Picking an auto insurance company can be tricky: companies' rates vary based on your location, age, and driving history, and every company provides a different set of discounts. North Star and GEICO are two of the most popular insurance companies, offering competitively priced coverage across most of the US.
In an effort to simplify the process of comparing insurance companies, we pulled typical rates from GEICO and North Star. These take into account a number of pricing factors, including credit history, driving infractions, and age. Take a look at these rates and find your next car insurance policy today.
If you have extremely bad credit, North Star could be the way to go. On average, North Star offers better rates than GEICO for drivers with credit scores of less than 580. Those with outstanding credit — a score of 800 or higher — should lean toward North Star, which typically beats GEICO by $102 per year. View typical insurance rates by credit score for GEICO and North Star:
| Credit level | North Star avg. annual premium | GEICO avg. annual premium |
| Very Poor (300-579) | $1,980 | $2,051 |
| Fair (580-669) | $1,405 | $1,358 |
| Good (670-739) | $1,256 | $1,485 |
| Very Good (740-799) | $1,018 | $1,120 |
| Exceptional (800-850) | $962 | $1,064 |
If you're saddled with an at-fault accident, speeding ticket, reckless driving violation, or DUI on your résumé, North Star could be a better choice than GEICO. Each auto insurance company prices its policies differently, so don't be afraid to shop around to figure out which insurer is best for you.
| Citation | North Star avg. annual premium | GEICO avg. annual premium |
| At-fault accident (damage < $1,000) | $1,534 | $1,857 |
| At-fault accident (damage > $1,000) | $1,534 | $1,580 |
| DUI/DWI | $3,221 | $2,550 |
| Reckless driving | $2,339 | $2,238 |
| Speeding ticket | $1,516 | $1,395 |
Auto insurance companies rely on a driver's age as an indicator of potential risk, pricing policies accordingly. A car insurance policy is typically more expensive for drivers younger than 25 — thanks to their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company rates age brackets in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose North Star before GEICO: North Star offers average yearly savings of $770, compared to GEICO.
| Age bracket | North Star avg. annual premium | GEICO avg. annual premium |
| Teens | $2,738 | $3,508 |
| 20s | $1,454 | $1,438 |
| 30s | $1,074 | $1,438 |
| 40s | $1,074 | $1,189 |
| 50s | $825 | $1,160 |
| 60s | $822 | $1,065 |
Finances aside, North Star and GEICO each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | North Star Mutual | GEICO |
|---|---|---|
| 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 | GEICO |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A+ | N/A |
| Other Products | North Star Mutual | GEICO |
|---|---|---|
| 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 | GEICO |
|---|---|---|
| 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. | GEICO uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers. |
| 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. | You can use a mobile app to request service from GEICO's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire. |
| Additional Discounts | None Available | GEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness. |
| Recent Questions | I made two claims last year. Should I file a third? If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere. Will comprehensive insurance cover damages caused by road debris?Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris. Which insurance companies will insure a driver without a license?You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not. Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?It's possible that your agent is simply trying to keep your business. However, he may actually be correct. See More Questions | |
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