North Star vs Progressive: Which is Better for You?

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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: 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 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: by citation

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.

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: by age

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.

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
Good Student supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported
Anti-Lock Brake System
Air Bags supported
Good Driver
Defensive Driver supported
Student Away at School supported
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage
Ratings Comparison North Star Mutual Progressive
Financial Strength Question mark icon N/A Superior
JD Power Rankings Question mark icon N/A Below average
User Satisfaction Question mark icon N/A N/A
Other Products North Star Mutual Progressive
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 supported
Other Features North Star Mutual Progressive
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.
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