North Star vs. State Farm Car Insurance

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

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.


North Star vs. State Farm: insurance rate comparison


North Star vs. State Farm: premiums by credit level

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.


RATES BY CREDIT SCORE: STATE FARM VS. NORTH STAR
Credit levelNorth Star avg. annual premiumState Farm avg. annual premium
Very Poor (300-579)$1,980$3,522
Fair (580-669)$1,405$2,003
Good (670-739)$1,256$1,613
Very Good (740-799)$1,018$1,451
Exceptional (800-850)$962$1,260

North Star vs. State Farm: costs for high-risk drivers

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.


HIGH-RISK INSURANCE RATE COMPARISON: STATE FARM VS. NORTH STAR
ViolationNorth Star avg. annual premiumState Farm avg. annual premium
At-fault accident (damage < $1,000)$1,534$2,849
At-fault accident (damage > $1,000)$1,534$1,524
DUI/DWI$3,221$3,854
Reckless driving$2,339$2,895
Speeding ticket$1,516$1,983

North Star vs. State Farm: rates by age

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 INSURANCE RATE COMPARISON: STATE FARM VS. NORTH STAR
Age bracketNorth Star avg. annual premiumState Farm avg. annual premium
Teens$2,738$5,820
20s$1,454$2,379
30s$1,074$2,379
40s$1,074$1,587
50s$825$1,558
60s$822$1,485

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 ComparisonNorth Star MutualState Farm
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 MutualState Farm
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++

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Other FeaturesNorth Star MutualState Farm
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.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 AssistanceNorth 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 DiscountsNone AvailableState Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.
Recent QuestionsMy car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
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North Star vs. State Farm

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