find an affordable policy today.
If you have extremely bad credit, North Star could be preferable to North Star. Typically, North Star offers better prices than Farmers for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800-plus — should favor North Star, which typically beats Farmers by $392 per year. Check out typical insurance rates by credit level for Farmers and North Star below.
| Credit level | North Star avg. annual premium | Farmers avg. annual premium |
| Very Poor (300-579) | $1,980 | $2,633 |
| Fair (580-669) | $1,405 | $1,736 |
| Good (670-739) | $1,256 | $1,882 |
| Very Good (740-799) | $1,018 | $1,459 |
| Exceptional (800-850) | $962 | $1,354 |
If you're saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI in your recent history, North Star could be a better choice than Farmers. Every auto insurance company prices its policies differently, so it's worth comparing quotes to find out which insurance company suits you.
| Violation | North Star avg. annual premium | Farmers avg. annual premium |
| At-fault accident (damage < $1,000) | $1,534 | $2,334 |
| At-fault accident (damage > $1,000) | $1,534 | $1,699 |
| DUI/DWI | $3,221 | $3,239 |
| Reckless driving | $2,339 | $4,636 |
| Speeding ticket | $1,516 | $2,045 |
Auto insurance companies use a driver's age to outline potential risk, assigning rates accordingly. An insurance policy is usually most expensive for beginning and young drivers — due to their inexperience — and more affordable for drivers aged 25 or older. Because every insurance company prices age brackets differently, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose North Star over Farmers: North Star offers average yearly savings of $3,780 versusFarmers.
| Age tier | North Star avg. annual premium | Farmers avg. annual premium |
| Teens | $2,738 | $6,518 |
| 20s | $1,454 | $2,020 |
| 30s | $1,074 | $2,020 |
| 40s | $1,074 | $1,511 |
| 50s | $825 | $1,507 |
| 60s | $822 | $1,402 |
Finances aside, North Star and Farmers each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | North Star Mutual | Farmers |
|---|---|---|
| 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 | Farmers |
|---|---|---|
| Financial Strength | N/A | Excellent |
| JD Power Rankings | N/A | Excellent |
| User Satisfaction | N/A | N/A |
| Other Products | North Star Mutual | Farmers |
|---|---|---|
| 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 | Farmers |
|---|---|---|
| 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. | Farmers Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, along with unparalleled customer and claim 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. | Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts. |
| Additional Discounts | None Available | Farmers offers an additional discount for seniors. |
| Recent Questions |
Should senior citizens carry collision insurance?
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.
Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representative at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
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