North Star vs. Amica Mutual Insurance Car Insurance

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

Picking an auto insurance company can be tough: rates may vary based on your driving record, location, and age, and every company's discounts vary. North Star and Amica are two of the US' most popular auto insurance companies, providing affordable policies across large swaths of the US.

In an effort to make insurance shopping seamless, we have collected average policy rates from Amica and North Star. These rates cover a variety of pricing factors, including credit rating, driving history, and demographics. Check out the below rates and find an affordable policy today.


Compare North Star vs. Amica auto insurance rates


North Star vs. Amica: pricing by credit score

If you have very poor credit, North Star could be the way to go. Typically, North Star offers cheaper rates than Amica for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward North Star, which typically beats Amica by $95 per year. View common insurance rates by credit tier for Amica and North Star below.


RATES BY CREDIT LEVEL: AMICA VS. NORTH STAR
Credit levelNorth Star avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$1,980$2,010
Fair (580-669)$1,405$1,389
Good (670-739)$1,256$1,352
Very Good (740-799)$1,018$1,174
Exceptional (800-850)$962$1,057

North Star vs. Amica: rates for high-risk drivers

If you are carrying an at-fault accident, speeding violation, reckless driving citation, or DUI on your record, North Star could be a better choice than Amica. Every insurer prices its policies differently, so it's worth comparing quotes to find out which insurance company suits you.


HIGH-RISK INSURANCE RATE COMPARISON: AMICA VS. NORTH STAR
ViolationNorth Star avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$1,534$1,646
At-fault accident (damage > $1,000)$1,534$1,152
DUI/DWI$3,221$3,356
Reckless driving$2,339$2,761
Speeding ticket$1,516$1,390

North Star vs. Amica: rates by age

Insurance companies use age to outline risk potential, pricing premiums accordingly. An auto insurance policy is typically priciest for young drivers — thanks to their inexperience — and most affordable for drivers aged 25 or older. Since every insurance company rates ages in a different way, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose North Star over Amica: North Star offers average yearly savings of $2,628 versusAmica.


COMPARING AUTO INSURANCE RATES BY AGE: AMICA VS. NORTH STAR
Age tierNorth Star avg. annual premiumAmica avg. annual premium
Teens$2,738$5,366
20s$1,454$1,631
30s$1,074$1,631
40s$1,074$1,151
50s$825$1,105
60s$822$1,066

Affordability aside, there are myriad pros and cons of both North Star and Amica, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonNorth Star MutualAmica Mutual Insurance
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 MutualAmica Mutual Insurance
Financial Strength SuperiorSuperior
JD Power Rankings
Not Rated out of 5
4 out of 5
User Satisfaction

A+

A+

Other ProductsNorth Star MutualAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNorth Star MutualAmica Mutual Insurance
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.At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility.
Additional DiscountsNone AvailableAmica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy.
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North Star vs. Amica Mutual Insurance

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