North Star vs. 21st Century Car Insurance

Compare rates from the top car insurance companies in your area.

Your information is secure.

North Star Mutual or 21st Century:
Which Company is Best for You?

Picking a car insurance company can be complicated: rates may vary based on your location, vehicle, and driving record, and companies offer an array of discounts. North Star and 21st Century are two of the most popular insurers, providing high-quality insurance policies across large portions of the US.

To help simplify the comparison process, we gathered average policy rates from 21st Century and North Star. These cover a variety of rating factors, including credit score, driving record, and age. Examine these figures and find your next car insurance policy today.


North Star vs. 21st Century: premium comparison


North Star vs. 21st Century: by credit level

If you have extremely bad credit, 21st Century could be the way to go. On average, 21st Century offers lower rates than North Star for drivers with credit scores of less than 580. Insurance shoppers with extraordinary credit — a score of 800 or better — should favor North Star, which typically beats 21st Century by $401 annually. View common insurance rates by credit level for 21st Century and North Star below.


RATES BY CREDIT LEVEL: 21ST CENTURY VS. NORTH STAR
Credit scoreNorth Star avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$1,980$1,363
Fair (580-669)$1,405$1,363
Good (670-739)$1,256$1,657
Very Good (740-799)$1,018$1,363
Exceptional (800-850)$962$1,363

North Star vs. 21st Century: rates for high-risk drivers

If you've got an at-fault accident, ticket, reckless driving violation, or DUI on your résumé, North Star could be a better choice than 21st Century. Every insurance company enacts rate penalties differently, so it's worth comparing quotes to find out which insurer is best for you.


RATES BY VIOLATION: 21ST CENTURY VS. NORTH STAR
CitationNorth Star avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$1,534$2,440
At-fault accident (damage > $1,000)$1,534$1,273
DUI/DWI$3,221$3,949
Reckless driving$2,339$3,949
Speeding ticket$1,516$1,781

North Star vs. 21st Century: rates by age

Insurers use a driver's age as an indicator of potential risk, assigning rates accordingly. Insurance is often priciest for drivers younger than 25 — because of their inexperience — and more affordable for middle-aged drivers. Because each insurance company prices ages uniquely, it's smart to shop around and find a great rate.

As a general rule, teen drivers should choose North Star over 21st Century: North Star offers average yearly savings of $2,495 versus21st Century.


RATES BY AGE BRACKET: 21ST CENTURY VS. NORTH STAR
AgeNorth Star avg. annual premium21st Century avg. annual premium
Teens$2,738$5,233
20s$1,454$1,795
30s$1,074$1,795
40s$1,074$1,313
50s$825$1,244
60s$822$1,117

Aside from finances, there are myriad pros and cons of both North Star and 21st Century, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonNorth Star Mutual21st Century
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 ComparisonNorth Star Mutual21st Century
Financial Strength SuperiorExcellent
JD Power Rankings
Not Rated out of 5
3 out of 5
User Satisfaction

A+

A+

Other ProductsNorth Star Mutual21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNorth Star Mutual21st Century
AboutNorth 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.21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.21st Century customers are automatically enrolled in the 21st Roadside Assistance program at no additional cost. 21st Roadside Assistance provides 24/7 towing, lock-out service and other emergency services, limited to five service calls per vehicle per calendar year. 21st Roadside Assistance coverage is provided for up to $75 ($80 in TX, $100 in NC) in roadside services. Service applies to labor only. Parts (tires, batteries, belts, etc.) and gasoline are not included.
Additional DiscountsNone Available21st Century offers an additional discount for seniors in select states.
Recent QuestionsCan I group multiple accidents into one claim?

I backed into a poll and damaged my rear panel and bumper last night. I also have minor scratches and ...

If my car was damaged at a gas station due to bad weather, who pays for the repair?

I was getting gas when it started to rain, and the wind was blowing really hard. A piece of metal ...

What should I do if I damaged an old car and don’t want the insurance company to total the vehicle?

My son’s friend left his vehicle parked at my house while he was on vacation. I drove it to the ...

What should I do after a minor accident?

While driving down a dark street last night I was involved in an accident where I hit someone’s car door ...

See More Questions
Compare MoreNorth Star Mutual vs. Allied North Star Mutual vs. Allstate North Star Mutual vs. American Family North Star Mutual vs. Amica Mutual Insurance North Star Mutual vs. Auto Club (AAA) North Star Mutual vs. Erie North Star Mutual vs. Farm Bureau Mutual North Star Mutual vs. Farmers North Star Mutual vs. GEICO North Star Mutual vs. Infinity North Star Mutual vs. Liberty Mutual North Star Mutual vs. Mercury North Star Mutual vs. MetLife North Star Mutual vs. Nationwide North Star Mutual vs. Progressive North Star Mutual vs. SAFECO North Star Mutual vs. Safe Auto North Star Mutual vs. State Farm21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Amica Mutual Insurance 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farm Bureau Mutual 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Liberty Mutual 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. Nationwide 21st Century vs. Progressive 21st Century vs. SAFECO 21st Century vs. Safe Auto 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAA
States OfferedMinnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas WisconsinArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

North Star vs. 21st Century

Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
Aug 28, 2017

Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...

Why Tesla is Opting to Insure Its Own Cars
Why Tesla is Opting to Insure Its Own Cars
Apr 13, 2017

As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

The Strangest Insurance Policies We’ve Ever Heard Of
The Strangest Insurance Policies We’ve Ever Heard Of
Sep 16, 2016

At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...

It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
Jul 05, 2016

Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...

The Absurd Spectrum of Auto Insurance Fraud
The Absurd Spectrum of Auto Insurance Fraud
May 24, 2016

Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...

When Does a Little White Lie Become Insurance Fraud?
When Does a Little White Lie Become Insurance Fraud?
May 09, 2016

In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...

Why Your Auto Insurance Rates Could Be Rising This Year
Why Your Auto Insurance Rates Could Be Rising This Year
Feb 01, 2016

Rate increase? Click to find the cheapest rates on car insurance →   Lower gas prices = more road traffic...

Editorial: A Need for Transparency in Car Insurance
Editorial: A Need for Transparency in Car Insurance
Jan 26, 2016

By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...

Will Insurance Companies Turn to Social Media to Assess Your Risk?
Will Insurance Companies Turn to Social Media to Assess Your Risk?
Oct 21, 2015

In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...

Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Oct 16, 2015

The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Car Insurance Scams: Are You A Target?
Car Insurance Scams: Are You A Target?
Aug 10, 2015

Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....

Insurance Telematics USA 2015: A Conference Looking to the Future
Insurance Telematics USA 2015: A Conference Looking to the Future
Jul 07, 2015

Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....

When Traffic Tickets Cause Insurance Premiums to Rise
When Traffic Tickets Cause Insurance Premiums to Rise
Jun 30, 2015

A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...

Could Your Voting Record Affect Your Car Insurance Rates?
Could Your Voting Record Affect Your Car Insurance Rates?
Jun 12, 2015

Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...

This Guy Could Revolutionize Insurance Company Reviews
This Guy Could Revolutionize Insurance Company Reviews
Jul 24, 2014

You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...