North Star vs. Farm Bureau Mutual Car Insurance

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

Picking an auto insurance company can be tough: the rates each insurer offers can vary widely by driving record, age, and location, and insurers offer a variety of perks. North Star and Farm Bureau Mutual are two of America's top auto insurance companies, providing high-quality policies across large portions of the US.

In an effort to take the sting out of shopping for car insurance, we have pulled average costs from Farm Bureau Mutual and North Star. The below cover a number of pricing components, including credit quality, driving record, and demographics. Examine these rates and find an affordable policy today.


Comparing car insurance rates: North Star vs. Farm Bureau Mutual


North Star vs. Farm Bureau Mutual: pricing by credit score

If you have very poor credit, Farm Bureau Mutual could be the best option for you. On average, Farm Bureau Mutual offers lower rates than North Star for drivers with credit scores of lower than 580. Those with exceptional credit — a score of 800-plus — should consider View typical insurance rates by credit score for Farm Bureau Mutual and North Star below.


RATES BY CREDIT LEVEL: FARM BUREAU MUTUAL VS. NORTH STAR
Credit levelNorth Star avg. annual premiumFarm Bureau Mutual avg. annual premium
Very Poor (300-579)$1,980$1,780
Fair (580-669)$1,405$1,126
Good (670-739)$1,256$1,193
Very Good (740-799)$1,018$932
Exceptional (800-850)$962$863

North Star vs. Farm Bureau Mutual: rates for bad drivers

If you're saddled with an at-fault crash, speeding ticket, reckless driving violation, or DUI in your rear view mirror, Farm Bureau Mutual could be a better choice than North Star. Each insurance company has different post-violation pricing structures, so don't be afraid to shop around to find out which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: FARM BUREAU MUTUAL VS. NORTH STAR
InfractionNorth Star avg. annual premiumFarm Bureau Mutual avg. annual premium
At-fault accident (damage < $1,000)$1,534$1,224
At-fault accident (damage > $1,000)$1,534$1,294
DUI/DWI$3,221$1,850
Reckless driving$2,339$1,546
Speeding ticket$1,516$1,025

North Star vs. Farm Bureau Mutual: rates by age

Car insurance companies use age to indicate risk, assigning rates accordingly. A car insurance policy is typically more expensive for teen drivers — because of their inexperience — and most affordable for middle-aged drivers. Since every insurance company rates ages differently, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose North Star over Farm Bureau Mutual: North Star offers average yearly savings of $29 versusFarm Bureau Mutual.


RATES BY AGE BRACKET: FARM BUREAU MUTUAL VS. NORTH STAR
AgeNorth Star avg. annual premiumFarm Bureau Mutual avg. annual premium
Teens$2,738$2,767
20s$1,454$1,545
30s$1,074$984
40s$1,074$961
50s$825$866
60s$822$870

Aside from affordability, North Star and Farm Bureau Mutual each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonNorth Star MutualFarm Bureau Mutual
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 MutualFarm Bureau Mutual
Financial Strength SuperiorExcellent
JD Power Rankings Not RatedNot Rated
User Satisfaction

A+

A

Other ProductsNorth Star MutualFarm Bureau Mutual
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNorth Star MutualFarm Bureau Mutual
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.Farm Bureau Mutual of Iowa focuses on building trusted relationships and helping you protect what matters most, so they can help you find the right products at the right time as you work to achieve your goals.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.Farm Bureau Mutual offers 24/7 roadside assistance to members at no added expense. The company's Emergency Roadside Assistance coverage includes up to $100 for emergency service nationwide.
Additional DiscountsNone AvailableNone Available
Recent Questions
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States OfferedMinnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas WisconsinArizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota Utah
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North Star vs. Farm Bureau Mutual

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