North Star vs. Safeco

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North Star Mutual or Safeco:
Which Company is Best for You?

Deciding on an auto insurance company can be tough: every company's rates differ by location, vehicle, and driving record, and every company provides a different set of discounts. North Star and Safeco both offer competitively priced policies in most U.S. states.

In an effort to make shopping for car insurance easier, we pulled average policy prices from Safeco and North Star. The below cover a variety of rating factors, including credit history, driving history, and demographics. Review these rates and find an affordable policy today.

 

North Star vs. Safeco: rate comparison

 

North Star vs. Safeco: premiums by credit level

If you have very bad credit, North Star could be preferable to North Star. On average, North Star offers better premiums than Safeco for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or higher — should lean toward North Star, which typically beats Safeco by $693 annually. View average insurance costs by credit level for Safeco and North Star below.

 
RATES BY CREDIT LEVEL: SAFECO VS. NORTH STAR
Credit level North Star avg. annual premium Safeco avg. annual premium
Very Poor (300-579) $1,980 $5,308
Fair (580-669) $1,405 $2,716
Good (670-739) $1,256 $1,967
Very Good (740-799) $1,018 $1,871
Exceptional (800-850) $962 $1,655
 

North Star vs. Safeco: rates after infractions

If you're carrying an at-fault crash, speeding ticket, reckless driving violation, or DUI in your recent history, North Star could be a better choice than Safeco. Every insurer has different post-violation pricing structures, so don't be afraid to shop around to understand which insurer is best for you.

 
HIGH-RISK INSURANCE RATE COMPARISON: SAFECO VS. NORTH STAR
Citation North Star avg. annual premium Safeco avg. annual premium
At-fault accident (damage < $1,000) $1,534 $2,546
At-fault accident (damage > $1,000) $1,534 $1,969
DUI/DWI $3,221 $2,796
Reckless driving $2,339 $2,853
Speeding ticket $1,516 $2,512
 

North Star vs. Safeco: rates by age

Insurers rely on age as an indicator of potential risk, assigning rates accordingly. An insurance policy is usually priciest for teen drivers — thanks to their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company evaluates age tiers in a different way, it's wise to compare rates to find coverage.

As a general rule, teen drivers should choose North Star instead of Safeco: North Star offers average yearly savings of $5,027, compared to Safeco.

 
AGE BRACKET INSURANCE RATE COMPARISON: SAFECO VS. NORTH STAR
Age tier North Star avg. annual premium Safeco avg. annual premium
Teens $2,738 $7,765
20s $1,454 $2,566
30s $1,074 $2,566
40s $1,074 $2,128
50s $825 $1,745
60s $822 $1,687
 

Cost aside, North Star and Safeco both come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount Comparison North Star Mutual Safeco
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 Safeco
Financial Strength N/A Excellent
JD Power Rankings N/A Average
User Satisfaction N/A N/A
Other Products North Star Mutual Safeco
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 Safeco
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. Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company.
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. Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional Discounts None Available Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.
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