North Star vs. Farmers

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

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: 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.

 
RATES BY CREDIT SCORE: FARMERS VS. NORTH STAR MUTUAL
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
 

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.

 
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: FARMERS VS. NORTH STAR MUTUAL
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
 

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 BRACKET INSURANCE RATE COMPARISON: FARMERS VS. NORTH STAR MUTUAL
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&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
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