21st Century vs. Infinity: Which Company is the Best Fit for You?

If you're in the market for a new auto insurance policy, you might be wondering how Infinity and 21st Century compare when it comes to the most affordable prices and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, 21st Century offers cheaper premiums than Infinity
  • 21st Century has more affordable rates for policyholders who live in suburban areas
  • Infinity offers more affordable premiums for couples purchasing car insurance together

21st Century vs. Infinity: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to 21st Century or Infinity as your top options, but which carrier will save you the most?

21st Century Infinity

Looking at nationwide averages, 21st Century has average rates that are about 18% per month less expensive than those from Infinity.

Even so, 21st Century may not be the lowest or best option for every single driver out there. Auto insurance companies use tons of complex algorithms to calculate rates, so depending on where you live or how clean your driving record is (among a whole range of other factors), you could see wildly different prices from the ones above.

Wanting to know if 21st Century or Infinity is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

21st Century or Infinity: Average Car Insurance Rates by State

State 21st Century Infinity

21st Century and Infinity only compete against each other in California, where Infinity offers the cheaper average rates. For California residents, Infinity offers car insurance for $178 a month on average. 21st Century's average prices come out to be over 15% more expensive, at $206 per month.

There's a lot more that goes into your insurance cost than just where you call home. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

21st Century Infinity
18-year-old drivers$232$468
25-year-old drivers$144$147

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of nearly $250 less a month by choosing 21st Century over Infinity.

But with both carriers, you'll see your prices drop significantly once you turn 25. For example, average rates for 21st Century policyholders decrease almost $90 and Infinity's premiums reduce more than $300 over that time.

Which is the Best Company for Retired Drivers?

21st Century Infinity
65+-year-old drivers$122$134

Drivers around retirement age generally enjoy some of the cheapest insurance prices out there. After all, they've likely been driving for quite some time, which normally lowers their chances of accidents and other infractions that can increase rates.

When looking at 21st Century and Infinity specifically, which carrier is best for retired drivers? 21st Century gets the slight edge here, with average premiums coming in at around $122 monthly compared to Infinity's $134.

Which is the Best Company for Married Drivers?

21st Century Infinity

You may not be aware, but auto insurance prices tend to be cheaper for married couples than they are for those who are single. This usually boils down to married drivers having more than one car on their policy -- something a lot of car insurance companies will reward with discounts.

When it comes to relationship status, 21st Century is the clear winner for single drivers, with premiums about $62 per month more affordable than Infinity, on average. But for married policyholders, that advantage is much less clear - Infinity offers the lowest average rates , but the difference is less than $10.

21st Century vs. Infinity: Average Rates by Gender

21st Century Infinity

Men tend to pay more for insurance than women. This is because women are less likely to get into collisions and get tickets, which lowers the chances of an insurance claim.

Everyone gets the same monthly prices regardless of gender with 21st Century; everyone gets the same monthly rates regardless of gender with Infinity.

When it comes to the cheapest prices for each gender, 21st Century offers the most affordable average premiums for both men and women, with average rates $32 less for men and $32 cheaper for women.

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21st Century or Infinity: Compare State Minimum vs. Full Coverage Rates

21st Century Infinity
State Minimum*$79$93
Full Coverage**$212$262

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Car insurance isn't the easiest topic to understand. There are multiple different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, 21st Century typically offers less expensive prices of $79 compared to Infinity's $93. When it comes to full coverage policies with similar limits, 21st Century again has the edge, with policies around $50 a month more affordable than Infinity, on average.

Is 21st Century or Infinity Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and collisions lead to higher premiums, but which company -- 21st Century or Infinity -- has the lowest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

21st Century Infinity
Clean Record$93$128
1 Speeding Ticket$117$160

21st Century policyholders can expect their premiums to go up an average of $24 per month if they get a ticket, while Infinity generally raises rates about $32 a month, on average.

That being said, 21st Century tends to offer the best prices for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save around $35 per month and drivers with a ticket can save about $43 a month with 21st Century Insurance.

Which Company is Best for Drivers After an Accident?

21st Century Infinity
Clean Record$93$128
1 At-Fault Accident$173$211

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Infinity climbing by just under $85. 21st Century has a less extreme climb, but you can still expect to pay $80 more than you were prior to your first collision.

Overall, drivers who use 21st Century end up with the cheaper prices after an accident, with monthly prices averaging $173 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

21st Century Infinity
Clean Record$93$128
1 DUI$200$211

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your insurance bill. On average, 21st Century will raise your rates around 54% after a DUI, while Infinity's average premiums rise by just under 40%.

If you have a DUI on your record and are looking for more affordable prices, 21st Century tends to be the much cheaper option with average rates of $200 per month compared to $211 from Infinity.

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How does Credit Score Impact 21st Century and Infinity Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many drivers.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking at 21st Century and Infinity specifically, which company has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

21st Century Infinity
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

21st Century Infinity
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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Is 21st Century or Infinity Better for Drivers who Work from Home or Have Short Commutes?

21st Century Infinity
6,000 Annual Miles$139$167
12,000 Annual Miles$153$189

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. Normally, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, 21st Century tends to be the cheaper option. Infinity's average rates for drivers with 6,000 annual miles come in nearly $30 more expensive than 21st Century. Those who drive 12,000 miles yearly can expect to pay over $35 more with Infinity over 21st Century.

21st Century vs. Infinity: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a sizable role in how much you pay for insurance. Usually, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer vehicles on the roads in those areas.

21st Century Infinity
Urban Areas$151$198
Suburban Areas$145$186
Rural Areas$141$149

21st Century boasts the lowest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest prices from both companies, but 21st Century comes out on top with average premiums about $141 monthly. 21st Century also has less expensive average rates for drivers in urban and suburban ZIP codes -- a 24% and 22% per month respective difference when compared to Infinity policyholders in similar areas.

21st Century vs. Infinity Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've taken a look at all of the different discounts 21st Century and Infinity offer their customers so that you can see which one can save you the most money each month.

21st Century Infinity
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Defensive Driver Discount
Deluxe Discount 
Good Driving Discount
Good Student Discount
Homeowner Discount 
Multi-Policy Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount 
Seat Belt Discount 

21st Century knocks Infinity out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Infinity.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, and discounts for being a good student. 21st Century also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Infinity does not.

Infinity's discounts come through just three categories -- Defensive Driver, Good Driving, and Good Student.

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Final Thoughts: Is 21st Century or Infinity Best for You?

So, you've seen how different factors can affect your car insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the best company for you, your vehicle, and your wallet?

21st Century might be best for you if....

  • You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
  • Your neighborhood is in a city.
  • You don't spend much time in your car.

Infinity might be best for you if...

  • You and your spouse are buying insurance together.

We hope this guide helps you get a better idea of the difference between 21st Century and Infinity. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just 21st Century and Infinity. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

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21st Century vs. Infinity FAQs

Is 21st Century or Infinity cheaper?

Looking just at the national average premiums, 21st Century is the more affordable of the two carriers, offering average rates of $146 a month compared to $178 for Infinity. However, 21st Century won't necessarily be the most affordable carrier for every driver, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, 21st Century or Infinity?

Unfortunately, the answer truly is "it depends.". No single company is "better" for each driver -- it all comes down to what your unique car insurance profile looks like.

Why do 21st Century and Infinity offer me different rates?

Insurance companies take a look at several different factors when calculating the rates they charge drivers. Things like age, where you live, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both 21st Century and Infinity calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if 21st Century or Infinity is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be 21st Century or Infinity at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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