North Star vs. Farmers Car Insurance

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

Choosing a car insurance company is sometimes difficult: the rates each insurer offers can vary widely based on your driving record, age, and location, and every company's discounts vary. North Star and Farmers are two of the most popular auto insurance companies, offering competitively priced coverage across most of the US.

To simplify the insurance-shopping process, we've gathered typical rates from Farmers and North Star. These take into consideration a number of pricing components, including credit rating, driving infractions, and age. Check out the below rates and find an affordable policy today.


North Star vs. Farmers: rate comparison


North Star vs. Farmers: by credit level

If you have extremely bad credit, North Star could be preferable to North Star. Typically, North Star offers better prices than Farmers for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800-plus — should favor North Star, which typically beats Farmers by $392 per year. Check out typical insurance rates by credit level for Farmers and North Star below.


RATES BY CREDIT SCORE: FARMERS VS. NORTH STAR
Credit levelNorth Star avg. annual premiumFarmers avg. annual premium
Very Poor (300-579)$1,980$2,633
Fair (580-669)$1,405$1,736
Good (670-739)$1,256$1,882
Very Good (740-799)$1,018$1,459
Exceptional (800-850)$962$1,354

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

If you're saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI in your recent history, North Star could be a better choice than Farmers. Every auto insurance company prices its policies differently, so it's worth comparing quotes to find out which insurance company suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: FARMERS VS. NORTH STAR
ViolationNorth Star avg. annual premiumFarmers avg. annual premium
At-fault accident (damage < $1,000)$1,534$2,334
At-fault accident (damage > $1,000)$1,534$1,699
DUI/DWI$3,221$3,239
Reckless driving$2,339$4,636
Speeding ticket$1,516$2,045

North Star vs. Farmers: rates by age bracket

Auto insurance companies use a driver's age to outline potential risk, assigning rates accordingly. An insurance policy is usually most expensive for beginning and young drivers — due to their inexperience — and more affordable for drivers aged 25 or older. Because every insurance company prices age brackets differently, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose North Star over Farmers: North Star offers average yearly savings of $3,780 versusFarmers.


AGE BRACKET INSURANCE RATE COMPARISON: FARMERS VS. NORTH STAR
Age tierNorth Star avg. annual premiumFarmers avg. annual premium
Teens$2,738$6,518
20s$1,454$2,020
30s$1,074$2,020
40s$1,074$1,511
50s$825$1,507
60s$822$1,402

Finances aside, North Star and Farmers each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonNorth Star MutualFarmers
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 MutualFarmers
Financial Strength SuperiorExcellent
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+

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Other FeaturesNorth Star MutualFarmers
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.Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim 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.Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.
Additional DiscountsNone AvailableFarmers offers an additional discount for seniors.
Recent QuestionsAre some insurance providers better suited to my needs than others to get the best rate?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
See More Questions
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North Star vs. Farmers

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