North Star vs. Auto Club (AAA) Car Insurance

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North Star Mutual or Auto Club (AAA):
Which Company is Best for You?

Picking a car insurance company can be hard: companies' rates may vary based on your driving history, age, and location, and every company's discounts vary. North Star and Auto Club (AAA) are two of the most popular car insurance companies, providing high-quality coverage across many states.

In an effort to make insurance shopping seamless, we have collected average rates from Auto Club (AAA) and North Star. These take into consideration a variety of rating factors, including credit history, driving infractions, and demographics. Take a look at these rates and find an affordable policy today.


Compare North Star vs. Auto Club (AAA) auto insurance rates


North Star vs. Auto Club (AAA): pricing by credit score

If you have very poor credit, North Star could be preferable to North Star. On average, North Star offers lower premiums than Auto Club (AAA) for drivers with credit scores of lower than 580. Insurance shoppers with excellent credit — a score of 800-plus — should lean toward North Star, which typically beats Auto Club (AAA) by $1,852 per year. Check out typical insurance rates by credit level for Auto Club (AAA) and North Star below.


CREDIT SCORE INSURANCE RATE COMPARISON: AUTO CLUB (AAA) VS. NORTH STAR
Credit scoreNorth Star avg. annual premiumAuto Club (AAA) avg. annual premium
Very Poor (300-579)$1,980$6,569
Fair (580-669)$1,405$4,023
Good (670-739)$1,256$3,723
Very Good (740-799)$1,018$3,004
Exceptional (800-850)$962$2,814

North Star vs. Auto Club (AAA): high-risk driver rates

If you've got an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving résumé, North Star could be a better choice than Auto Club (AAA). Every insurance company prices policies differently after a violation, so it's worth comparing quotes to figure out which insurer suits you.


RATES BY CITATION: AUTO CLUB (AAA) VS. NORTH STAR
InfractionNorth Star avg. annual premiumAuto Club (AAA) avg. annual premium
At-fault accident (damage < $1,000)$1,534$4,078
At-fault accident (damage > $1,000)$1,534$4,002
DUI/DWI$3,221$5,530
Reckless driving$2,339$5,530
Speeding ticket$1,516$4,078

North Star vs. Auto Club (AAA): rates by age

Insurers use a driver's age as an estimator of risk, pricing premiums on a sliding scale. An insurance policy is usually most expensive for teen drivers — thanks to their inexperience — and more affordable for drivers aged 25 or older. Because every car insurance company evaluates ages in a different way, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose North Star over Auto Club (AAA): North Star offers average yearly savings of $7,518, compared to Auto Club (AAA).


COMPARING AUTO INSURANCE RATES BY AGE: AUTO CLUB (AAA) VS. NORTH STAR
Age bracketNorth Star avg. annual premiumAuto Club (AAA) avg. annual premium
Teens$2,738$10,256
20s$1,454$4,644
30s$1,074$4,644
40s$1,074$3,195
50s$825$3,083
60s$822$2,887

Cost aside, there are myriad pros and cons of both North Star and Auto Club (AAA), including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonNorth Star MutualAuto Club (AAA)
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 MutualAuto Club (AAA)
Financial Strength SuperiorGood
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
User Satisfaction

A+

N/A

Other ProductsNorth Star MutualAuto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNorth Star MutualAuto Club (AAA)
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.Auto Club provides its customers with customizable payment options, competitive rates and excellent features.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.
Additional DiscountsNone AvailableAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.
Recent QuestionsDoes roadside assistance cover people not on your policy

How can I get roadside insurance coverage that covers anyone who drives my car? Cover the car, any driver, not ...

Customer service for AAA roadside assistance only versus AAA auto insurance?

Is someone who has AAA Roadside assistance with AAA as valuable to AAA as someone who has automobile insurance through ...

What do I do if my vehicle was totaled while parked?

My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...

What steps do I need to take to gift a car to my son in Texas?

I am in the process of giving my son a 1999 Lincoln Towncar. What do we need to do to ...

See More Questions
Compare MoreNorth Star Mutual vs. 21st Century North 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. 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 FarmAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) 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. Auto Club (AAA)

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