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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Student Away at School |
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| Green Vehicles |
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| Affinity Membership Alum | ||
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| Military |
| Ratings Comparison | North Star Mutual | Farmers |
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| Financial Strength | N/A | Excellent |
| JD Power Rankings | N/A | Excellent |
| User Satisfaction | N/A | N/A |
| Other Products | North Star Mutual | Farmers |
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| Other Features | North Star Mutual | Farmers |
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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. | 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 |
Will my Farmers insurance roadside assistance provide towing up to 250 miles?
Roadside assistance varies by insurance company. From my understanding, most towing and roadside assistance coverage offered as part of an auto policy either has a set dollar amount to cover a tow, covers towing up to 15 miles from your breakdown, or covers towing to the nearest repair facility.
See More Questions
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