North Star Mutual or Progressive: Which Company is Best for You?
Choosing an auto insurance company can be hard: rates can fluctuate based on your location, vehicle, and driving record, and every company's discounts differ. North Star and Progressive are two of the most popular auto insurance companies, selling competitively priced coverage across most of the US.
To help make shopping for car insurance easier, we've gathered typical rates from Progressive and North Star. These rates cover a variety of rating factors, including credit rating, driving infractions, and age. Examine these figures and find your next car insurance policy today.
North Star Mutual vs. Progressive: rate comparison by credit level
If you have very poor credit, North Star could be the way to go. Typically, North Star offers lower rates than Progressive for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or higher — should lean toward North Star, which typically beats Progressive by $358 annually. View average insurance rates by credit level for Progressive and North Star below.
CREDIT SCORE INSURANCE RATE COMPARISON: PROGRESSIVE VS. NORTH STAR MUTUAL
| Credit score | North Star avg. annual premium | Progressive avg. annual premium |
| Very Poor (300-579) | $1,980 | $3,602 |
| Fair (580-669) | $1,405 | $2,127 |
| Good (670-739) | $1,256 | $1,708 |
| Very Good (740-799) | $1,018 | $1,453 |
| Exceptional (800-850) | $962 | $1,320 |
North Star vs. Progressive: high-risk insurance rate comparison
If you're saddled with an at-fault accident, speeding ticket, reckless driving citation, or DWI on your driving résumé, North Star could be a better choice than Progressive. Each car insurance company prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: PROGRESSIVE VS. NORTH STAR MUTUAL
| Violation | North Star avg. annual premium | Progressive avg. annual premium |
| At-fault accident (damage < $1,000) | $1,534 | $2,720 |
| At-fault accident (damage > $1,000) | $1,534 | $2,245 |
| DUI/DWI | $3,221 | $2,201 |
| Reckless driving | $2,339 | $2,457 |
| Speeding ticket | $1,516 | $2,091 |
North Star vs. Progressive: rates by age bracket
Car insurance companies rely on a driver's age to estimate risk, assigning rates accordingly. Car insurance is usually expensive for teen drivers — thanks to their inexperience — and most affordable for middle-aged drivers. Since every insurance company rates ages uniquely, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose North Star over Progressive: North Star offers average yearly savings of $5,510 versusProgressive.
RATES BY AGE: PROGRESSIVE VS. NORTH STAR MUTUAL
| Age bracket | North Star avg. annual premium | Progressive avg. annual premium |
| Teens | $2,738 | $8,248 |
| 20s | $1,454 | $2,287 |
| 30s | $1,074 | $2,287 |
| 40s | $1,074 | $1,644 |
| 50s | $825 | $1,542 |
| 60s | $822 | $1,403 |
Cost aside, North Star and Progressive each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | North Star Mutual | Progressive |
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| Good Student |
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| Ratings Comparison | North Star Mutual | Progressive |
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| Financial Strength | N/A | Superior |
| JD Power Rankings | N/A | Below average |
| User Satisfaction | N/A | N/A |
| Other Products | North Star Mutual | Progressive |
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| Other Features | North Star Mutual | Progressive |
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| 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. | Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you. |
| 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. | Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance. |
| Additional Discounts | None Available | Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company. |
| Recent Questions |
Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
See More Questions
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