# North Star Mutual vs RAM Mutual

The clearest difference is rating: North Star Mutual at 1.9 against RAM Mutual's 1.0. North Star Mutual also leads on ratings volume (16 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

North Star Mutual holds the better App Store score, 1.9 against 1.0. That said, the two scores are not equally well evidenced: North Star Mutual has 16 ratings behind it against 1, so its average is the more settled of the two.

North Star Mutual ships an update every 3 months, RAM Mutual every 2 months. Both last shipped on November 3, 2026.

## The numbers

| Metric | North Star Mutual | RAM Mutual |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.9 (16 ratings)](https://appshunter.io/ios/app/north-star-mutual-mobile/id1625855427/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/ram-mutual/id6447700438/reviews) |
| Number of ratings | **16** | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 49 MB | 4 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [North Star Mutual Insurance Company](https://appshunter.io/developer/1611507895) | [RAM Mutual Insurance](https://appshunter.io/developer/1451394714) |

## What reviewers say

### North Star Mutual

[App page](https://appshunter.io/ios/app/north-star-mutual-mobile/id1625855427)

Manage your insurance policies on the go. View policy details, make payments with various methods, and track your claims. Easily connect with your insurance agent for support.

**Highlights:** View policy details, Make payments (Credit Card, Debit Card, Checking/Savings Account), View open and closed claims, Contact agent

**Features:** Vision Pro support

**In-app purchases:** none


### RAM Mutual

[App page](https://appshunter.io/ios/app/ram-mutual/id6447700438)

Manage your insurance policies, view policy details, and access digital ID cards. Submit and track claims, and make payments directly through the app. Easily connect with your insurance agent for support.

**Highlights:** View policy information, Access digital ID cards, Make payments, Submit and view claims, Contact agent

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is North Star Mutual free?

North Star Mutual is free to download, with no in-app purchases.

### Is RAM Mutual free?

RAM Mutual is free to download, with no in-app purchases.

### Which has better reviews, North Star Mutual or RAM Mutual?

North Star Mutual is rated higher. North Star Mutual averages 1.9 out of 5 from 16 ratings, while RAM Mutual averages 1.0 from 1 ratings.

### Do North Star Mutual or RAM Mutual have ads?

Neither North Star Mutual nor RAM Mutual shows ads.

### Which is updated more often, North Star Mutual or RAM Mutual?

North Star Mutual ships an update every 3 months, and RAM Mutual every 2 months. Most recently, North Star Mutual was updated on November 3, 2026 and RAM Mutual on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*