North Star vs. Nationwide Car Insurance

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

Picking an auto insurance company is sometimes difficult: rates may vary based on your driving history, location, and age, and every company's discounts vary. North Star and Nationwide are two of the most popular insurance companies, offering affordable insurance policies in most US states.

In an effort to take the sting out of shopping for car insurance, we pulled average policy prices from Nationwide and North Star. These rates cover a variety of rating factors, including credit rating, driving history, and age. Take a look at these rates and find the right policy for you.


Compare North Star vs. Nationwide auto insurance rates


North Star vs. Nationwide: by credit level

If you have very bad credit, Nationwide could be preferable to North Star. On average, Nationwide offers more affordable premiums than North Star for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should lean toward North Star, which typically beats Nationwide by $75 per year. Check out average insurance rates by credit score for Nationwide and North Star:


RATES BY CREDIT SCORE: NATIONWIDE VS. NORTH STAR
Credit scoreNorth Star avg. annual premiumNationwide avg. annual premium
Very Poor (300-579)$1,980$1,593
Fair (580-669)$1,405$1,262
Good (670-739)$1,256$1,283
Very Good (740-799)$1,018$1,109
Exceptional (800-850)$962$1,037

North Star vs. Nationwide: high-risk insurance rate comparison

If you're saddled with an at-fault collision, ticket, reckless driving violation, or DWI in your rear view mirror, North Star could be a better choice than Nationwide. Every insurance company prices policies differently after a violation, so it's worth comparing quotes to figure out which insurer suits you.


HIGH-RISK INSURANCE RATE COMPARISON: NATIONWIDE VS. NORTH STAR
ViolationNorth Star avg. annual premiumNationwide avg. annual premium
At-fault accident (damage < $1,000)$1,534$1,836
At-fault accident (damage > $1,000)$1,534$1,475
DUI/DWI$3,221$2,691
Reckless driving$2,339$2,508
Speeding ticket$1,516$1,469

North Star vs. Nationwide: rates by age

Auto insurance companies rely on a driver's age to estimate risk, pricing premiums accordingly. An auto insurance policy is typically more expensive for teens — due to their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company prices age tiers uniquely, it's smart to shop around and find a great rate.

As a general rule, teen drivers should choose North Star instead of Nationwide: North Star offers average yearly savings of $886 versusNationwide.


AGE BRACKET INSURANCE RATE COMPARISON: NATIONWIDE VS. NORTH STAR
Age tierNorth Star avg. annual premiumNationwide avg. annual premium
Teens$2,738$3,624
20s$1,454$1,582
30s$1,074$1,582
40s$1,074$1,151
50s$825$1,114
60s$822$1,028

Affordability aside, North Star and Nationwide each 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 MutualNationwide
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 MutualNationwide
Financial Strength SuperiorSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

Other ProductsNorth Star MutualNationwide
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Renters Insurance
RV Insurance
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Other FeaturesNorth Star MutualNationwide
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.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior 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.Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.
Additional DiscountsNone AvailableNationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.
Recent QuestionsWhat's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
See More Questions
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North Star vs. Nationwide

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