North Star vs. SAFECO Car Insurance

Compare rates from the top car insurance companies in your area.

Location pin icon
Your information is secure.

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
Boat Insurance
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
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. Mercury North Star Mutual vs. MetLife North Star Mutual vs. Nationwide North Star Mutual vs. Progressive North Star Mutual vs. Safe Auto North Star Mutual vs. State FarmSafeco vs. 21st Century Safeco vs. Allied Safeco vs. Allstate Safeco vs. American Family Safeco vs. Amica Mutual Insurance Safeco vs. Auto Club (AAA) Safeco vs. Erie Safeco vs. Esurance Safeco vs. Farm Bureau Mutual Safeco vs. Farmers Safeco vs. Foremost Safeco vs. GEICO Safeco vs. Infinity Safeco vs. Mercury Safeco vs. MetLife Safeco vs. Nationwide Safeco vs. Progressive Safeco vs. Safe Auto Safeco vs. State Farm Safeco vs. The General Safeco vs. The Hartford Safeco vs. Titan Safeco vs. Travelers Safeco vs. USAA
States OfferedMinnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas WisconsinArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

North Star vs. SAFECO

Chevron left icon
Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
Aug 28, 2017

Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...

Why Tesla is Opting to Insure Its Own Cars
Why Tesla is Opting to Insure Its Own Cars
Apr 13, 2017

As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

The Strangest Insurance Policies We’ve Ever Heard Of
The Strangest Insurance Policies We’ve Ever Heard Of
Sep 16, 2016

At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...

It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
Jul 05, 2016

Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...

The Absurd Spectrum of Auto Insurance Fraud
The Absurd Spectrum of Auto Insurance Fraud
May 24, 2016

Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...

When Does a Little White Lie Become Insurance Fraud?
When Does a Little White Lie Become Insurance Fraud?
May 09, 2016

In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...

Why Your Auto Insurance Rates Could Be Rising This Year
Why Your Auto Insurance Rates Could Be Rising This Year
Feb 01, 2016

Rate increase? Click to find the cheapest rates on car insurance →   Lower gas prices = more road traffic...

Editorial: A Need for Transparency in Car Insurance
Editorial: A Need for Transparency in Car Insurance
Jan 26, 2016

By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...

Will Insurance Companies Turn to Social Media to Assess Your Risk?
Will Insurance Companies Turn to Social Media to Assess Your Risk?
Oct 21, 2015

In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...

Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Oct 16, 2015

The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Car Insurance Scams: Are You A Target?
Car Insurance Scams: Are You A Target?
Aug 10, 2015

Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....

Insurance Telematics USA 2015: A Conference Looking to the Future
Insurance Telematics USA 2015: A Conference Looking to the Future
Jul 07, 2015

Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....

When Traffic Tickets Cause Insurance Premiums to Rise
When Traffic Tickets Cause Insurance Premiums to Rise
Jun 30, 2015

A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...

Could Your Voting Record Affect Your Car Insurance Rates?
Could Your Voting Record Affect Your Car Insurance Rates?
Jun 12, 2015

Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...

This Guy Could Revolutionize Insurance Company Reviews
This Guy Could Revolutionize Insurance Company Reviews
Jul 24, 2014

You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...

Chevron right icon