North Star vs. GEICO

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

North Star Mutual vs. GEICO insurance

Average monthly car insurance rate
Driver ProfileNorth Star MutualGEICO
At-Fault Accident (past 12 months)$166$166
Good Credit (670-739)$97Save $3$100
Bad Credit (300-579)$161$158Save $3
Low-Mileage Driver (<7,500 miles/year)$97$95Save $2

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.


Compare North Star Mutual vs. GEICO auto insurance rates


North Star vs. GEICO: pricing by credit score

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 SCORE INSURANCE RATE COMPARISON: GEICO VS. NORTH STAR MUTUAL
Credit levelNorth Star avg. annual premiumGEICO 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

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

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.


HIGH-RISK INSURANCE RATE COMPARISON: GEICO VS. NORTH STAR MUTUAL
CitationNorth Star avg. annual premiumGEICO 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

North Star vs. GEICO: rates by age

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 INSURANCE RATE COMPARISON: GEICO VS. NORTH STAR MUTUAL
Age bracketNorth Star avg. annual premiumGEICO 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 ComparisonNorth Star MutualGEICO
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 ComparisonNorth Star MutualGEICO
Financial Strength SuperiorSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

N/A

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Other FeaturesNorth Star MutualGEICO
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.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 AssistanceNorth 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 DiscountsNone AvailableGEICO 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 QuestionsI 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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