North Star vs. American Family Car Insurance

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

Picking a car insurer is complex: companies' rates differ by driving record, location, and age, and companies offer an array of discounts. North Star and American Family are counted among the US' top auto insurance companies, providing competitively priced coverage across large portions of America.

In an effort to simplify the insurance-shopping process, we've gathered average rates from American Family and North Star. These rates cover a variety of rating factors, including credit history, driving history, and age. Check out the below rates and find the perfect policy for you.


North Star vs. American Family: insurance rate comparison


North Star vs. American Family: prices by credit level

If you have very poor credit, American Family could be the way to go. Typically, American Family offers more affordable prices than North Star for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800-plus — should lean toward View common insurance costs by credit level for American Family and North Star below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: AMERICAN FAMILY VS. NORTH STAR
Credit levelNorth Star avg. annual premiumAmerican Family avg. annual premium
Very Poor (300-579)$1,980$1,931
Fair (580-669)$1,405$1,294
Good (670-739)$1,256$1,220
Very Good (740-799)$1,018$1,009
Exceptional (800-850)$962$941

North Star vs. American Family: costs for high-risk drivers

If you're dealing with an at-fault collision, ticket, reckless driving violation, or DWI on your driving résumé, North Star could be a better choice than American Family. Every insurer will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: AMERICAN FAMILY VS. NORTH STAR
CitationNorth Star avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$1,534$1,763
At-fault accident (damage > $1,000)$1,534$990
DUI/DWI$3,221$1,857
Reckless driving$2,339$1,857
Speeding ticket$1,516$1,270

North Star vs. American Family: rates by age

Insurance companies use age to outline potential risk, pricing policies on a sliding scale. Car insurance is typically expensive for teens — because of their inexperience — and most affordable for middle-aged drivers. Because each insurance company rates age brackets in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose North Star over American Family: North Star offers average yearly savings of $1,072, compared to American Family.


AGE BRACKET INSURANCE RATE COMPARISON: AMERICAN FAMILY VS. NORTH STAR
AgeNorth Star avg. annual premiumAmerican Family avg. annual premium
Teens$2,738$3,810
20s$1,454$1,685
30s$1,074$1,685
40s$1,074$1,089
50s$825$1,089
60s$822$986

Aside from finances, there are myriad pros and cons of both North Star and American Family, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonNorth Star MutualAmerican Family
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 MutualAmerican Family
Financial Strength SuperiorExcellent
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A

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Other FeaturesNorth Star MutualAmerican Family
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.American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).
Additional DiscountsNone AvailableNone Available
Recent Questions
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North Star vs. American Family

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