Choosing a car insurance company can be tricky: the rates each insurer offers can vary widely based on your driving record, location, and age, and every company's discounts vary. North Star and MetLife are two of the most popular car insurance companies, selling high-quality policies across large portions of America.
In an effort to make shopping for car insurance easier, we have gathered typical insurance premiums from MetLife and North Star. These take into consideration myriad pricing components, including credit rating, driving history, and age. Take a look at these rates and find the right policy for you.
If you have extremely bad credit, North Star could be the way to go. On average, North Star offers better rates than MetLife for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should favor North Star, which typically beats MetLife by $331 per year. Check out common insurance rates by credit score for MetLife and North Star:
| Credit level | North Star avg. annual premium | MetLife avg. annual premium |
| Very Poor (300-579) | $1,980 | $3,495 |
| Fair (580-669) | $1,405 | $2,131 |
| Good (670-739) | $1,256 | $1,778 |
| Very Good (740-799) | $1,018 | $1,517 |
| Exceptional (800-850) | $962 | $1,293 |
If you are dealing with an at-fault crash, speeding ticket, reckless driving citation, or DWI on your record, North Star could be a better choice than MetLife. Every insurance company enacts rate penalties differently, so it's worth comparing quotes to find out which insurer is best for you.
| Violation | North Star avg. annual premium | MetLife avg. annual premium |
| At-fault accident (damage < $1,000) | $1,534 | $2,598 |
| At-fault accident (damage > $1,000) | $1,534 | $1,679 |
| DUI/DWI | $3,221 | $3,219 |
| Reckless driving | $2,339 | $3,219 |
| Speeding ticket | $1,516 | $2,085 |
Insurers use a driver's age to estimate risk, assigning rates accordingly. An insurance policy is commonly priciest for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because each insurance company rates ages differently, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose North Star instead of MetLife: North Star offers average yearly savings of $3,696 versusMetLife.
| Age | North Star avg. annual premium | MetLife avg. annual premium |
| Teens | $2,738 | $6,434 |
| 20s | $1,454 | $2,457 |
| 30s | $1,074 | $2,457 |
| 40s | $1,074 | $1,590 |
| 50s | $825 | $1,520 |
| 60s | $822 | $1,414 |
Cost aside, North Star and MetLife each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | North Star Mutual | MetLife |
|---|---|---|
| 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 | MetLife |
|---|---|---|
| Financial Strength | N/A | Excellent |
| JD Power Rankings | N/A | Below average |
| User Satisfaction | N/A | N/A |
| Other Products | North Star Mutual | MetLife |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |