Choosing a car insurance company can be difficult: rates may vary based on your driving record, location, and age, and insurers offer a variety of perks. North Star and Liberty Mutual are two of the most popular insurance companies, providing high-quality coverage in most states across the US.
In an effort to make insurance shopping seamless, we pulled average policy prices from Liberty Mutual and North Star. These rates cover an array of rating factors, including credit quality, driving history, and demographics. Examine these figures and find the perfect policy for you.
If you have very poor credit, North Star could be the best option for you. Typically, North Star offers lower rates than Liberty Mutual for drivers with credit scores of less than 580. Insurance shoppers with outstanding credit — a score of 800 or better — should lean toward North Star, which typically beats Liberty Mutual by $830 per year. View common insurance costs by credit score for Liberty Mutual and North Star below.
|Credit level||North Star avg. annual premium||Liberty Mutual avg. annual premium|
|Very Poor (300-579)||$1,980||$3,228|
|Very Good (740-799)||$1,018||$1,878|
If you've got an at-fault collision, speeding violation, reckless driving violation, or DWI in your recent history, North Star could be a better choice than Liberty Mutual. Each insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to figure out which insurer suits you.
|Violation||North Star avg. annual premium||Liberty Mutual avg. annual premium|
|At-fault accident (damage < $1,000)||$1,534||$2,776|
|At-fault accident (damage > $1,000)||$1,534||$2,112|
Auto insurance companies use age to indicate risk, pricing policies accordingly. An insurance policy is often expensive for teens — thanks to their inexperience — and most affordable for middle-aged drivers. Since each insurance company prices ages in a different way, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose North Star instead of Liberty Mutual: North Star offers average yearly savings of $3,821, compared to Liberty Mutual.
|Age||North Star avg. annual premium||Liberty Mutual avg. annual premium|
Costs aside, North Star and Liberty Mutual both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||North Star Mutual||Liberty Mutual|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||North Star Mutual||Liberty Mutual|
|JD Power Rankings||N/A||Average|
|Other Products||North Star Mutual||Liberty Mutual|
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|Other Features||North Star Mutual||Liberty Mutual|
|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.||Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need.|
|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.||Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with purchase of optional Towing & Labor coverage.|
|Additional Discounts||None Available||Liberty Mutual offers additional discounts such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year.|
Why did my rate increase for a $25 towing claim?
Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.What's the difference between a vanishing deductible and accident forgiveness
Let's first summarize the two: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.See More Questions
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