North Star vs. MetLife Car Insurance

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

Choosing a car insurance company can be tricky: the rates each insurer offers can vary widely based on your driving record, location, and age, and every company's discounts vary. North Star and MetLife are two of the most popular car insurance companies, selling high-quality policies across large portions of America.

In an effort to make shopping for car insurance easier, we have gathered typical insurance premiums from MetLife and North Star. These take into consideration myriad pricing components, including credit rating, driving history, and age. Take a look at these rates and find the right policy for you.


Comparing car insurance rates: North Star vs. MetLife


North Star vs. MetLife: pricing by credit score

If you have extremely bad credit, North Star could be the way to go. On average, North Star offers better rates than MetLife for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should favor North Star, which typically beats MetLife by $331 per year. Check out common insurance rates by credit score for MetLife and North Star:


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: METLIFE VS. NORTH STAR
Credit levelNorth Star avg. annual premiumMetLife avg. annual premium
Very Poor (300-579)$1,980$3,495
Fair (580-669)$1,405$2,131
Good (670-739)$1,256$1,778
Very Good (740-799)$1,018$1,517
Exceptional (800-850)$962$1,293

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

If you are dealing with an at-fault crash, speeding ticket, reckless driving citation, or DWI on your record, North Star could be a better choice than MetLife. Every insurance company enacts rate penalties differently, so it's worth comparing quotes to find out which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: METLIFE VS. NORTH STAR
ViolationNorth Star avg. annual premiumMetLife avg. annual premium
At-fault accident (damage < $1,000)$1,534$2,598
At-fault accident (damage > $1,000)$1,534$1,679
DUI/DWI$3,221$3,219
Reckless driving$2,339$3,219
Speeding ticket$1,516$2,085

North Star vs. MetLife: rates by age

Insurers use a driver's age to estimate risk, assigning rates accordingly. An insurance policy is commonly priciest for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because each insurance company rates ages differently, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose North Star instead of MetLife: North Star offers average yearly savings of $3,696 versusMetLife.


RATES BY AGE BRACKET: METLIFE VS. NORTH STAR
AgeNorth Star avg. annual premiumMetLife avg. annual premium
Teens$2,738$6,434
20s$1,454$2,457
30s$1,074$2,457
40s$1,074$1,590
50s$825$1,520
60s$822$1,414

Cost aside, North Star and MetLife each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonNorth Star MutualMetLife
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 MutualMetLife
Financial Strength SuperiorSuperior
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+

Other ProductsNorth Star MutualMetLife
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Life Insurance
Homeowners Insurance
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Other FeaturesNorth Star MutualMetLife
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.MetLife Auto & Home MyDirect’s 100% digital experience lets you easily buy and manage your policy all online – without ever speaking to an agent over the phone. It’s the first of its kind and backed by the experience of MetLife Auto & Home.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.
Additional DiscountsNone AvailableMetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have a covered loss.
Recent QuestionsWhose insurance pays for an accident after running a stop sign?
Unfortunately stop signs in parking lots are not the same as stop signs on the street when it comes to determining fault. Parking lot accidents are often difficult to assign fault for insurance companies so they may ultimately decide to cover only their own customer's damage by saying the that fault was 50/50 between the drivers.
Who is at fault if I opened my car door and it was hit by another driver?
In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies.
Will a paraphernalia charge impact my auto insurance rate?
Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself.
If I'm involved in an accident driving my grandmother's car, will the damage be covered?
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At Fault accident.
See More Questions
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North Star vs. MetLife

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