Great Northern Car Insurance Review & Ratings (2023)
Great Northern Insurance provides auto, home, life, and business coverage to customers. The company has competitive rates and has been rated an A++ by A.M. Best. Additionally, Great Northern Insurance reviews show that the company provides excellent customer service. Learn more in our Great Northern Insurance review.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Jun 28, 2022
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- Great Northern Insurance sells various car insurance policies
- Great Northern Insurance offers SR-22 coverage
- Great Northern Insurance provides multiple discounts to lower rates
Great Northern is a subsidiary of Chubb Limited, selling various car insurance policies to customers. The company has competitive rates and superior financial ratings.
Discovering more about Great Northern Insurance will help you determine if it’s the right choice for you.
Before starting this Great Northern Insurance review, enter your ZIP code to find free auto insurance rates in your area.
Table of Contents
What are the Great Northern Insurance rates?
Insurance companies price auto coverages individually, so the cost of your policy depends on your specific plan.
Looking at the affordable Great Northern car insurance rates will help you find cheap insurance. The following chart shows the average Great Northern monthly and annual rates based on coverage.
| Coverage Types | Great Northern Insurance Average Monthly Car Insurance Rates | Great Northern Insurance Average Annual Car Insurance Rates |
|---|---|---|
| Comprehensive coverage | $12.53 | $150.36 |
| Collision coverage | $24.97 | $299.73 |
| Liability coverage | $43.03 | $516.39 |
| Total Full Coverage Cost | $79.58 | $954.99 |
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As you can see, comprehensive coverage is the cheapest option from Great Northern, followed by collision and liability. While a full-coverage policy includes all coverages, it’s the most expensive option.
While these average rates give you a good idea of what you can expect to spend, the actual cost depends on various factors. When determining Great Northern car insurance quotes, the company will look at your age, driving history, ZIP code, crime rates in your area, and more.
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What auto coverages are offered by Great Northern Insurance?
When you buy Great Northern car insurance, an important decision is how much coverage you need. As previously mentioned, companies price coverages individually, so this will significantly impact your rates.
Great Northern Insurance provides multiple types of auto insurance coverages. The following chart shows the options offered by the company and what each plan covers.
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver will little or no car insurance |
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States require that customers carry a minimum amount of liability coverage. The amount of necessary coverage differs depending on where the car is registered. Maintaining the minimum coverage is a way to keep your rates low.
If you finance your vehicle, the loan company might require that you have full coverage until you pay off the loan. Once you pay off the loan, you can lower your coverage. However, reducing your coverage results in less protection if you get into an accident.
If you get into multiple accidents or receive a DUI conviction, the court might require you to file an SR-22 form to get your license back. In addition to providing affordable coverage for high-risk drivers, Great Northern Insurance guides customers that need an SR-22 form.
What discounts are available from Great Northern Insurance?
Car insurance companies offer various discounts that can help you lower your rates. These discounts depend on the type of car you drive, your driving record, and your lifestyle. The following table shows the different deals offered by Great Northern Insurance.
| Car Discount | Discount Eligibility |
|---|---|
| Accident-free | Drivers with no accidents in the past three to five years. |
| Anti-lock brakes | Cars with factory-installed anti-lock brakes. |
| Anti-theft | Cars include anti-theft devices, like alarms, tracking systems, and kill switches. |
| Defensive driving | Completed approved defensive driving course. |
| Good student | High school or college students with at least a 3.0 grade point average. |
| Homeowner | Insured owns a single-family home. |
| Low mileage | Driving 5,000 to 15,000 miles per year. |
| Multi-car policy | Insure more than one car on a single auto insurance policy. |
| Multi-policy | Bundling different types of insurance. |
| Paid in full | Policy is paid in one payment. |
| Safe driver | Display safe driving habits, like having passengers wear seat belts, low driving speeds, and less aggressive driving. |
| Student away at school | College-aged children that attend college over 100 miles away and leave their car at home. |
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While Great Northern provides these popular discount options, asking for a list of deals available for you will help lower your rates.
What are the financial ratings of Great Northern Insurance?
Credit rating agencies regularly review and rate auto insurance companies. These financial ratings determine a company’s ability to provide a payout when you file a claim.
Chubb Limited, who owns Great Northern Insurance Company, has been rated A++ by A.M. Best, an AA by Fitch, and an A2 by Moody’s. While Fitch and Moody’s ratings are solid, the rating provided by A.M. Best is superior.
These ratings show that Great Northern customers can expect a payout whenever they file a claim.
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How can you cancel a Great Northern Insurance policy?
If you decide to cancel your Great Northern car insurance company policy, the process is simple. Customers can cancel policies at any time by contacting the company and informing the agent of their decision.
The agent will provide details of when the changes will take effect, and you might receive a refund of payments made. For example, if you cancel in the middle of the policy cycle, you’ll receive a refund equaling half of what you paid.
How do you file a claim with Great Northern Insurance?
Great Northern Insurance allows customers to file claims online or by calling the company. While you might be filing a claim for a Great Northern Insurance Company policy, Chubb will handle the claim.
To file a claim online, enter the portal using your Great Northern login on the Chubb website. The “Start a Personal Claims” tab will take you to a form that will allow you to cancel your policy.
You can also cancel your policy by calling the Great Northern Insurance number. The phone number to call depends on the type of claim you’re filing. The following are the numbers to help you reach the right representative.
- Personal Lines Claims Number: 1-800-252-4670
- Business Claims Number: 1-800-252-4670
- Workers Compensation Claims Number: 1-800-699-9916
- North American Business Claims Number: 1-800-433-0385
As previously stated, Chubb handles the company’s auto insurance claims. So when you call these numbers, you’ll speak with the Great Northern Insurance Company parent company.
Great Northern Insurance: The Bottom Line
Great Northern offers affordable auto insurance rates to various customers. The company also provides multiple discounts to lower rates and will help those that require an SR-22 form to recover their driver’s license.
Examining the specifics of Great Northern Insurance will help you find the best car insurance policy.
Now that you’ve learned about Great Northern Insurance, enter your ZIP code to get free auto insurance quotes in your area.