North Star vs State Farm: Which is Better for You?

Selecting an auto insurance company is sometimes difficult: rates can fluctuate based on your driving history, location, and age, and companies offer an array of discounts. North Star and State Farm are two of America's most popular insurance companies, offering competitively priced insurance policies across most of the US.

In an effort to simplify the process of comparing insurance companies, we've gathered average costs from State Farm and North Star. The below cover a number of rating factors, including credit quality, driving behavior, and age. Take a look at these rates and find the perfect policy for you.

North Star vs. State Farm: by credit level

If you have very bad credit, North Star could be preferable to North Star. Typically, North Star offers better prices than State Farm for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward North Star, which typically beats State Farm by $298 per year. Check out average insurance costs by credit score for State Farm and North Star below.

INSURER RATES BY CREDIT SCORE: STATE FARM VS. NORTH STAR MUTUAL

Credit level	North Star avg. annual premium	State Farm avg. annual premium
Very Poor (300-579)	$1,980	$3,522
Fair (580-669)	$1,405	$2,003
Good (670-739)	$1,256	$1,613
Very Good (740-799)	$1,018	$1,451
Exceptional (800-850)	$962	$1,260

North Star vs. State Farm: by citation

If you are dealing with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving résumé, North Star could be a better choice than State Farm. Every auto insurance company enacts rate penalties differently, so don't be afraid to shop around to understand which insurance company suits you.

INSURER RATES BY VIOLATION: STATE FARM VS. NORTH STAR MUTUAL

Violation	North Star avg. annual premium	State Farm avg. annual premium
At-fault accident (damage < $1,000)	$1,534	$2,849
At-fault accident (damage > $1,000)	$1,534	$1,524
DUI/DWI	$3,221	$3,854
Reckless driving	$2,339	$2,895
Speeding ticket	$1,516	$1,983

North Star vs. State Farm: by age

Auto insurance companies use a driver's age to outline risk potential, pricing premiums accordingly. An auto insurance policy is often priciest for young drivers — thanks to their inexperience — and relatively affordable for older drivers. Since each insurance company rates age brackets differently, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose North Star instead of State Farm: North Star offers average yearly savings of $3,082, compared to State Farm.

INSURER RATES BY AGE: STATE FARM VS. NORTH STAR MUTUAL

Age bracket	North Star avg. annual premium	State Farm avg. annual premium
Teens	$2,738	$5,820
20s	$1,454	$2,379
30s	$1,074	$2,379
40s	$1,074	$1,587
50s	$825	$1,558
60s	$822	$1,485

Finances aside, North Star and State Farm each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.