North Star Auto Insurance

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Company Details


269 Barstad Road S
PO Box 48

ZIP Code:
Phone Number:
Year Founded
AM Best Rating:
A+ (Superior)
Company Rating 0 (0 reviews)

Things to Remember...

  • North Star Auto Insurance sells personal auto and commercial policies
  • North Star also offers home, farm, and business insurance policies
  • Meeting the minimum requirements of the state you are purchasing a policy in is important

North Star Mutual Insurance Company sells personal auto insurance as well as commercial policies. Commercial covers include options for travel trailers, vans, trucks, pickups, cars, antique autos, motor homes, and classic autos.

In addition to auto insurance, North Star also provides home, farm, and business insurance policies. Read on to learn more about the auto insurance and other coverage options offered by this insurance company

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North Star Mutual Auto Insurance Policies


North Star Mutual familiarizes itself with the laws of each state regarding auto insurance before writing policies and setting rates.

Meeting the minimum requirements of the state you are purchasing a policy in is important, but it might not be enough. In addition to the minimum, you may need additional coverage that will protect your assets if you face a lawsuit.

With this in mind, North Star auto insurance policies include bodily injury liability, property damage liability, medical payments, and personal injury protection.

These aspects are customized according to a customer’s individual needs as well the state that the customer lives in and the assets that need to be protected.

Once the basics are covered, there are optional aspects of a policy that can be added as needed. Optional coverage includes collision, rental reimbursement, comprehensive coverage, towing, towing labor, uninsured motorist, and underinsured motorists.

If you still owe money on your vehicle, the lien holder may require that you have additional coverage as well. Be sure to ask your lien holder what they require.

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North Star Auto Insurance Discounts

For its customers, North Star provides auto insurance discount options that can reduce the overall cost of a monthly premium. Customers may qualify for one or all of these discounts including those for:

North Star Commercial Insurance


North Star’s commercial auto insurance policy includes coverage for bodily injury and property damage liability and personal injury protection with or without medical payments.

Optional coverage for commercial plans includes uninsured motorist, comprehensive, state amount value, and hired auto coverage.

North Star Home Insurance

Home insurance from North Star has recently expanded to include homes, mobile homes, renters, rental homes, condominiums, and seasonal homes.

Related to the home, North Star offers many other options that can be added to a policy including sewer back-up, replacement costs, identity theft from the home, and refrigerated food products.

An umbrella policy is also available to fill in the gaps in other insurance options as needed.

North Star Farm Insurance


Farm coverage is a unique insurance coverage that is highly specialized to meet the needs of farm owners and those who live on farms.

Beyond insurance for the dwellings on a farm and liability for injuries that take place, there are many other aspects of a farm that need to be covered by insurance.

For example, irrigation equipment needs to be covered. If this breaks down, it can ruin the income prospects of a farm for the entire season.

Other examples are livestock, farm machinery, theft and farmer medical payments. North Star works one on one with farmers and farm owners to customize policies.

North Star Business Insurance

North Star business insurance has three specialized areas of coverage:

  • Small business insurance – This option covers businesses that have less than 50 full-time employees
  • Contractor’s insurance – Specifically designed for eleven different types of contractors
  • Church insurance – Covering directors and officer’s liability, pastoral counseling liability, cemetery liability, sexual misconduct liability, medical payments for volunteers, medical payments for athletic activities, and several more situations.

North Star Insurance Agents


North Star agents are rewarded with flexible schedules and an excellent benefits package. The package includes paid time off, sick time, medical insurance, pension plans, 401K plans, short-term disability coverage, and a tobacco-free environment.

North Star was named one of the top 100 places to work in Minnesota.

Insurance agents go through training to make sure that they are offering their customers the latest in technology, insurance coverage options, and trends within the insurance industry.

Training is a requirement and a privilege given to all North Star agents. Prior insurance experience is taken into consideration when the hiring process takes place.

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