Selecting an auto insurance company is sometimes difficult: rates can fluctuate based on your driving history, location, and age, and companies offer an array of discounts. North Star and State Farm are two of America's most popular insurance companies, offering competitively priced insurance policies across most of the US.
In an effort to simplify the process of comparing insurance companies, we've gathered average costs from State Farm and North Star. The below cover a number of rating factors, including credit quality, driving behavior, and age. Take a look at these rates and find the perfect policy for you.
If you have very bad credit, North Star could be preferable to North Star. Typically, North Star offers better prices than State Farm for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward North Star, which typically beats State Farm by $298 per year. Check out average insurance costs by credit score for State Farm and North Star below.
|Credit level||North Star avg. annual premium||State Farm avg. annual premium|
|Very Poor (300-579)||$1,980||$3,522|
|Very Good (740-799)||$1,018||$1,451|
If you are dealing with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving résumé, North Star could be a better choice than State Farm. Every auto insurance company enacts rate penalties differently, so don't be afraid to shop around to understand which insurance company suits you.
|Violation||North Star avg. annual premium||State Farm avg. annual premium|
|At-fault accident (damage < $1,000)||$1,534||$2,849|
|At-fault accident (damage > $1,000)||$1,534||$1,524|
Auto insurance companies use a driver's age to outline risk potential, pricing premiums accordingly. An auto insurance policy is often priciest for young drivers — thanks to their inexperience — and relatively affordable for older drivers. Since each insurance company rates age brackets differently, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose North Star instead of State Farm: North Star offers average yearly savings of $3,082, compared to State Farm.
|Age bracket||North Star avg. annual premium||State Farm avg. annual premium|
Finances aside, North Star and State Farm each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||North Star Mutual||State Farm|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||North Star Mutual||State Farm|
|JD Power Rankings||Not Rated out of 5||3 out of 5|
|Other Products||North Star Mutual||State Farm|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||North Star Mutual||State Farm|
|About||North 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.||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.|
|Roadside Assistance||North Star Mutual offers 24-hour emergency roadside assistance, including towing, tire, battery, delivery, and locksmith services, as well as mechanical first aid.||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.|
|Additional Discounts||None Available||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.|
|Recent Questions||What’s max amount of cars allowed on state farm insurance policy?|
Will my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?
What’s the max amount of cars allowed on state farm insurance policy?...
Does state farm require you have a police report to file a claim?
I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...
One deductible for two accidents?
My son was driving(24 yes old/ 0 accidents) and served to miss a deer and hit a fire hydrant. No ...
See More Questions
Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...
|Compare More||North 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. SAFECO North Star Mutual vs. Safe Auto||State Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farm Bureau Mutual State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAA|
|States Offered||Minnesota North Dakota South Dakota Nebraska Oklahoma Iowa Kansas Wisconsin||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...