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

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North Star Mutual or State Farm: Which company is best 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.

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.

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.

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.

Discount Comparison North Star Mutual State Farm
Good Student supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System
Air Bags supported supported
Good Driver supported
Defensive Driver supported supported
Student Away at School supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Ratings Comparison North Star Mutual State Farm
Financial Strength Question mark icon N/A Excellent
JD Power Rankings Question mark icon N/A Above average
User Satisfaction Question mark icon N/A N/A
Other Products North Star Mutual State Farm
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 State Farm
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. Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.
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. State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.
Additional Discounts None Available State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.
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