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

You've probably seen ads offering big savings on insurance, but are North Star Mutual or State Auto right for you? Which company offers the most affordable premiums, or the most discounts? Read on to see how North Star Mutual and State Auto compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • In general, North Star Mutual offers significantly more affordable rates than State Auto
  • North Star Mutual has cheaper prices for drivers who have an at-fault accident on their record
  • State Auto offers more discounts than North Star Mutual


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

Are you in the market for a new insurance policy? 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 might have narrowed your search down to North Star Mutual or State Auto for your next policy, but between the two, which company will offer you less expensive rates?

North Star Mutual State Auto
$180$259

As you can see, State Auto is quite a bit more expensive than North Star Mutual, with premiums averaging $259 per month compared to just $180 with North Star Mutual when looking at the national average rates for auto insurance.

That being said, that doesn't necessarily mean North Star Mutual will be the cheaper option for every single driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things), so prices will vary quite a bit from person to person.

Wanting to know if North Star Mutual or State Auto 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.

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

State North Star Mutual State Auto
ND$151$162

North Star Mutual and State Auto only compete against each other in one states, with North Star Mutual offering less expensive premiums to the average driver in all of them. North Dakota has the most noticable difference, where North Star Mutual prices are more affordable than insurance rates at State Auto.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your premiums. Read on to find out more.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers?

North Star Mutual State Auto
18-year-old drivers$333$733
25-year-old drivers$162$197

Teen drivers will almost always have the most expensive car insurance prices of any group 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.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have North Star Mutual for their auto insurance pay $400 less than those who use State Auto.

However, both companies will reduce rates once you turn 25. State Auto offers the steepest reduction, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. That being said, North Star Mutual still has the lowest prices at $162 a month.

Which is the Best Company for Retired Drivers?

North Star Mutual State Auto
65+-year-old drivers$144$167

Once you approach retirement age, you'll normally enjoy the cheapest insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

So, which carrier offers the best premiums to retired drivers? North Star Mutual gets the edge here, with average rates coming in at about $144 per month compared to State Auto's $167.

Which is the Best Company for Married Drivers?

North Star Mutual State Auto
Single$199$327
Married$154$169

Did you know that car insurance prices are generally cheaper for married drivers than they are for single drivers? That's because policies for married policyholders usually cover multiple cars, which many carriers will offer you a discount for.

When it comes to relationship status, North Star Mutual is the clear winner for single policyholders, with premiums around $128 a month less expensive than State Auto, on average. But for married couples, that advantage is much less clear - North Star Mutual offers the most affordable average prices.

North Star Mutual vs. State Auto: Average Rates by Gender

North Star Mutual State Auto
Male$182$271
Female$178$247

Men are statistically more likely than women to get speeding tickets and get into accidents. That means when it comes to insurance men will typically end up paying a little more.

On average, men see rates about $4 per month higher with North Star Mutual, and nearly $25 with State Auto.

Looking at the data for each company specifically, North Star Mutual offers the cheapest average premiums for both men and women. On average, women save about $69 a month and men save around $89 with North Star Mutual compared to the average State Auto policyholder.


Find your best rate in just a few minutes


North Star Mutual or State Auto: Compare State Minimum vs. Full Coverage Rates

North Star Mutual State Auto
State Minimum*$65$149
Full Coverage**$295$369

*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. There are a bunch of different coverages that account for a range 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.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, North Star Mutual normally offers significantly more affordable prices of $65 compared to State Auto's $149. When it comes to full coverage policies with similar limits, North Star Mutual again has the edge, with policies about $75 per month less expensive than State Auto, on average.

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

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

At-fault accidents and tickets will most likely raise your premiums, but is North Star Mutual or State Auto cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

North Star Mutual State Auto
Clean Record$101$170
1 Speeding Ticket$145$218

North Star Mutual policyholders can expect their rates to go up an average of $44 a month if they get a ticket, while State Auto usually raises prices around $48 per month, on average.

Even so, North Star Mutual is generally the more affordable option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about $69 a month and drivers with a ticket can save around $73 per month with North Star Mutual.

Which Company is Best for Drivers After an Accident?

North Star Mutual State Auto
Clean Record$101$170
1 At-Fault Accident$174$269

North Star Mutual drivers who get in an accident can expect to see their rates rise by just under $75, while those who have insurance through State Auto will see about a $100 increase.

Overall, North Star Mutual offers the lowest premiums for drivers with an at-fault collision on their records, with monthly prices averaging $174 compared to State Auto Insurance's $269.

Which Company is Best for Drivers with a DUI?

North Star Mutual State Auto
Clean Record$101$170
1 DUI$299$380

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. State Auto drivers usually see a 55% increase in their insurance rates after a DUI charge, while North Star Mutual will typically climb premiums by around 66%.

If you have a DUI on your record and are looking for more affordable prices, North Star Mutual tends to be the much less expensive option with average premiums of $299 monthly compared to $380 from State Auto.


Find your best rate in just a few minutes


How does Credit Score Impact North Star Mutual and State Auto Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of policyholders.

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

Looking specifically at State Auto and North Star Mutual, which carrier has the most affordable rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

North Star Mutual State Auto
Excellent Credit Score$136$194
Good Credit Score$152$228

Which Company is Best for Drivers with Bad Credit?

North Star Mutual State Auto
Fair Credit Score$179$262
Poor Credit Score$252$353

Find your best rate in just a few minutes


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

North Star Mutual State Auto
6,000 Annual Miles$180$259
12,000 Annual Miles$180$259

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly prices? Normally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither North Star Mutual or State Auto report increasing rates for drivers with higher annual mileage figures. Still, North Star Mutual comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $180 a month for both.

North Star Mutual vs. State Auto: 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 auto insurance, but the type of area you live in can have a substantial impact as well. Typically, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the road in those areas, which increases the chances of an accident.

North Star Mutual State Auto
Urban Areas$208$317
Suburban Areas$165$236
Rural Areas$166$225

North Star Mutual tends to offer the most affordable rates 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 about $59 with North Star Mutual compared to State Auto. Drivers in suburban ZIP codes pay around $71 less with North Star Mutual compared to State Auto. In urban areas, North Star Mutual's average premiums are about $109 less than State Auto Insurance.

North Star Mutual vs. State Auto Discounts

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

But with what seems like a million different discounts out there, it can be challenging to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

In the table below, we've taken a look at all of the different discounts North Star Mutual and State Auto offer their customers so that you can see which one can save you the most money each month.

North Star Mutual State Auto
ABS Discount 
Advance Quote Discount 
Advantage Program Discount 
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
Employee Discount 
Family Discount 
Gold Plus Discount 
Good Driving Discount 
Good Student Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount
Paid In Full Discount
Passive Restraint Discount
State Auto StartUp Discount 

State Auto knocks North Star Mutual out of the park when it comes to the sheer number of discounts available, offering 18 different discounts to North Star Mutual's 18.

A couple of those are overlapping for things like anti-theft discounts, multi-policy discounts, and passive restraint discounts. State Auto also offers ABS discounts, advance quote discounts, advantage program discounts, and more that North Star Mutual does not.

On the flip side, North Star Mutual has a unique discount of its own -- a family discounts.


Find your best rate in just a few minutes


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

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. But, at the end of the day, which carrier is the best company for you and your specific profile and needs?

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

  • You haven't received any speeding tickets or been in a collision in the last few years.
  • You have above-average credit.
  • Your neighborhood is in a rural area.


State Auto might be best for you if...

  • You're looking for discounts -- State Auto has the most.

We hope this guide helps you get a better idea of the difference between North Star Mutual and State Auto. We also hope we've given you the information you need to make the best decision when it comes to your car 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 insurance -- comparing quotes from several carriers, not just North Star Mutual and State Auto. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.


Find your best rate in just a few minutes


North Star Mutual vs. State Auto FAQs

Is North Star Mutual or State Auto cheaper?

Looking just at the national average prices, North Star Mutual is the cheaper of the two carriers, offering average rates of $180 per month compared to $259 for State Auto. But North Star Mutual won't necessarily be the lowest company for everyone, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, North Star Mutual or State Auto?

Sadly, the real answer is "it depends.". No single carrier is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do North Star Mutual and State Auto offer me different rates?

Auto insurance companies take a look at quite a few different factors when calculating the rates they charge drivers. Things such as age, gender, your driving record, where you live, and sometimes even things like your credit score can all come into play. Both North Star Mutual and State Auto use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car 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, Compare.com makes 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 carriers in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be North Star Mutual or State Auto 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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes