North Star vs. Farmers

Compare rates from the top car insurance companies in your area.

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

North Star Mutual or Farmers:
Which Company is Best for You?

North Star Mutual vs. Farmers insurance

Average monthly car insurance rate
Driver ProfileNorth Star MutualFarmers
At-Fault Accident (past 12 months)$166Save $20$186
Good Credit (670-739)$97Save $40$137
Bad Credit (300-579)$161Save $40$201
Low-Mileage Driver (<7,500 miles/year)$97Save $38$135

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.

North Star vs. Farmers: rate comparison

North Star vs. Farmers: by credit level

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 levelNorth Star avg. annual premiumFarmers 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

North Star vs. Farmers: rates for drivers with bad records

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.

ViolationNorth Star avg. annual premiumFarmers avg. annual premium
At-fault accident (damage < $1,000)$1,534$2,334
At-fault accident (damage > $1,000)$1,534$1,699
Reckless driving$2,339$4,636
Speeding ticket$1,516$2,045

North Star vs. Farmers: rates by age bracket

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 tierNorth Star avg. annual premiumFarmers avg. annual premium

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 ComparisonNorth Star MutualFarmers
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
New Vehicle
Annual Mileage
Ratings ComparisonNorth Star MutualFarmers
Financial Strength N/AExcellent
JD Power Rankings N/ABelow average
User Satisfaction N/AN/A
Other ProductsNorth Star MutualFarmers
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNorth Star MutualFarmers
AboutNorth 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 Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.
Roadside AssistanceNorth 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 DiscountsNone AvailableFarmers offers an additional discount for seniors.
Recent QuestionsShould 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&nbsp;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 representation 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.
See More Questions
Compare MoreNorth 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. Erie North Star Mutual vs. Farm Bureau Mutual 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 FarmFarmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. Progressive Farmers vs. Safe Auto Farmers vs. Safeco Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA
Top StatesMinnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas WisconsinArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas