North Star vs. Progressive Car Insurance

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

Choosing an auto insurance company can be hard: rates can fluctuate based on your location, vehicle, and driving record, and every company's discounts differ. North Star and Progressive are two of the most popular auto insurance companies, selling competitively priced coverage across most of the US.

To help make shopping for car insurance easier, we've gathered typical rates from Progressive and North Star. These rates cover a variety of rating factors, including credit rating, driving infractions, and age. Examine these figures and find your next car insurance policy today.


North Star vs. Progressive: insurance rate comparison


North Star vs. Progressive: rate comparison by credit level

If you have very poor credit, North Star could be the way to go. Typically, North Star offers lower rates than Progressive for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or higher — should lean toward North Star, which typically beats Progressive by $358 annually. View average insurance rates by credit level for Progressive and North Star below.


CREDIT SCORE INSURANCE RATE COMPARISON: PROGRESSIVE VS. NORTH STAR
Credit scoreNorth Star avg. annual premiumProgressive avg. annual premium
Very Poor (300-579)$1,980$3,602
Fair (580-669)$1,405$2,127
Good (670-739)$1,256$1,708
Very Good (740-799)$1,018$1,453
Exceptional (800-850)$962$1,320

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

If you're saddled with an at-fault accident, speeding ticket, reckless driving citation, or DWI on your driving résumé, North Star could be a better choice than Progressive. Each car insurance company prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: PROGRESSIVE VS. NORTH STAR
ViolationNorth Star avg. annual premiumProgressive avg. annual premium
At-fault accident (damage < $1,000)$1,534$2,720
At-fault accident (damage > $1,000)$1,534$2,245
DUI/DWI$3,221$2,201
Reckless driving$2,339$2,457
Speeding ticket$1,516$2,091

North Star vs. Progressive: rates by age bracket

Car insurance companies rely on a driver's age to estimate risk, assigning rates accordingly. Car insurance is usually expensive for teen drivers — thanks to their inexperience — and most affordable for middle-aged drivers. Since every insurance company rates ages uniquely, it's smart to shop around and find a great rate.

As a general rule, teen drivers should choose North Star over Progressive: North Star offers average yearly savings of $5,510 versusProgressive.


RATES BY AGE: PROGRESSIVE VS. NORTH STAR
Age bracketNorth Star avg. annual premiumProgressive avg. annual premium
Teens$2,738$8,248
20s$1,454$2,287
30s$1,074$2,287
40s$1,074$1,644
50s$825$1,542
60s$822$1,403

Cost aside, North Star and Progressive each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonNorth Star MutualProgressive
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 MutualProgressive
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 MutualProgressive
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Other FeaturesNorth Star MutualProgressive
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.Progressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.
Additional DiscountsNone AvailableProgressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.
Recent QuestionsDo I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
See More Questions
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North Star vs. Progressive

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