About Us

A Personable Company – Keeping You on Course 

North Star Mutual has grown substantially in recent years through providing outstanding insurance protection and service to our policyholders. Our home office remains in a small rural community and we continue to adhere to our long-standing Midwestern values and focus. With a dedicated and experienced staff, we emphasize superior protection with fast, fair, and friendly service. We pride ourselves on our stable insurance products, consistent underwriting, and responsive claims assistance. North Star Mutual provides insurance coverage through a vast network of independent agents across our eight-state operating territory. Agent and policyholder satisfaction is our driving force.


Facts and statistics about North Star Mutual:

  • Organized and chartered in 1920

  • Home office in Cottonwood, Minnesota, 140 miles west of Minneapolis

  • Modern 100,000 square-foot office building; initial construction of current building in 1968, with additions in 1979, 1995, and 2015

  • Provide outstanding farm, home, auto, and commercial insurance to a eight-state operating territory:

    • Minnesota

    • North Dakota

    • South Dakota

    • Nebraska

    • Oklahoma

    • Iowa

    • Kansas

    • Wisconsin

  • Largest farm insurance writer in Minnesota

    •  Minnesota farm policies are packaged with Township Mutuals throughout the state

  • Rated A+ Superior by A.M. Best for financial stability

  • Written premiums: $729 million

  • Assets: $1.1 billion

  • Policyholder Reserves: $603 million

  • View 2023 Financial Report

  • Represented in over 2,500 independent agencies

  • Issuing and renewing 400,000 Home, Farm, Auto and Small Business policies each year

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