North Star vs. SAFECO Car Insurance

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

Deciding on an auto insurance company can be tough: every company's rates differ by location, vehicle, and driving record, and every company provides a different set of discounts. North Star and SAFECO are two of America's most popular car insurance companies, offering competitively priced policies in most states across the US.

In an effort to make shopping for car insurance easier, we pulled average policy prices from SAFECO and North Star. The below cover a variety of rating factors, including credit history, driving history, and demographics. Examine these rates and find an affordable policy today.


North Star vs. SAFECO: rate comparison


North Star vs. SAFECO: premiums by credit level

If you have very bad credit, North Star could be preferable to North Star. On average, North Star offers better premiums than SAFECO for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or higher — should lean toward North Star, which typically beats SAFECO by $693 annually. View average insurance costs by credit level for SAFECO and North Star below.


RATES BY CREDIT LEVEL: SAFECO VS. NORTH STAR
Credit levelNorth Star avg. annual premiumSAFECO avg. annual premium
Very Poor (300-579)$1,980$5,308
Fair (580-669)$1,405$2,716
Good (670-739)$1,256$1,967
Very Good (740-799)$1,018$1,871
Exceptional (800-850)$962$1,655

North Star vs. SAFECO: rates after infractions

If you're carrying an at-fault crash, speeding ticket, reckless driving violation, or DUI in your recent history, North Star could be a better choice than SAFECO. Every insurer has different post-violation pricing structures, so don't be afraid to shop around to understand which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: SAFECO VS. NORTH STAR
CitationNorth Star avg. annual premiumSAFECO avg. annual premium
At-fault accident (damage < $1,000)$1,534$2,546
At-fault accident (damage > $1,000)$1,534$1,969
DUI/DWI$3,221$2,796
Reckless driving$2,339$2,853
Speeding ticket$1,516$2,512

North Star vs. SAFECO: rates by age

Insurers rely on age as an indicator of potential risk, assigning rates accordingly. An insurance policy is usually priciest for teen drivers — thanks to their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company evaluates age tiers in a different way, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose North Star instead of SAFECO: North Star offers average yearly savings of $5,027, compared to SAFECO.


AGE BRACKET INSURANCE RATE COMPARISON: SAFECO VS. NORTH STAR
Age tierNorth Star avg. annual premiumSAFECO avg. annual premium
Teens$2,738$7,765
20s$1,454$2,566
30s$1,074$2,566
40s$1,074$2,128
50s$825$1,745
60s$822$1,687

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

Discount ComparisonNorth Star MutualSafeco
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 MutualSafeco
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+

Other ProductsNorth Star MutualSafeco
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNorth Star MutualSafeco
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.Why customers love us: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust - Safeco Insurance is a proud part of Liberty Mutual Insurance, a Fortune 100 company. Liberty Mutual is rated “A” by A.M. Best Company.
Roadside AssistanceNorth Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.Safeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional DiscountsNone AvailableSafeco is a subsidiary of Liberty Mutual and offers claim service 24/7.
Recent QuestionsWhat can I do about fixing incorrect information on my driving record?
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.
If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.
Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.
See More Questions
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North Star vs. SAFECO

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