North Star Mutual Property & Casualty Insurance Review & Ratings (2022)

North Star Mutual provides farm insurance, personal and commercial auto insurance, home insurance, business insurance, and umbrella insurance. Its policies come with various add-on coverages that make it easy to customize your policy. In addition, North Star Mutual may have reasonable rates for young drivers, people with bad credit, or drivers with an at-fault accident on their record. However, it would be best to compare your options before deciding.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jan 31, 2022

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Company Details
Address: 269 Barstad Road S
City: Cottonwood
State: MN
ZIP Code: 56229
Phone Number: (507) 423-6262
Year Founded: 1920
AM Best Rating: A+
Company Rating 0 (0 reviews)

North Star Mutual Insurance Company was founded in 1920 as North Star Farmer’s Mutual. It originally only offered crop protection insurance, but has since expanded to offer farm property insurance, car insurance, home insurance, and more. 

Because North Star is a mutual insurance company, policyholders are also stakeholders who benefit from the company’s earnings with lower rates. Read our full North Star Mutual insurance review below to learn if its right for you.

If you would like to compare your existing North Star Mutual insurance rates to rates from other companies, enter your ZIP code into our free quote comparison tool above to find companies near you.

What kinds of insurance does North Star Mutual Insurance Company have?

North Star Mutual sells farm insurance, auto insurance, home insurance, business insurance, and umbrella insurance.

North Star Mutual farm insurance provides coverage that protects your farm, whether it functions as a home, business, or both. The policy will cover dwellings and farm structures, personal property linked to the home or farm, livestock, farm liability, and umbrella liability.

Other coverages that can be added to your farm insurance include sewer, drain, and sump system coverage, refrigerated food products coverage, farm operation records coverage, peak season coverage, livestock coverage, farm pollution/clean-up coverage, and many more. Discounts include new home discounts, security device discounts, multi-policy discounts, and higher deductible discounts.

North Star Mutual car insurance is available for personal and commercial needs. A personal policy will cover cars and other passenger vehicles, antique and classic cars, motor homes, trailers, motorcycles, and more. Basic coverages include liability, medical payments, personal injury protection, collision, comprehensive, and uninsured/underinsured motorist coverage.

Other coverages for a personal policy include rental reimbursement, roadside assistance, customization coverage, and glass coverage. Other coverages for a commercial auto insurance policy include non-owners auto coverage, miscellaneous coverage, and more. Discounts include anti-theft device discounts, passive restraint discounts, defensive driver discounts, and multi-policy discounts.

North Star Mutual home insurance will cover structures and property for homeowners and renters. Add-on coverages include sewer, drain, and sump system coverage, identity fraud expense coverage, expanded replacement coverage, watercraft liability, and more. Discounts include mature owner discounts, new home discounts, security device discounts, multi-policy discounts, and more.

North Star Mutual business insurance will cover commercial buildings, business personal property, commercial liability, umbrella liability, workers compensation, employment practices liability, and cyber liability. Its specialty business policies are for business owners, churches, contractors, and garages.

North Star Mutual umbrella insurance will expand the policy limits on your other insurance policies. North Star provides up to $5 million in liability, personal injury coverage, and optional uninsured/underinsured motorist coverage.

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How much is North Star Mutual insurance?

Unfortunately, we were only able to find North Star Mutual insurance rates for its personal auto insurance policies. Let’s begin by looking at these rates below:

North Star Mutual Auto Insurance Rates by Age
AgeNorth Star Mutual Average Annual Auto Insurance Rates
19 and under$2,738
20-29$1,454
30-39$1,074
40-49$1,074
50-59$825
60-69$822
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While we couldn’t find rates specifically from North Star Mutual, we can show you some average rates to give you an idea of what you might pay for some of North Star’s insurance policies. For example, below are some average home insurance rates by coverage amount:

Average Home Insurance Rates by Coverage Amount
Coverage Limit RangeAverage Monthly Home Insurance Rates
$49,999 and Under$54
$50,000 to $74,999$62
$75,000 to $99,000$69
$100,000 to $124,999$74
$125,000 to $149,999$78
$150,000 to $174,999$82
$175,000 to $199,999$85
$200,000 to $299,999$93
$300,000 to $399,000$106
$400,000 to $499,000$124
$500,000 and Above$179
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Finally, below are some sample rates for farm insurance:

Average Farm Insurance Rates by Coverage Type
Farm Insurance Coverage TypeAverage Rates
Farm Machinery and Equipment$15 per $1,000 of value per year
Animal Mortality2.5% to 5% of the animal's value per year
Workers Compensation$936 per year
Total cost for small farm$2,000-$4,000 per year
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Keep in mind that all of your insurance rates can vary based on many different factors, including your demographics, location, the value of the property you are insuring, and more.

What are North Star Mutual’s industry ratings?

North Star Mutual Insurance Company has an A+ rating from A.M. Best, which means that it has a superior ability to meet its financial obligations. Its long-term issuer credit rating is aa-, which means that it has a superior ability to repay its long-term debt.

North Star’s NAIC complaint index is 0.81. Compared to the national average of 1.00, North Star’s rating indicates that it gets fewer complaints than companies of a similar size. However, the few North Star Mutual insurance reviews that can be found online show that some customer service representatives and claims adjusters are very helpful.

North Star has a BBB rating of A+.

How do I file a claim or get quotes?

The process for filing a claim with North Star Mutual is straightforward. For most types of claims, you should contact your North Star Mutual agent to have them walk you through the process. However, if you have an after-hours emergency claim, you can call (800) 622-5230. In addition, you can call (888) 266-7847 for auto glass repairs. There is no North Star Mutual insurance login for customers to monitor their claims.

Unfortunately, North Star Mutual insurance quotes are not available through the company’s website. Therefore, you will have to find an agent near you that sells North Star Mutual insurance. 

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How do I contact North Star Mutual?

North Star Mutual is located at 269 Barstad Road S, PO Box 48, Cottonwood, MN 56229. The phone number is (800) 622-5230 or (507) 423-6262. The North Star Mutual fax number is (507) 423-6323.

General questions can be sent to [email protected] However, North Star Mutual Insurance Company bill pay questions can be sent to [email protected] In most cases, you can receive faster and more in-depth help from your insurance agent.

Should I buy North Star Mutual insurance?

North Star insurance provides a variety of basic coverage types with many add-on coverages to customize your policy. The combination of personal and business insurance policies make it easy for business owners to get all of their coverage in one place. 

North Star also has discounts to allow its policyholders to save. However, many other insurance companies have more discounts to save with. With that being said, North Star may have cheaper rates to begin with, so discounts with other companies may not make sense. North Star may offer particularly low rates for young drivers, drivers with bad credit, or drivers with an at-fault accident on their driving record.

The most important thing you can do to ensure you’re getting the best insurance is to compare coverage and rates from multiple companies. If you can’t find affordable North Star Mutual insurance, enter your ZIP code into our free quote comparison tool below to compare rates from multiple companies in your area.

 

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