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Picking an auto insurance company is sometimes difficult: rates may vary by location, vehicle, and driving record, and every company provides a different set of discounts. North Star and Allstate are two of the most popular insurance companies, offering high-quality coverage across large portions of America.
To simplify the process of comparing insurance companies, we gathered average rates from Allstate and North Star. These take into account a variety of rating factors, including credit history, driving history, and age. Take a look at these rates and find the perfect policy for you.
If you have very poor credit, North Star could be a better option for you. On average, North Star offers lower rates than Allstate for drivers with credit scores of lower than 580. Drivers with excellent credit — a score of 800-plus — should lean toward North Star, which typically beats Allstate by $781 per year. Check out typical insurance costs by credit level for Allstate and North Star below.
|Credit level||North Star avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$1,980||$3,117|
|Very Good (740-799)||$1,018||$1,820|
If you're saddled with an at-fault accident, speeding violation, reckless driving citation, or DUI on your résumé, North Star could be a better choice than Allstate. Every insurance company prices policies differently after a violation, so it's worth comparing quotes to find out which insurer is best for you.
|Infraction||North Star avg. annual premium||Allstate avg. annual premium|
|At-fault accident (damage < $1,000)||$1,534||$3,006|
|At-fault accident (damage > $1,000)||$1,534||$2,290|
Insurers use age as an indicator of potential risk, assigning rates on a sliding scale. Auto insurance is often priciest for drivers younger than 25 — due to their inexperience — and more affordable for middle-aged drivers. Because each insurance company prices age tiers in a different way, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose North Star before Allstate: North Star offers average yearly savings of $3,704, compared to Allstate.
|Age||North Star avg. annual premium||Allstate avg. annual premium|
Affordability aside, North Star and Allstate each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||North Star Mutual||Allstate|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||North Star Mutual||Allstate|
|JD Power Rankings||Not Rated|
|Other Products||North Star Mutual||Allstate|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||North Star Mutual||Allstate|
|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.||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.|
|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.||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.|
|Additional Discounts||None Available||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.|
|Recent Questions||Do I have to list my spouse as a driver?|
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. Because of your age, you might have some difficulty finding car insurance, so here is our guide to shopping for car insurance for 22-year-olds.An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.See More Questions
|Compare More||North Star Mutual vs. 21st Century North Star Mutual vs. Allied 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. Safe Auto North Star Mutual vs. Safeco North Star Mutual vs. State Farm||Allstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. Progressive Allstate vs. Root Insurance Allstate vs. Safe Auto Allstate vs. Safeco Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA|
|States Offered||Minnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas Wisconsin||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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