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

Quick Facts

• Looking at the national averages for auto insurance, Travelers offers slightly cheaper rates than North Star Mutual
• North Star Mutual offers more affordable premiums for drivers who have a speeding ticket on their driving record
• Travelers tends to be a much more affordable option for single people who will be the only person on the insurance policy

North Star Mutual or Travelers: 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 savings, 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 Travelers for your next policy, but which company has less expensive rates for car insurance?

As you can see, North Star Mutual is around $13 more a month than Travelers when looking at the national average rates for insurance.

Even so, that doesn't mean Travelers will necessarily be more affordable than North Star Mutual for every driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things), so premiums could differ drastically from person to person.

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

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

North Star Mutual and Travelers only compete against each other in one states, with North Star Mutual offering less expensive premiums to the average driver in all of them. Minnesota has the most noticable difference, where North Star Mutual prices are $8 cheaper than insurance rates at Travelers.

There's a lot more that goes into your auto insurance payment than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high rates, 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 insurance pay 6% less than those who use Travelers.

However, both companies will drop premiums by the time you turn 25. For example, average rates for North Star Mutual policyholders reduce about $150 and Travelers's premiums decrease over $200 over that time.

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 out there.

When looking at North Star Mutual and Travelers specifically, which carrier is best for retired drivers? Travelers gets the slight edge here, with average rates coming in at around $132 monthly compared to North Star Mutual's $144.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are generally more expensive for single policyholders than they are for married policyholders? This usually boils down to married drivers having several vehicles on their policy -- something quite a few insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is not very significant, with Travelers prices coming in at about 5% less than North Star Mutual's. But for married couples, the advantage is clear - Travelers has the edge when it comes to average premiums.

North Star Mutual or Travelers: Average Rates by Gender

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance carriers will often charge women less than men.

Men usually pay around 2% more per month than women with North Star Mutual, and about 6% with Travelers.

Looking at overall affordability, Travelers comes out on top for both men and women, with average rates $10 less for men and $17 cheaper for women.

North Star Mutual vs. Travelers: 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, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

When it comes to state minimum limits for liability insurance, North Star Mutual has the edge, while Travelers offers the cheapest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $45 with North Star Mutual, while full coverage comes out to be around $70 less expensive with Travelers.

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

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

It's no secret secret that speeding tickets and collisions lead to higher rates, but which company -- North Star Mutual or Travelers -- has the lowest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use North Star Mutual for their auto insurance can typically expect their monthly bill to go up about 30% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of around 20%.

But North Star Mutual has cheaper rates for drivers in both categories, offering premiums that are 21% and 9% more affordable, respectively, compared to Travelers.

Which Company is Best for Drivers After an Accident?

North Star Mutual policyholders who get in an accident can expect to see their rates climb by over 40%, while those who have insurance through Travelers will see about a 25% increase.

At the end of the day, the cheaper premiums come from Travelers, with average prices coming in at $173 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 -- normally a lot more than a collision or ticket. For example, North Star Mutual increases average rates by nearly $200 a month -- that's more than a 65% increase.

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

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

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

Looking at North Star Mutual and Travelers specifically, which carrier has the best premiums 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 North Star Mutual or Travelers Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a sizable impact on your monthly auto insurance cost? Generally, the more milage you drive, the more you can expect to pay for insurance.

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 Travelers, with policyholders who drive 6,000 miles annually paying around $5 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Travelers is the more affordable carrier.

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

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

When comparing these two companies side-by-side, Travelers usually comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $136 a month with Travelers and $166 with North Star Mutual. Drivers in suburban ZIP codes pay around $160 with Travelers compared to North Star Mutual's $165 per month. In urban areas, Travelers's average rates are about $204 per month compared to North Star Mutual's $208.

North Star Mutual vs. Travelers Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

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

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

Travelers blows North Star Mutual away when it comes to the sheer amount of discounts available, offering 25 different discounts to North Star Mutual's six.

A couple of those are overlapping for things like anti-theft discounts, multi-policy discounts, and passive restraint discounts. Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

On the other hand, North Star Mutual has a proprietary discount of their own -- a family discounts.

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

So, we've broken down the average premiums for many of the factors insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which company is the right fit for you?

Travelers might be best for you if....

• You are considering moving to another state -- undefined is only available in.
• You're looking for the carrier with the most discounts.
• You're of retirement age and want to take advantage of lower rates.

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

• You have a speeding ticket on your driving record.
• You're looking for the best premiums on liability only coverage.
• You want to save money while purchasing auto insurance for a teenager.

Hopefully, this guide has ben a valuable resource as you compare North Star Mutual and Travelers 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 car insurance policy is to compare quotes from several companies, not just North Star Mutual and Travelers. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

North Star Mutual vs. Travelers FAQs

Is North Star Mutual or Travelers cheaper?

Travelers is the less expensive of the two companies when looking at national average prices, with policies averaging $167 a month with Travelers and $180 for North Star Mutual. However, that doesn't mean Travelers will be the lowest company for every policyholder, since there are multiple different variables that come into play when it comes to your car insurance cost.

Who is better, North Star Mutual or Travelers?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for each policyholder -- it all boils down to your unique auto insurance profile.

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

Car insurance carriers use lots of different factors when calculating the premiums they charge. Things such as where you live, gender, where you park your vehicle, age, and sometimes even things like your credit score can all be used. Both North Star Mutual and Travelers use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple 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 quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't North Star Mutual or Travelers 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.