North Star vs. Mercury Car Insurance

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

Choosing a car insurance company can be tough: rates can vary based on your driving history, age, and location, and every company provides a different set of discounts. North Star and Mercury are two of the nation's most popular insurance companies, providing competitively priced policies in many states.

In an effort to make insurance shopping seamless, we have collected typical premiums from Mercury and North Star. These cover a number of pricing factors, including credit quality, driving history, and age. Take a look at these rates and find the right policy for you.


North Star vs. Mercury: rate comparison


North Star vs. Mercury: by credit level

If you have very bad credit, Mercury could be preferable to North Star. Typically, Mercury offers more affordable premiums than North Star for drivers with credit scores of lower than 580. Insurance shoppers with extraordinary credit — a score of 800 or better — should lean toward North Star, which typically beats Mercury by $153 annually. View common insurance rates by credit tier for Mercury and North Star below.


RATES BY CREDIT SCORE: MERCURY VS. NORTH STAR
Credit levelNorth Star avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$1,980$1,115
Fair (580-669)$1,405$1,115
Good (670-739)$1,256$1,290
Very Good (740-799)$1,018$1,115
Exceptional (800-850)$962$1,115

North Star vs. Mercury: high-risk driver rates

If you have an at-fault accident, ticket, reckless driving violation, or DUI on your driving résumé, North Star could be a better choice than Mercury. Every auto insurance company enacts rate penalties differently, so it's worth comparing quotes to understand which insurance company suits you.


HIGH-RISK INSURANCE RATE COMPARISON: MERCURY VS. NORTH STAR
InfractionNorth Star avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$1,534$1,822
At-fault accident (damage > $1,000)$1,534$1,125
DUI/DWI$3,221$1,882
Reckless driving$2,339$1,882
Speeding ticket$1,516$1,457

North Star vs. Mercury: rates by age

Insurance companies use a driver's age as an estimator of risk, assigning rates accordingly. Car insurance is commonly priciest for teen drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company prices ages differently, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose North Star over Mercury: North Star offers average yearly savings of $679 versusMercury.


RATES BY AGE: MERCURY VS. NORTH STAR
Age tierNorth Star avg. annual premiumMercury avg. annual premium
Teens$2,738$3,417
20s$1,454$1,554
30s$1,074$1,554
40s$1,074$1,115
50s$825$1,086
60s$822$1,034

Costs aside, North Star and Mercury come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonNorth Star MutualMercury
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 MutualMercury
Financial Strength SuperiorSuperior
JD Power Rankings
Not Rated out of 5
2 out of 5
User Satisfaction

A+

A+

Other ProductsNorth Star MutualMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNorth Star MutualMercury
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.Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.Mercury offers roadside assistance as an optional addition to your policy which provides coverage 24/7 for things like reimbursement for locking keys in your car, a flat tire change, and even a tow up to the limit on your policy.
Additional DiscountsNone AvailableMercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
Recent QuestionsWhat do I do if my vehicle was totaled while parked?

My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...

Do I need a police report to file a claim?

My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...

Do I contact the other driver’s insurance company if they hit me while at the gas station?

I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...

Can I add my golf cart to my insurance policy?

I just got a shiny new golf cart. It was expensive and I want to make sure it’s covered if ...

See More Questions
Compare MoreNorth Star Mutual vs. 21st Century North Star Mutual vs. Allied North Star Mutual vs. Allstate North Star Mutual vs. American Family North Star Mutual vs. Amica Mutual Insurance North Star Mutual vs. Auto Club (AAA) North Star Mutual vs. Erie North Star Mutual vs. Farm Bureau Mutual North Star Mutual vs. Farmers North Star Mutual vs. GEICO North Star Mutual vs. Infinity North Star Mutual vs. Liberty Mutual North Star Mutual vs. MetLife North Star Mutual vs. Nationwide North Star Mutual vs. Progressive North Star Mutual vs. SAFECO North Star Mutual vs. Safe Auto North Star Mutual vs. State FarmMercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. American Family Mercury vs. Amica Mutual Insurance Mercury vs. Auto Club (AAA) Mercury vs. Erie Mercury vs. Esurance Mercury vs. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. Safe Auto Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA
States OfferedMinnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas WisconsinArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia
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North Star vs. Mercury

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