Choosing a car insurance company can be tough: rates can vary based on your driving history, age, and location, and every company provides a different set of discounts. North Star and Mercury are two of the nation's most popular insurance companies, providing competitively priced policies in many states.
In an effort to make insurance shopping seamless, we have collected typical premiums from Mercury and North Star. These cover a number of pricing factors, including credit quality, driving history, and age. Take a look at these rates and find the right policy for you.
If you have very bad credit, Mercury could be preferable to North Star. Typically, Mercury offers more affordable premiums than North Star for drivers with credit scores of lower than 580. Insurance shoppers with extraordinary credit — a score of 800 or better — should lean toward North Star, which typically beats Mercury by $153 annually. View common insurance rates by credit tier for Mercury and North Star below.
|Credit level||North Star avg. annual premium||Mercury avg. annual premium|
|Very Poor (300-579)||$1,980||$1,115|
|Very Good (740-799)||$1,018||$1,115|
If you have an at-fault accident, ticket, reckless driving violation, or DUI on your driving résumé, North Star could be a better choice than Mercury. Every auto insurance company enacts rate penalties differently, so it's worth comparing quotes to understand which insurance company suits you.
|Infraction||North Star avg. annual premium||Mercury avg. annual premium|
|At-fault accident (damage < $1,000)||$1,534||$1,822|
|At-fault accident (damage > $1,000)||$1,534||$1,125|
Insurance companies use a driver's age as an estimator of risk, assigning rates accordingly. Car insurance is commonly priciest for teen drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company prices ages differently, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose North Star over Mercury: North Star offers average yearly savings of $679 versusMercury.
|Age tier||North Star avg. annual premium||Mercury avg. annual premium|
Costs aside, North Star and Mercury come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||North Star Mutual||Mercury|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||North Star Mutual||Mercury|
|JD Power Rankings||N/A||N/A|
|Other Products||North Star Mutual||Mercury|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||North Star Mutual||Mercury|
|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.||Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.|
|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.||Mercury offers roadside assistance as an optional addition to your policy which provides coverage 24/7 for things like reimbursement for locking keys in your car, a flat tire change, and even a tow up to the limit on your policy.|
|Additional Discounts||None Available||Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!|
Can I use my roadside assistance if I'm in my friends car?
When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside companies that will allow you to use the roadside no matter whose vehicle you are in.See More Questions
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