North Star vs. MetLife

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

North Star Mutual vs. MetLife insurance

Average monthly car insurance rate
Driver ProfileNorth Star MutualMetLife
At-Fault Accident (past 12 months)$166Save $76$242
Good Credit (670-739)$97Save $33$130
Bad Credit (300-579)$161$130Save $31
Low-Mileage Driver (<7,500 miles/year)$97Save $28$125

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.


Comparing car insurance rates: North Star vs. MetLife


North Star vs. MetLife: 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 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:


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: METLIFE VS. NORTH STAR MUTUAL
Credit levelNorth Star avg. annual premiumMetLife 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

North Star vs. MetLife: rates for high-risk drivers

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.


HIGH-RISK INSURANCE RATE COMPARISON: METLIFE VS. NORTH STAR MUTUAL
ViolationNorth Star avg. annual premiumMetLife 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

North Star vs. MetLife: rates by age

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.


RATES BY AGE BRACKET: METLIFE VS. NORTH STAR MUTUAL
AgeNorth Star avg. annual premiumMetLife 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 ComparisonNorth Star MutualMetLife
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 MutualMetLife
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+

A+

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Other FeaturesNorth Star MutualMetLife
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.Protect yourself and your family with custom-fit car insurance from MetLife Auto & Home®. Be covered in case of an accident or theft and save big by combining auto and home insurance. Get a quote.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses.
Additional DiscountsNone AvailableMetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year in which a driver doesn't make a claim, up to a maximum of $250 that can be put toward the deductible in the event of a covered loss.
Recent QuestionsIf I'm involved in an accident driving my grandmother's car, will the damage be covered?
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At Fault accident.
See More Questions
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