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

Quick Facts

• Based on national averages for insurance, Emc offers significantly more affordable rates than North Star Mutual
• Emc offers more affordable prices for couples purchasing car insurance together
• Emc has cheaper premiums for drivers who have received a ticket within the last few years

Emc vs. North Star Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Emc or North Star Mutual as potential options, but which one will save you the most?

As you can see, Emc has average rates that are about 60% per month less expensive than those from North Star Mutual when looking at the national average rates for insurance.

But that doesn't mean Emc will necessarily be cheaper than North Star Mutual for each driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your age, where you call home, or even your credit score (among other things). So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

So, if you want to find out which of Emc or North Star Mutual is really the best for you, keep reading to see average rates for each company broken down by a range of different rate factors.

Emc or North Star Mutual: Average Car Insurance Rates by State

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There's a lot more that goes into your insurance payment than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any group out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Emc over North Star Mutual.

Even so, both carriers will drop rates by the time drivers turn 25. For example, average prices for Emc policyholders decrease almost 45% and North Star Mutual's rates reduce more than 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can increase prices.

But who has the best rates for retired drivers between Emc and North Star Mutual? Emc gets the edge, with premiums for drivers 65 and older $96 more affordable than the national average for North Star Mutual.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive car insurance rates than those who are single. This usually boils down to married drivers having more than one car on their policy -- something many auto insurance companies will reward with discounts.

When it comes to relationship status, Emc is the clear winner for single drivers, with prices around $117 per month cheaper than North Star Mutual, on average. For married couples, the advantage is clear again - Emc has the edge when it comes to average premiums.

Emc vs. North Star Mutual: Average Rates by Gender

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

Typically, women see rates about $7 a month more affordable with Emc, and around $4 with North Star Mutual.

Looking at the data for each carrier specifically, Emc comes out as the most affordable option for both genders. On average, male drivers save about $107 per month and women save about $110 with Emc compared to the average North Star Mutual policyholder.

Emc 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.

It's no secret that insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum liability limits, Emc generally offers significantly cheaper premiums of $24 compared to North Star Mutual's $65. When it comes to full coverage policies with similar limits, Emc again has the edge, with policies around $200 a month less expensive than North Star Mutual, on average.

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

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Collisions and tickets will most likely raise your premiums, but is Emc or North Star Mutual more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Emc policyholders can expect their prices to go up an average of $3 per month if they get a ticket, while North Star Mutual typically raises rates about $44 a month, on average.

That being said, Emc tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering premiums that are 34% and 52% cheaper, respectively, compared to North Star Mutual.

Which Company is Best for Drivers After an Accident?

Emc drivers who get in a collision can expect to see their rates climb by $7, while those who have insurance through North Star Mutual will see around a $75 increase.

Overall, drivers who use Emc end up with the cheaper prices after an accident, with monthly prices averaging $74 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 an accident. For example, North Star Mutual increases average premiums by just under $200 per month -- that's over a 65% increase.

If you have a DUI on your record and are looking for more affordable rates, Emc tends to be the much more affordable option with average prices of $74 monthly compared to $299 from North Star Mutual.

How does Credit Score Impact Emc and North Star Mutual Rates?

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

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which company offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Emc 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 rates. That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

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 significant difference in monthly premiums for Emc, with policyholders who drive the least paying about $15 less each month compared to those who drive 12,000 miles every year. Still, Emc is the less expensive option for drivers in both categories.

Emc vs. North Star Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a sizable role in how much you pay for insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Emc boasts the cheapest average premiums 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 save around 59% with Emc compared to North Star Mutual. Drivers in suburban ZIP codes pay about 56% less with Emc compared to North Star Mutual. In urban areas, EMC Insurance's average prices are around 64% less than North Star Mutual.

Emc vs. North Star Mutual Discounts

Regardless of why you might be in the market for a new 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.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Emc and North Star Mutual so that you can see which carrier can save you the most money each month.

Emc knocks North Star Mutual out of the park when it comes to the sheer number of discounts available, offering seven more discounts than North Star Mutual.

There are a couple discounts both companies offer, but Emc also offers ABS discounts, advance quote discounts, distant student discounts, and more that North Star Mutual does not.

On the flip side, North Star Mutual has a couple unique discounts of its own -- discounts for being a defensive driver, family discounts, and paid in full discounts.

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

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the right company for you and your specific needs?

Emc might be best for you if....

• You have less-than-stellar credit.
• You're looking for more protection with "full coverage" car insurance.
• You're buying insurance for a teen and looking for a wallet-friendly option.

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

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

We hope this guide helps you get a good idea of the differences between Emc and North Star Mutual and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Emc and North Star Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Emc vs. North Star Mutual FAQs

Is Emc or North Star Mutual cheaper?

Looking just at the national average rates, Emc is the more affordable of the two companies, offering average rates of $71 a month compared to $180 for North Star Mutual. But Emc won't necessarily be the lowest carrier for each policyholder, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Emc or North Star Mutual?

Unfortunately, the answer truly is "it depends.". Neither company is necessarily "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Emc and North Star Mutual offer me different rates?

Insurance carriers take a look at quite a few different factors when determining the prices they charge drivers. Variables such as where you park your vehicle, age, gender, where you call home, and sometimes even things like your credit score can all be used. Both Emc and North Star Mutual use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Emc 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.