North Star vs Nationwide: Which is Better for You?

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North Star Mutual or Nationwide: Which company is best for you?

Picking an auto insurance company is sometimes difficult: rates may vary based on your driving history, location, and age, and every company's discounts vary. North Star and Nationwide are two of the most popular insurance companies, offering affordable insurance policies in most US states.

In an effort to take the sting out of shopping for car insurance, we pulled average policy prices from Nationwide and North Star. These rates cover a variety of rating factors, including credit rating, driving history, and age. Take a look at these rates and find the right policy for you.


North Star vs. Nationwide: by credit level

If you have very bad credit, Nationwide could be preferable to North Star. On average, Nationwide offers more affordable premiums than North Star for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should lean toward North Star, which typically beats Nationwide by $75 per year. Check out average insurance rates by credit score for Nationwide and North Star:

Credit score North Star avg. annual premium Nationwide avg. annual premium
Very Poor (300-579) $1,980 $1,593
Fair (580-669) $1,405 $1,262
Good (670-739) $1,256 $1,283
Very Good (740-799) $1,018 $1,109
Exceptional (800-850) $962 $1,037

North Star vs. Nationwide: by citation

If you're saddled with an at-fault collision, ticket, reckless driving violation, or DWI in your rear view mirror, North Star could be a better choice than Nationwide. Every insurance company prices policies differently after a violation, so it's worth comparing quotes to figure out which insurer suits you.

Violation North Star avg. annual premium Nationwide avg. annual premium
At-fault accident (damage < $1,000) $1,534 $1,836
At-fault accident (damage > $1,000) $1,534 $1,475
DUI/DWI $3,221 $2,691
Reckless driving $2,339 $2,508
Speeding ticket $1,516 $1,469

North Star vs. Nationwide: by age

Auto insurance companies rely on a driver's age to estimate risk, pricing premiums accordingly. An auto insurance policy is typically more expensive for teens — due to their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company prices age tiers uniquely, it's smart to shop around and find a great rate.

As a general rule, teen drivers should choose North Star instead of Nationwide: North Star offers average yearly savings of $886 versusNationwide.

Age tier North Star avg. annual premium Nationwide avg. annual premium
Teens $2,738 $3,624
20s $1,454 $1,582
30s $1,074 $1,582
40s $1,074 $1,151
50s $825 $1,114
60s $822 $1,028

Affordability aside, North Star and Nationwide each 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 Nationwide
Good Student supported
Multiple Policies supported supported
Multiple Vehicles
Anti-Theft Device(s) supported supported
Anti-Lock Brake System
Air Bags supported
Good Driver supported
Defensive Driver supported supported
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison North Star Mutual Nationwide
Financial Strength Question mark icon N/A Superior
JD Power Rankings Question mark icon N/A Average
User Satisfaction Question mark icon N/A N/A
Other Products North Star Mutual Nationwide
Boat Insurance supported
Condo Insurance supported supported
Life Insurance supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features North Star Mutual Nationwide
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. Auto Insurance from Nationwide gives you peace of mind when you're on the road. Save money without sacrificing coverage by participating in one of our usage-based discount programs, and save even more with multi-policy discounts. With our On Your Side Claims® Service, you'll get a written guarantee on repairs and a choice of qualified car repair shops you can trust.
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. Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.
Additional Discounts None Available Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.
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