North Star Auto Insurance
North Star Mutual Insurance Company offers comprehensive auto insurance coverage for personal, commercial, and farm use vehicles. Whether you need protection for your family car or keep your business on the move, North Star provides competitive rates, customizable policies, and dependable claims service.
Personal Auto Insurance
Protect your car, truck, motorcycle, or recreational vehicle with a personalized auto insurance policy from North Star Mutual. We work with your local insurance agent to customizes coverage for your lifestyle and budget.
North Star personal auto policies can insure:
- Cars
- Vans
- Pickups & Trucks
- Antique & Classic Autos
- Motor Homes
- Travel Trailers
- Motorcycles
- Snowmobiles
- Off-Road Vehicles
Standard Personal Auto Coverages
- Bodily Injury Liability – Covers injuries to others if you are legally responsible for an accident.
- Property Damage Liability – Pays for damage you cause to another person’s vehicle or property.
- Medical Payments (IA, NE, OK, SD) – Covers medical expenses for you and passengers after an accident.
- Personal Injury Protection (PIP) (MN, ND) – Covers medical costs, lost income, services, and accidental death benefits.
Optional Personal Auto Insurance Coverages
- Collision Coverage
- Comprehensive Coverage (Other Than Collision)
- Uninsured Motorist Coverage
- Underinsured Motorist Coverage
- Rental Reimbursement
- Towing & Labor Coverage
- Custom Equipment Coverage
- Safety Glass Coverage
Auto Insurance Discounts
Save on your premium with available discounts:
- Anti-Theft Equipment
- Passive Restraint Systems
- Defensive Driver / Accident Prevention
- Companion Policy Discount (when bundling with your home, farm or business insurance)
Commercial Auto Insurance
North Star provides commercial vehicle insurance for businesses, contractors, farms, and fleet owners, written in conjunction with your Commercial policy. If your business relies on vehicles to get the job done, Commercial Auto Insurance is a smart investment in your company’s future. From a single work truck to an entire fleet, the right coverage protects you from costly accidents, liability claims, and unexpected repairs that could otherwise disrupt your operations.
Standard Commercial Auto Coverages
- Bodily Injury & Property Damage Liability
- Medical Payments or Personal Injury Protection (PIP)
Optional Commercial Auto Coverages
- Uninsured and Underinsured Motorist
- Collision Coverage
- Comprehensive Coverage
- Stated Amount Value options
- Specified Cause of Loss options
- Hired & Non-Owned Auto Coverage
- Drive Other Car Coverage
- Additional custom coverage options available
Commercial Auto Discounts
Lower your business auto insurance costs with:
- Fleet Discounts
- Anti-Theft Equipment
- Passive Restraint Systems
- Defensive Driver Programs
- Companion Policy Discount (when bundling with farm or business coverage)
Umbrella Liability Insurance
Umbrella insurance provides extra liability protection beyond your base policy limits.
Towing & Labor Reimbursement
North Star Mutual offers Towing & Labor reimbursement coverage for when you need roadside assistance.
Claims Service
If you experience a loss, North Star Mutual is committed to providing fast, fair, and personal claims service to help you recover quickly and with confidence.