American National vs. North Star Mutual: Which Company is the Best Fit for You?

Quick Facts

• In general, American National offers significantly more affordable premiums than North Star Mutual
• American National offers more affordable prices for policyholders who live in urban areas
• American National tends to be a much less expensive option for policyholders who drive fewer than 6,000 miles annually

American National or North Star Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might have narrowed it down to American National or North Star Mutual as your top options, but between the two, which carrier will offer you cheaper rates?

As you can see, American National is quite a bit cheaper than North Star Mutual, with premiums averaging $87 a month compared to $180 with North Star Mutual when looking at the national average rates for insurance.

That being said, that doesn't necessarily mean American National will be the more affordable option for each driver. Auto insurance carriers vary their prices depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and all sorts of other factors, so premiums will change quite a bit from person to person.

Luckily, we've broken down average prices from both American National and North Star Mutual by a range of different rate factors, so read on to find out which carrier is the best for you.

American National vs. North Star Mutual: Average Car Insurance Rates by State

American National and North Star Mutual only compete against each other in one states, with American National offering cheaper rates to the average driver in all of them. Nebraska has the most noticable difference, where American National premiums are $105 less expensive than insurance prices at North Star Mutual.

There's a lot more that goes into your car insurance bill than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers out there on the road. That's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of almost 40% less per month by choosing American National over North Star Mutual.

Even so, with both companies, you'll see your premiums drop significantly once you 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, American National still has the lowest rates at $74 a month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable car insurance prices out there. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise rates.

But who has the best premiums for retired drivers between American National and North Star Mutual? American National gets the edge here, with average prices coming in at around $66 monthly compared to North Star Mutual's $144.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are typically more expensive for single drivers than they are for married couples? This usually boils down to married drivers having several vehicles on their policy -- something many car insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with American National prices coming in at about half of North Star Mutual's. The advantage for married policyholders with American National is also obvious, where drivers save nearly 60% a month.

American National or North Star Mutual: Average Rates by Gender

Because women are less likely to get speeding tickets and get into accidents, they are less likely to file a claim with insurance. So, insurance carriers will often charge women less than men.

With American National, men normally pay around $1 per month more than women, but with North Star Mutual, the difference is closer to $4 a month.

Looking at the data for each company specifically, American National offers the cheapest average rates for both men and women, with average premiums 52% less for men and 51% cheaper for women.

American National vs. 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 isn't the easiest topic to understand. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

However, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, American National has the edge, with average monthly prices coming in at $52. If you want a full coverage policy with the same state minimum limits, American National again has the edge, with policies averaging about $123 per month to North Star Mutual's $295.

Is American National or North Star Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American National for their auto insurance can usually expect their monthly bill to go up around 20% after getting a speeding ticket. North Star Mutual policyholders can expect a bit more drastic of an increase of about 30%.

Even so, American National is generally the cheaper option for drivers both with clean records and with a ticket. With American National Insurance Company, drivers with a clean record can save around $34 a month and drivers with a speeding ticket can save about $61 per month.

Which Company is Best for Drivers After an Accident?

American National drivers who get in an accident can expect to see their prices rise by just under 30%, while those who have insurance through North Star Mutual will see around a 40% increase.

At the end of the day, drivers who use American National end up with the cheaper prices after an accident, with average rates coming in at $95 compared to North Star Mutual's $174.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than a collision or ticket. North Star Mutual drivers usually see a 66% increase in their car insurance prices after a DUI charge, while American National will normally raise premiums by about 36%.

But if you end up with a DUI charge and are looking for more affordable rates, American National tends to be more affordable for the average driver, with monthly premiums coming in at around $104 to North Star Mutual's $299.

How does Credit Score Impact American National and North Star Mutual Rates?

Did you know many auto insurance carriers take into account your credit score when determining premiums? Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it might come into play for several policyholders.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the most affordable rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, American National will generally reward you the most. For policyholders with "excellent" credit scores, American National comes in nearly 62.5 less expensive. Drivers with "good" credit scores typically save about 57% with American National compared to average prices from North Star Mutual.

Which Company is Best for Drivers with Bad Credit?

American National typically offers lower rates than North Star Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 52% a month less with American National compared to North Star Mutual, and those with "poor" scores generally save an average of about 42% per month.

Is American National or North Star Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly car insurance payment. Usually, the more milage you put on your car, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much North Star Mutual charges. However, there's a small difference in monthly premiums for American National, with drivers who put 6,000 miles on their vehicle each year paying around $9 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, American National is the cheaper company.

American National or North Star Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a big role in how much you pay for auto insurance. Typically, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

American National boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, American National Insurance Company's average rates are about 50% less than North Star Mutual. People who live in suburban areas pay around 48% less with American National compared to North Star Mutual. Those in rural areas can expect to save about 56% with American National compared to North Star Mutual.

American National vs. North Star Mutual Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts American National and North Star Mutual offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

American National blows North Star Mutual away when it comes to the sheer amount of discounts available, offering 14 different discounts to North Star Mutual's six.

Both companies offer lots of the same discounts -- like anti-theft discounts, multi-policy discounts, and passive restraint discounts -- but American National also offers discounts for claim free, COVID-19 relief, distant student, and more.

On the other hand, North Star Mutual has a few proprietary discounts of their own like family discounts and paid in full discounts.

Final Thoughts: Is American National or North Star Mutual Best for You?

So, we've broken down the average premiums for many of the variables insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, is American National or North Star Mutual the right company for you and your specific profile and needs?

American National might be best for you if....

• You have received a ticket within the last few years.
• Your neighborhood is in the suburbs.
• You are purchasing your car insurance with a spouse.

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

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between American National and North Star Mutual and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just American National and North Star Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

American National vs. North Star Mutual FAQs

Is American National or North Star Mutual cheaper?

American National is the more affordable of the two companies when looking at national average prices, with policies averaging $87 per month with American National and $180 for North Star Mutual. However, that doesn't mean American National will be the most affordable company for everyone, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, American National or North Star Mutual?

Sadly, the only answer we can give you is "it depends.". No single carrier is "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do American National and North Star Mutual offer me different rates?

Car insurance carriers use a lot of different variables when calculating the premiums they charge. Things such as age, where you live, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both American National and North Star Mutual calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from many different companies.

How do I know if American National or North Star Mutual is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers 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 information once and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't American National or North Star Mutual at all, but another you hadn't even thought of!

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.