North Star vs. Erie Car Insurance

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

Choosing a car insurance company is sometimes difficult: companies' rates vary based on your driving record, age, and location, and insurers offer a variety of perks. North Star and Erie are two of the most popular insurers, providing high-quality policies in most states.

To simplify the process of comparing insurance companies, we've collected average rates from Erie and North Star. These cover a variety of pricing factors, including credit rating, driving infractions, and demographics. Check out the below rates and find the right policy for you.


North Star vs. Erie: insurance rate comparison


North Star vs. Erie: pricing by credit score

If you have very poor credit, North Star could be a better option for you. On average, North Star offers more affordable rates than Erie for drivers with credit scores of less than 580. Insurance shoppers with outstanding credit — a score of 800-plus — should lean toward View common insurance rates by credit score for Erie and North Star below.


RATES BY CREDIT LEVEL: ERIE VS. NORTH STAR
Credit levelNorth Star avg. annual premiumErie avg. annual premium
Very Poor (300-579)$1,980$2,402
Fair (580-669)$1,405$1,040
Good (670-739)$1,256$894
Very Good (740-799)$1,018$743
Exceptional (800-850)$962$726

North Star vs. Erie: rates for drivers with bad records

If you're dealing with an at-fault crash, ticket, reckless driving violation, or DUI on your driving résumé, Erie could be a better choice than North Star. Each car insurance company prices policies differently after a violation, so it's worth comparing quotes to find out which insurer suits you.


RATES BY CITATION: ERIE VS. NORTH STAR
InfractionNorth Star avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$1,534$893
At-fault accident (damage > $1,000)$1,534$772
DUI/DWI$3,221$1,163
Reckless driving$2,339$760
Speeding ticket$1,516$747

North Star vs. Erie: rates by age

Insurers rely on a driver's age to estimate risk, pricing policies accordingly. An auto insurance policy is commonly more expensive for teens — because of their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company rates age brackets uniquely, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose Erie over North Star: the former's average annual rates are $500 less than the latter's..


RATES BY AGE BRACKET: ERIE VS. NORTH STAR
Age tierNorth Star avg. annual premiumErie avg. annual premium
Teens$2,738$2,238
20s$1,454$1,108
30s$1,074$1,108
40s$1,074$755
50s$825$692
60s$822$676

Finances aside, there are myriad pros and cons of both North Star and Erie, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonNorth Star MutualErie
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 MutualErie
Financial Strength SuperiorSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
User Satisfaction

A+

A+

Other ProductsNorth Star MutualErie
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Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNorth Star MutualErie
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.Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of 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.Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.
Additional DiscountsNone AvailableErie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.
Recent QuestionsWill Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
I was injured in a car accident two months ago, can I still file a claim?
The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed.
How long can an insurance company wait to pay out your claim?
Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout.
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
See More Questions
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North Star vs. Erie

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