Updated: September 26, 2025
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North Star Insurance earns 15th place for full coverage affordability and third for minimum liability coverage with monthly rates of $112 and $34, respectively.
The company ranks 13th nationwide for customer satisfaction, showing mixed results from agent service quality and forum reviews compared to top competitors.
North Star Insurance captures 10th place for coverage variety, providing specialty options like roadside assistance and rental car reimbursement for comprehensive protection.
North Star Insurance ranks 11th overall nationally, placing it among moderately strong best car insurance companies for most drivers. The company excels in affordability and coverage options, offering competitive rates and comprehensive protection choices.
This only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
| Overall Score | 4.51 | 11 |
| Customer Experience | 4.45 | 13 |
| Coverage | 3.33 | 10 |
| Affordability | 4.74 | 6 |
North Star Insurance is a good option for adult, young, and senior drivers, as well as for drivers with a speeding ticket who want affordable coverage. By contrast, rates are less competitive for drivers with a DUI or those with newer cars.
Below, you can compare how North Star Insurance stacks up for your unique profile.
| Overall Score | 4.19 | 20 |
North Star Insurance rates vary widely based on your profile, ranging from $34 to $2,187 monthly depending on coverage needs. To help you make the best decision, we've broken down national car insurance costs by age group, gender, coverage, credit score and driving record.
| $313 | $3,751 | 13% | 29 |
Young and senior drivers will find North Star Insurance among the cheapest car insurance companies available. Drivers with accidents, DUIs or specific vehicle ages face much higher premiums.
Review how affordable North Star Insurance is for your specific driving profile below.
| Adult Drivers | $28 | $93 | -29% | 6 |
| Drivers With A DUI | $80 | $285 | 14% | 23 |
| Drivers With An Accident | $46 | $163 | -13% | 14 |
| Drivers With A Speeding Ticket | $31 | $107 | -33% | 5 |
| Drivers With Bad Credit | $51 | $168 | -36% | 10 |
| Drivers With Low Income | $36 | $119 | -28% | 10 |
| Drivers With Newer Cars | $53 | $171 | -1% | 20 |
| Drivers With Old Cars | $29 | $96 | -17% | 13 |
| Senior Drivers | $26 | $89 | -45% | 2 |
| Young Drivers | $52 | $171 | -41% | 2 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, Adults 26 to 64, and seniors 65 and older. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.
North Star Insurance offers 8 car insurance discounts, with average savings depending on your driving profile, involvement in programs and your area. Check out its offerings:
Safe Driver | Variable | Clean driving record, no accidents or moving violations for specified period | Available in all operating states |
Multi-Vehicle | Variable | Insuring multiple vehicles on same policy | Available in all operating states |
Multi-Policy/Bundle | Variable | Having multiple policies (home, auto, business) with North Star Mutual | Available in all operating states |
Good Student | Variable | Full-time student maintaining good grades | Available in all operating states |
Anti-Theft Equipment | Variable | Vehicle equipped with qualifying anti-theft devices | Available in all operating states |
Passive Restraint | Variable | Vehicle equipped with airbags or automatic seat belts | Available in all operating states |
Defensive Driver | Variable | Completion of approved defensive driving course | Available in all operating states |
Companion Policy | Variable | When North Star also insures your business or farm | Available in all operating states |
North Star Insurance earned 13th place in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer feedback reveals the company performs well with agent service and digital tools, but claims processing generates more complaints than other areas.
Here’s how MMG performs in the buying process, policy management, and claims experience, based on our research.
Customers appreciate the competitive bundling discounts for combining home and auto policies, often noting that rates come in lower than national competitors. Some of them also report inconsistencies in agent responsiveness and availability.
North Star Insurance provides a mobile app and online portal that let customers manage policies, payments, and documents in one place. Users can review billing details, update coverage, and track claims directly online.
Still, some customers report long wait times when calling customer service and difficulty reaching representatives, with mixed experiences depending on the specific agent or office location.
North Star Mutual receives generally positive feedback for claims handling, with customers praising fast response times, thorough damage assessments, and fair settlements. Many highlight efficient processing after storms and accidents, with over 80 adjusters providing personalized service.
However, some customers report claims denials for storm damage, disputes over damage assessments, and occasional lack of communication during the claims process, particularly regarding repair authorization and vendor requirements.
North Star Insurance ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are North Star Insurance's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | aa- | aaa to d | High credit quality with superior ability to repay long-term debt |
S&P Global Financial Strength | NR (Not Rated) | AAA to D | No S&P Global rating available for this regional insurer |
Moody's Financial Strength | NR (Not Rated) | Aaa to C | No Moody's rating available for this regional insurer |
J.D. Power Auto Claims Satisfaction | NR (Not Rated) | 1,000-point scale | Not included in J.D. Power national studies (regional insurer) |
J.D. Power Digital Service Experience | NR (Not Rated) | 1,000-point scale | Not included in J.D. Power national studies (regional insurer) |
J.D. Power Auto Insurance Shopping Study | NR (Not Rated) | Out of 1,000 | Not included in J.D. Power national studies (regional insurer) |
J.D. Power Overall Customer Satisfaction | NR (Not Rated) | Out of 1,000 | Not included in J.D. Power national studies (regional insurer) |
NAIC Auto Complaints | 0.81 | 1.00 is average | Fewer complaints than expected (19% below industry average) |
Reddit users and forum members have mixed experiences with North Star Mutual Insurance, with feedback ranging from positive experiences with local agents to serious concerns about claims handling and customer service.
While some customers appreciate the competitive rates and personalized small-town service, others report major issues with claim settlements and communication.
Common complaints include North Star Mutual lowballing damage estimates, fighting legitimate claims, and contractors refusing to work with the company. Many customers praise their local independent agents but express frustration when dealing with the company directly.
Here's what real customers are saying about their experiences on forums:
General thoughts on pricing show North Star offers competitive rates initially, but customers report rate increases and disputes over claim valuations that affect overall value:
"North Star Mutual offered a more competitive price for us to combine our homeowners and auto insurance policies. The insurance agent was very easy to deal with."
"Insurance went from $6500 to over $14,000 in 3 years and NO claims. If board members were honest and not trying to self manage with no business or facility management experience."
Most customers report mixed experiences with claims, with some praising efficient handling while others describe systematic lowball tactics:
"After a storm went through our neigborhood, we had several roofing, siding, window etc. companies coming through our neighborhood. After meeting with 3, 2 of them would not even work with us due to the fact that we had North Star Mutual. One of the companies told us, no matter how this claim turns out, GET A NEW INSURANCE COMPANY."
"Power Claims pricing is far below the industries standard and was chosen by North Star so they could low ball there customers and contractors doing the repairs. I have been in this industry for 15 years and I would stay away from North Star."
Customer service experiences vary dramatically depending on whether customers work through local agents or deal with the company directly:
"My insurance agent through Smart Insurance out of Abilene Kansas is amazing! Lindsey goes above and beyond with customer service. As for dealing with North Star Mutual directly, the lady was extremely rude, acted like she was put out even having to answer questions, argumentative, would/could not explain why they were requesting over double my regular rates."
"Can never get them to answer the phone. They never called us to notify us that we need to make a payment because ours was returned and instead canceled our insurance without notifying us."
North Star's mobile app receives mixed feedback, with basic functionality but technical limitations reported by users:
"I like the app but it will only work if I'm connected to wifi it won't use my data from my phone. Will change rating if that ever gets fixed."
"Have tried logging in multiple times, over multiple app versions. It never works. Use the web platform instead and save yourself the time."
North Star Mutual maintains strong financial ratings but receives mixed customer trust feedback, particularly regarding claims handling:
"Your right, this is one of the biggest chicken *** outfit in the country. They get the estimate of damage and then want to pay you half There agents lie threw there teeth and tell you, oh you can fix the problem for half that cost."
"Northstar is a great insurance company always has your back Roy Newman is excellent has always been there for me in any incidents, whether it's rates or an accident he has your back."
North Star specializes in farm, home, auto, and business insurance with broad policy offerings, though some customers report coverage disputes:
"So far, we've been with them for several years with no problems. The rates don't skyrocket. They hold close to the usual overall rate of inflation. We've never had to file a claim with them, but we've never heard anything bad with them."
"I have had North Star Insurance for more than 25 years - on both my previous home and the one I am currently residing in. I had a water leak in my basement... 9 months of waiting to settle a tool coverage claim. Now i recieved denial letter stating i was dishonest with no reason at all."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
North Star Insurance provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company's additional add-ons include:
Rental Reimbursement | Covers the cost of rental car while your vehicle is being repaired from covered loss | |
Roadside Assistance (Towing) | 24-hour emergency roadside assistance including towing, jump-starts, flat tire service, lockout help | |
Trip Interruption | Covers lodging and meal expenses if vehicle breakdown occurs more than 100 miles from home | |
Customization Coverage | Covers aftermarket modifications and custom equipment added to your vehicle | |
Safety Glass Coverage | Covers repair or replacement of windshields and other safety glass | |
You can bundle several insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
North Star Insurance (Directly Offered) | Auto insurance, home insurance (homeowners, renters, condominiums, mobile homes, rental homes, seasonal homes), farm insurance, business insurance, umbrella insurance, motorcycles, snowmobiles, boats |
Third-Party Partner | Workers compensation (underwritten by SFM), auto insurance in Kansas (partnership with Marysville Mutual), all insurance product lines in Oklahoma (underwritten by One General Agency), homeowners insurance in Minnesota (Combination Dwelling Owners policy with Township Mutuals) |
North Star Insurance excels in affordability, customer experience and coverage, earning top rankings in these key areas. It ranked 12th overall for full coverage and first for minimum coverage. However, we recommend you compare car insurance quotes, do your own research and decide on coverage needs before buying to get the best deal.
Here are MoneyGeek's expert answers to frequently asked questions about North Star Insurance car insurance:
Yes, North Star Insurance is a legitimate car insurance company that earned our 11th overall rank in our comprehensive car insurance provider study. The insurer particularly excels in affordability, where it achieved a strong 6th place ranking among competitors.
North Star is not a top option in any state according to our study.
North Star Insurance charges adults an average of $408 annually for minimum coverage and $1,341 for full coverage. Annual rates span $407 to $4,431 for minimum and $1,336 to $15,235 for full coverage.
Some policyholders report frustration with claim denials, citing delays and disputes over coverage interpretations. Still, comprehensive data on denial patterns is limited, so these reports reflect individual experiences rather than a broader trend.
Note: This represents limited information based primarily on forum reviews.
North Star Insurance offers excellent value for drivers with speeding tickets, ranking 5th overall for affordability, but isn't ideal for those with bad credit.
Yes, North Star Insurance and other insurers regularly increase rates due to inflation impacting repair costs, rising claim frequency from distracted driving and severe weather, plus evolving risk factors in your area and personal circumstances.
North Star Insurance offers competitive rates for young drivers, ranking 2nd for overall affordability. Their monthly premiums average $52 for minimum coverage and $171 for full coverage.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
