AAA vs. Infinity: Which Company is the Best Fit for You?

Quick Facts

• In general, Infinity offers significantly cheaper premiums than AAA
• AAA may help you save more money -- they offer more discounts than Infinity Insurance
• Infinity offers more affordable prices for single people who will be the only person on the insurance policy

AAA or Infinity: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering substantial savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to AAA or Infinity as potential options, but between the two, which one has more affordable rates for car insurance?

Looking at nationwide averages, AAA is quite a bit more expensive than Infinity, with premiums averaging $314 a month compared to just $178 with Infinity.

Even so, that doesn't mean Infinity will necessarily be less expensive than AAA for each driver. Auto insurance carriers use all sorts of complex algorithms to determine prices, so depending on how clean your driving record is or how old you are (among many other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both AAA and Infinity by several different rate factors, so read on to find out which carrier is the best for you.

AAA vs. Infinity: Average Car Insurance Rates by State

AAA and Infinity only compete against each other in California, where Infinity offers the cheaper average prices. Infinity drivers tend to pay about $37 per month less on average compared to drivers who use AAA for their insurance.

But there's more to calculating car insurance premiums than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Infinity for their auto insurance pay over 30% less than those who use AAA.

However, both companies will offer you dramatically lower rates by the time you turn 25. For example, average prices for AAA policyholders decrease almost 60% and Infinity's rates drop nearly 70% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever see.

So, which company offers the best prices to retired drivers? Infinity gets the edge, with premiums for drivers 65 and older $104 cheaper than the national average for AAA.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance rates than married drivers. This usually boils down to married couples having more than one vehicle on their policy -- something several car insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Infinity rates coming in at around 40% less than AAA's. For married policyholders, the advantage is clear again - Infinity has the edge when it comes to average premiums.

AAA or Infinity: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? That's because men are more likely to get tickets and get into collisions, which increases the chances of filing a claim with insurance.

Men usually pay about $35 a month more than women with AAA; men and women get the same monthly prices with Infinity.

When it comes to the lowest rates for each gender, Infinity offers the cheapest average premiums for both men and women, with average prices 46% less for men and 40% cheaper for women.

AAA vs. Infinity: Compare State Minimum vs. Full Coverage Rates

*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.

It's no secret that insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Infinity has the significant edge, with average monthly premiums coming in at $93. If you want a full coverage policy with the same state minimum limits, Infinity again has the edge, with policies averaging around $262 per month to AAA's $459.

Is AAA or Infinity Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two carriers offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use AAA for their car insurance can normally expect their monthly bill to go up about 29% after getting a speeding ticket. Infinity policyholders can expect a less drastic increase of around 20%.

But Infinity is typically the more affordable option for drivers both with a ticket and with a clean record, offering rates that are 40% and 46% less expensive, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault collision with AAA climbing by about 37%. Infinity has a less extreme increase, but you can still expect to pay nearly 40% more than you were prior to your first accident.

At the end of the day, the more affordable rates come from Infinity, with average prices coming in at $211 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than a collision or speeding ticket. AAA drivers usually see a 47% raise in their car insurance premiums after a DUI charge, while Infinity will usually climb prices by around 39%.

But if you end up with a DUI charge and are looking for more affordable rates, Infinity tends to be less expensive for the average driver, with monthly premiums coming in at about $211 to AAA's $403.

How does Credit Score Impact AAA and Infinity Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly auto insurance prices. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for a lot of drivers.

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

So, which carrier offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have great credit. Improving your "good" credit score to an "excellent" one will typically save AAA Insurance customers around $60. On the other hand, undefined doesn't have data available for credit scores, which means they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with AAA Insurance. If your credit score is in the "poor" range, at AAA Insurance, you may pay about 45% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because undefined doesn't have data available for credit scores, they might have better premiums for drivers with bad credit over AAA Insurance.

Is AAA or Infinity Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. That's because the fewer miles you put on your vehicle each year, the less likely you are to be in an accident and file an insurance claim.

Infinity tends to be the more affordable option for both remote workers and those taking short commutes. AAA's average prices for drivers with 6,000 annual miles come in more than 45% more expensive than Infinity. Those who drive 12,000 miles annually can expect to pay over 40% more with AAA over Infinity.

AAA or Infinity: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for auto insurance. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Infinity tends to offer the most affordable rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Infinity Insurance's average premiums are around $186 less than AAA Insurance. People who live in suburban areas pay about $115 less with Infinity compared to AAA. Those in rural areas can expect to save around $107 with Infinity compared to AAA.

AAA vs. Infinity Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both AAA and Infinity so that you can find the company that has the most discounts and, therefore, the largest savings.

AAA knocks Infinity out of the park when it comes to the sheer number of discounts available, offering 30 more discounts than Infinity.

Both companies offer a lot of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, and discounts for being a good student -- but AAA also offers discounts for AAA, academic, advance quote, and more.

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

Final Thoughts: Is AAA or Infinity Best for You?

You've seen the effect certain factors have on your insurance and the different discounts carriers offer. But, at the end of the day, which company is the right carrier for you and your specific profile and needs?

Infinity might be best for you if....

• You have received a ticket within the last few years.
• You want the most robust protection via a "full coverage" policy.
• You have a short commute.

AAA might be best for you if...

• You're worried about the impact your credit score will have on your prices.
• You have above-average credit.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between AAA 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 best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just AAA and Infinity. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

AAA vs. Infinity FAQs

Is AAA or Infinity cheaper?

Infinity is the cheaper of the two companies when looking at national average rates, with policies averaging $178 per month with Infinity and $314 for AAA. Even so, that doesn't mean Infinity will be the cheapest company for everyone, since there are lots of different variables that are considered when it comes to your insurance payment.

Who is better, AAA or Infinity?

Sadly, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile. For example, AAA is less expensive for drivers who have less-than-stellar credit scores, while Infinity offers more affordable premiums for drivers with an at-fault collision on their record.

Why do AAA and Infinity offer me different rates?

Insurance carriers use quite a few different factors when determining the prices they charge. Things such as gender, your driving record, age, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Infinity calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a range of different companies.

How do I know if AAA or Infinity is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't AAA or Infinity at all, but another you hadn't even thought of!

Methodology

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.