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

Quick Facts

• Based on national averages for auto insurance, Nodak offers significantly cheaper rates than North Star Mutual
• Nodak offers more affordable average prices for drivers who have received a ticket within the last few years
• Nodak has less expensive premiums for people who are single and purchasing car insurance by yourself

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Nodak or North Star Mutual, but which company has more affordable prices for insurance?

As you can see, Nodak is quite a bit cheaper than North Star Mutual, with rates averaging $111 per month compared to $180 with North Star Mutual when looking at the national average rates for car insurance.

That being said, Nodak may not be the lowest or best option for every single driver out there. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your driving record, 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.

Wanting to know if Nodak 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.

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

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But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your rates. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. For example, 18-year-old drivers pay an average of nearly $150 less a month by choosing Nodak over North Star Mutual.

However, both companies will reduce prices by the time you turn 25. For example, average premiums for Nodak policyholders decrease almost $100 and North Star Mutual's rates drop more than $150 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Nodak and North Star Mutual? Nodak gets the edge, with premiums for drivers 65 and older over 40% cheaper than the national average for North Star Mutual.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive auto insurance rates than single policyholders. That's because policies for married drivers generally cover more than one car, which several carriers will offer you a discount for.

When it comes to relationship status, Nodak is the clear winner for single drivers, with premiums about $76 per month cheaper than North Star Mutual, on average. The advantage is also clear for married policyholders - Nodak offers the cheapest average prices.

Nodak vs. North Star Mutual: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they are more likely to file a claim with insurance. Therefore, men tend to pay more for insurance than women.

With Nodak, women typically pay around $5 a month less than men, and about $4 cheaper with North Star Mutual when compared to their male counterparts.

Looking at overall affordability, Nodak offers the lowest average premiums for both men and women, with average rates 37% less for men and 39% cheaper for women.

Nodak 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 car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Nodak generally offers significantly more affordable prices of $36 compared to North Star Mutual's $65. When it comes to full coverage policies with similar limits, Nodak again has the edge, with policies around $100 per month cheaper than North Star Mutual, on average.

Is Nodak 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.

Tickets and at-fault accidents will most likely raise your premiums, but is Nodak or North Star Mutual more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Nodak policyholders can expect their prices to go up an average of $17 a month if they get a ticket, while North Star Mutual typically raises rates about $44 per month, on average.

That being said, Nodak has less expensive premiums for drivers in both categories, offering rates that are 11% and 26% more affordable, respectively, compared to North Star Mutual.

Which Company is Best for Drivers After an Accident?

Nodak drivers who get in a collision can expect to see their prices increase by over 15%, while those who have insurance through North Star Mutual will see around a 40% increase.

Overall, Nodak offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $107 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 speeding ticket or even an accident. For example, North Star Mutual increases average prices by just under $200 a month -- that's over a 65% increase.

If you have a DUI on your record and are looking for more affordable premiums, Nodak tends to be the much cheaper option with average prices of $141 a month compared to $299 from North Star Mutual.

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

Did you know that many insurance companies take into account your credit score when calculating rates? This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it does affect many policyholders out there.

The reasoning auto insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

Looking specifically at Nodak and North Star Mutual, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Nodak 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 how much car insurance companies will charge for coverage. Typically, those who drive less will end up with less expensive premiums since there's less of a chance of getting into a collision and causing 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 small difference in monthly prices for Nodak, with policyholders who drive 6,000 miles yearly paying about $7 less each month compared to those who drive 12,000 miles annually. Still, Nodak is the more affordable option for drivers in both categories.

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

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a considerable impact as well. Generally, 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 in those areas.

When comparing these two carriers side-by-side, Nodak normally comes out as the lowest 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 save around 33% with Nodak compared to North Star Mutual. Drivers in suburban ZIP codes pay about 33% less with Nodak compared to North Star Mutual. In urban areas, Nodak Insurance Company's average prices are around 47% less than North Star Mutual.

Nodak vs. North Star Mutual Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

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

In the table below, we've compared all of the different discounts offered by Nodak and North Star Mutual so that you can see which one can save you the most money each month.

Looking at the total number of discounts, Nodak comes out ahead with nine discounts to North Star Mutual's six.

There are a couple discounts both companies offer, but Nodak also offers driver training discounts, EFT discounts, good 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 -- anti-theft discounts, family discounts, and paid in full discounts.

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

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is Nodak or North Star Mutual the right fit for you?

Nodak might be best for you if....

• You have below-average credit.
• You have above-average credit.
• You have a short drive to work everyday.

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 has ben a valuable resource as you compare Nodak and North Star Mutual and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Nodak and North Star Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Nodak vs. North Star Mutual FAQs

Is Nodak or North Star Mutual cheaper?

Looking just at the national average premiums, Nodak is the less expensive of the two companies, offering average rates of $111 per month compared to $180 for North Star Mutual. But Nodak won't necessarily be the cheapest carrier for every driver, since there are a bunch of different factors that come into play when it comes to your auto insurance cost.

Who is better, Nodak or North Star Mutual?

Sadly, the answer truly is "it depends.". No one company is necessarily "better" for each driver -- it all depends on what your unique insurance profile looks like.

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

Car insurance carriers take a look at a lot of different variables when determining the rates they charge policyholders. Factors such as gender, your driving record, where you call home, age, and sometimes even things like your credit score can all be used. Both Nodak and North Star Mutual calculate prices differently, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto 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, 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 insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Nodak 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.