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+

Other ProductsNorth Star MutualAllstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
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.
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See More Questions
Compare MoreNorth 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. SAFECO North Star Mutual vs. Safe Auto North Star Mutual vs. State FarmAllstate 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 Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate 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. Allstate

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