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 | N/A |
| 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 |
| Other Features | North Star Mutual | MetLife |
|---|---|---|
| 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. | 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 Assistance | North 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 Discounts | None Available | MetLife 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 Questions |
If 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
|
|
| Compare More | North Star Mutual vs. 21st Century North Star Mutual vs. Allied North Star Mutual vs. Allstate North Star Mutual vs. American Family North Star Mutual vs. Amica Mutual Insurance North Star Mutual vs. Auto Club (AAA) North Star Mutual vs. Erie North Star Mutual vs. Farm Bureau Mutual North Star Mutual vs. Farmers North Star Mutual vs. GEICO North Star Mutual vs. Infinity North Star Mutual vs. Liberty Mutual North Star Mutual vs. Mercury North Star Mutual vs. Nationwide North Star Mutual vs. Progressive North Star Mutual vs. Safe Auto North Star Mutual vs. Safeco North Star Mutual vs. State Farm | MetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farm Bureau Mutual MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Liberty Mutual MetLife vs. Mercury MetLife vs. Nationwide MetLife vs. Progressive MetLife vs. Safe Auto MetLife vs. Safeco MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA |
| Top States | Minnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas Wisconsin | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |