Deciding on a car insurance company can be tough: rates may vary by driving record, age, and location, and insurers offer a variety of perks. North Star and Safe Auto are among the most popular insurance companies, selling high-quality insurance policies across large swaths of the US.
To help take the sting out of shopping for car insurance, we have gathered average prices from Safe Auto and North Star. These rates cover myriad rating factors, including credit history, driving history, and age. Examine these figures and find your next car insurance policy today.
If you have extremely bad credit, North Star could be a better option for you. On average, North Star offers cheaper rates than Safe Auto for drivers with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800 or better — should favor North Star, which typically beats Safe Auto by $959 per year. Check out common insurance rates by credit score for Safe Auto and North Star below.
|Credit level||North Star avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$1,980||$3,799|
|Very Good (740-799)||$1,018||$1,937|
If you have an at-fault accident, speeding ticket, reckless driving citation, or DUI in your rear view mirror, North Star could be a better choice than Safe Auto. Every insurer has different post-violation pricing structures, so don't hesitate to shop around to figure out which insurer is best for you.
|Violation||North Star avg. annual premium||Safe Auto avg. annual premium|
|At-fault accident (damage < $1,000)||$1,534||$2,867|
|At-fault accident (damage > $1,000)||$1,534||$2,837|
Car insurance companies use age to indicate risk, pricing premiums on a sliding scale. Car insurance is typically most expensive for teen drivers — because of their inexperience — and most affordable for older drivers. Since each insurance company rates age tiers differently, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose North Star before Safe Auto: North Star offers average yearly savings of $5,524 versusSafe Auto.
|Age tier||North Star avg. annual premium||Safe Auto avg. annual premium|
Affordability aside, North Star and Safe Auto each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||North Star Mutual||Safe Auto|
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|Ratings Comparison||North Star Mutual||Safe Auto|
|JD Power Rankings||Not Rated|
|Other Products||North Star Mutual||Safe Auto|
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|Other Features||North Star Mutual||Safe Auto|
|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.||Safe Auto strives to provide affordable insurance to every driver, no matter the situation.|
|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.||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.|
|Additional Discounts||None Available||Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.|
|Recent Questions||Should I get full coverage from a less well-known insurer?|
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.See More Questions
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