North Star vs. Allstate Car Insurance

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North Star Mutual or Allstate:
Which Company is Best for You?

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.


North Star vs. Allstate: insurance rate comparison


North Star vs. Allstate: by credit level

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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: ALLSTATE VS. NORTH STAR
Credit levelNorth Star avg. annual premiumAllstate avg. annual premium
Very Poor (300-579)$1,980$3,117
Fair (580-669)$1,405$2,162
Good (670-739)$1,256$2,021
Very Good (740-799)$1,018$1,820
Exceptional (800-850)$962$1,743

North Star vs. Allstate: high-risk insurance rate comparison

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.


RATES BY VIOLATION: ALLSTATE VS. NORTH STAR
InfractionNorth Star avg. annual premiumAllstate avg. annual premium
At-fault accident (damage < $1,000)$1,534$3,006
At-fault accident (damage > $1,000)$1,534$2,290
DUI/DWI$3,221$3,637
Reckless driving$2,339$3,388
Speeding ticket$1,516$2,256

North Star vs. Allstate: rates by age bracket

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.


COMPARING AUTO INSURANCE RATES BY AGE: ALLSTATE VS. NORTH STAR
AgeNorth Star avg. annual premiumAllstate avg. annual premium
Teens$2,738$6,442
20s$1,454$2,636
30s$1,074$2,636
40s$1,074$1,912
50s$825$1,893
60s$822$1,768

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 ComparisonNorth Star MutualAllstate
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 MutualAllstate
Financial Strength SuperiorSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

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Other FeaturesNorth Star MutualAllstate
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.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 AssistanceNorth 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 DiscountsNone AvailableAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
Recent QuestionsDo 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.
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
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North Star vs. Allstate

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