Allied Property & Casualty vs. North Star Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Allied Property & Casualty offers significantly less expensive prices than North Star Mutual
• Allied Property & Casualty offers more affordable premiums for policyholders who have a short commute
• Allied Property & Casualty offers more affordable prices for policyholders who have a clean record

Allied Property & Casualty vs. North Star Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Allied Property & Casualty or North Star Mutual as potential options, but between the two, which one has more affordable premiums for car insurance?

As you can see, Allied Property & Casualty has average rates that are about 35% per month cheaper than those from North Star Mutual when looking at the national average rates for auto insurance.

That being said, that doesn't mean Allied Property & Casualty will necessarily be less expensive than North Star Mutual for every single driver. Insurance companies vary their rates depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a variety of other factors, so premiums will vary quite a bit from person to person.

Wanting to know if Allied Property & Casualty or North Star Mutual is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Allied Property & Casualty or North Star Mutual: Average Car Insurance Rates by State

Allied Property & Casualty and North Star Mutual only compete against each other in one states, with Allied Property & Casualty offering cheaper prices to the average driver in all of them. North Dakota has the most noticable difference, where Allied Property & Casualty rates are over 20% more affordable than car insurance premiums at North Star Mutual.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your prices. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers. That's normally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use Allied Property & Casualty save nearly $100 a month compared to those who use North Star Mutual.

However, both companies will offer you dramatically lower prices by the time drivers turn 25. North Star Mutual offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Allied Property & Casualty still has the cheapest rates at $110 monthly.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you'll ever see.

So, which carrier offers the best premiums to retired drivers? Allied Property & Casualty gets the edge here, with average prices coming in at around $89 a month compared to North Star Mutual's $144.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single policyholders than they are for married drivers. That's because policies for married policyholders generally cover several cars, which many carriers will offer you a discount for.

When it comes to relationship status, Allied Property & Casualty is the clear winner for single drivers, with premiums about $63 per month cheaper than North Star Mutual, on average. The advantage for married couples with Allied Property & Casualty is also obvious, where drivers save around $60 a month.

Allied Property & Casualty vs. North Star Mutual: Average Rates by Gender

Men usually pay more for auto insurance than women. This is because men are more likely to get speeding tickets and get into accidents, which increases the chances of an insurance claim.

Men typically pay about $6 per month more than women with Allied Property & Casualty, while with North Star Mutual, the difference is closer to $4 a month.

When it comes to the cheapest rates for each gender, Allied Property & Casualty comes out on top for both men and women. On average, male drivers save about $61 per month and women save around $63 with Allied Property & Casualty compared to the average North Star Mutual policyholder.

Allied Property & Casualty or North Star Mutual: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, insurance can be pretty complicated. There are a bunch of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

In this case, North Star Mutual offers the lowest average premiums for state minimum liability limits, while Allied Property & Casualty has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $4 with North Star Mutual, while full coverage comes out to be about $150 less expensive with Allied Property & Casualty Insurance Company.

Is Allied Property & Casualty or North Star Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and accidents lead to higher prices, but which company -- Allied Property & Casualty or North Star Mutual -- has the most affordable rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their prices to go up an average of $21 a month if they get a ticket, while North Star Mutual generally raises premiums around $44 per month, on average.

However, Allied Property & Casualty is usually the more affordable option for drivers both with clean records and with a speeding ticket, offering prices that are $24 and $47 less expensive, respectively, compared to North Star Mutual.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty policyholders who get in an accident can expect to see their rates increase by over $40, while those who have insurance through North Star Mutual will see about a $75 increase.

Overall, Allied Property & Casualty offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $119 compared to North Star Mutual's $174.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. North Star Mutual drivers usually see a 66% increase in their insurance premiums after a DUI charge, while Allied Property & Casualty will normally climb rates by around 57%.

If you have a DUI on your record and are looking for more affordable prices, Allied Property & Casualty tends to be the much more affordable option with average rates of $179 per month compared to $299 from North Star Mutual.

How does Credit Score Impact Allied Property & Casualty and North Star Mutual Rates?

Did you know that many auto insurance companies take into account your credit score when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for several drivers.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

Looking at Allied Property & Casualty and North Star Mutual specifically, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty or North Star Mutual Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance cost. Generally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

In this case, neither Allied Property & Casualty or North Star Mutual report increasing premiums for drivers with higher annual mileage figures. That being said, Allied Property & Casualty comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $118 a month for both.

Allied Property & Casualty vs. North Star Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly auto insurance bill. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Allied Property & Casualty normally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $117 monthly with Allied Property & Casualty and $166 with North Star Mutual. People in suburban areas pay around $121 with Allied Property & Casualty compared to North Star Mutual's $165 per month. For drivers in urban ZIP codes, Allied Property & Casualty's average premiums are about $117 per month compared to North Star Mutual's $208.

Allied Property & Casualty vs. North Star Mutual Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've compared all of the different discounts offered by Allied Property & Casualty and North Star Mutual so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Allied Property & Casualty knocks North Star Mutual out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than North Star Mutual.

There are a couple discounts both carriers offer, but Allied Property & Casualty also offers advance quote discounts, distant student discounts, EFT discounts, and more that North Star Mutual does not.

On the flip side, North Star Mutual has a couple unique discounts of its own -- anti-theft discounts, family discounts, and paid in full discounts.

Final Thoughts: Is Allied Property & Casualty or North Star Mutual Best for You?

So, we've broken down the average rates for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the best carrier for you and your specific needs?

Allied Property & Casualty might be best for you if....

• You have an at-fault collision on your record.
• Your home is located in the suburbs.
• You have a short commute.

North Star Mutual might be best for you if...

• You want basic car insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Allied Property & Casualty and North Star Mutual. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of carriers, not just Allied Property & Casualty and North Star Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. North Star Mutual FAQs

Is Allied Property & Casualty or North Star Mutual cheaper?

Looking just at the national average premiums, Allied Property & Casualty is the more affordable of the two carriers, offering average rates of $118 a month compared to $180 for North Star Mutual. Even so, Allied Property & Casualty won't necessarily be the cheapest company for each policyholder, since there are several different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or North Star Mutual?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every driver -- it all depends on what your unique auto insurance profile looks like.

Why do Allied Property & Casualty and North Star Mutual offer me different rates?

Insurance companies take a look at quite a few different factors when determining the rates they charge policyholders. Things such as gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and North Star Mutual calculate prices differently, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if Allied Property & Casualty or North Star Mutual is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Allied Property & Casualty or North Star Mutual at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.