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

You've probably seen ads offering big savings on car insurance, but are Alliance United or Infinity right for you? Which company offers the cheapest rates, or the most discounts? Read on to see how Alliance United and Infinity compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • In general, Infinity offers significantly cheaper premiums than Alliance United
  • Infinity offers less expensive average prices for residents of urban areas
  • Infinity tends to be a much more affordable option for policyholders who may not have much of a commute

Alliance United vs. Infinity: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Alliance United or Infinity as your top options, but which one will offer you cheaper rates?

Alliance United Infinity

Looking at the national average rates for both companies, Alliance United is about $47 more per month than Infinity.

That being said, that doesn't mean Infinity will necessarily be more affordable than Alliance United for every driver. Insurance carriers vary their prices depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and all sorts of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Alliance United or Infinity is really the best for you, keep reading to see average rates for each company broken down by a bunch of different rate factors.

Alliance United or Infinity: Average Car Insurance Rates by State

State Alliance United Infinity

Both Alliance United and Infinity only offer auto insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Infinity offers car insurance for $178 per month on average. Alliance United's average prices come out to be over 20% more expensive, at $225 a month.

Typically, where you call home will play a hefty role in how much you pay for auto insurance, but since both companies only do business in California, a bunch of other factors will come into play when you compare Alliance United and Infinity. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Alliance United Infinity
18-year-old drivers$422$468
25-year-old drivers$229$147

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

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Alliance United for their car insurance pay more than $45 less than those who use Infinity.

But both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for Alliance United policyholders lower nearly $200 and Infinity's premiums reduce over $300 over that time.

Which is the Best Company for Retired Drivers?

Alliance United Infinity
65+-year-old drivers$194$134

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

So, which carrier offers the best premiums to retired drivers? Infinity gets the edge here, with average prices coming in at around $134 monthly compared to Alliance United's $194.

Which is the Best Company for Married Drivers?

Alliance United Infinity

Did you know that insurance rates are generally more expensive for single drivers than they are for married drivers? This usually boils down to married couples having multiple cars on their policy -- something a lot of auto insurance carriers will reward with discounts.

When it comes to relationship status, Infinity is the clear winner for single policyholders, with prices about $30 a month less expensive than Alliance United, on average. The advantage for married policyholders with Infinity is also obvious, where drivers save around $70 per month.

Alliance United vs. Infinity: Average Rates by Gender

Alliance United Infinity

You may not know, but insurance is typically cheaper for women than it is for men. This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

Men and women end up paying the same monthly rates with Alliance United; everyone gets the same monthly premiums regardless of gender with Infinity.

When it comes to the most affordable prices for each gender, Infinity comes out on top for both men and women. On average, male drivers save about $47 a month and women save about $47 with Infinity compared to the average Alliance United policyholder.

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Alliance United or Infinity: Compare State Minimum vs. Full Coverage Rates

Alliance United Infinity
State Minimum*$102$93
Full Coverage**$349$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.

It's no secret that car insurance can be a complicated subject for most people. There are a range of 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 a collision.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Infinity usually offers slightly cheaper rates of $93 compared to Alliance United's $102. When it comes to full coverage policies with similar limits, Infinity again has the edge, with policies around $85 per month less expensive than Alliance United, on average.

Is Alliance United or Infinity Better for Drivers with Spotty Records?

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

You'll probably end up paying more with accidents and tickets on your record, but which of these two companies offers the cheapest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United Infinity
Clean Record$139$128
1 Speeding Ticket$185$160

Alliance United policyholders can expect their prices to go up an average of $46 a month if they get a ticket, while Infinity normally raises premiums about $32 per month, on average.

However, Infinity is typically the more affordable option for both drivers who have a recent speeding ticket and those with clean records, offering prices that are $11 and $25 cheaper, respectively, compared to Alliance United.

Which Company is Best for Drivers After an Accident?

Alliance United Infinity
Clean Record$139$128
1 At-Fault Accident$289$211

After an accident, drivers who have their car insurance through Alliance United can expect to see around an $150 -- or about 52% -- increase in their auto insurance rates. Drivers who use Infinity for their car insurance will see a monthly bill around $83 (or 39%) more expensive after reporting a collision to their auto insurance company.

Overall, the more affordable prices come from Infinity, with monthly rates averaging $211 compared to Alliance United's $289.

Which Company is Best for Drivers with a DUI?

Alliance United Infinity
Clean Record$139$128
1 DUI$289$211

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than an accident or ticket. For example, Alliance United increases average premiums by $150 a month -- that's over a 50% increase.

If you have a DUI on your record and are looking for more affordable rates, Infinity tends to be the much less expensive option with average premiums of $211 per month compared to $289 from Alliance United.

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How does Credit Score Impact Alliance United and Infinity Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for lots of drivers.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the lowest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Alliance United Infinity
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

Alliance United Infinity
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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

Alliance United Infinity
6,000 Annual Miles$214$167
12,000 Annual Miles$237$189

How much you drive can have a large impact on your monthly insurance bill. Generally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of getting into a collision and causing an insurance claim.

Infinity tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Infinity average prices for drivers with 6,000 annual miles come in over $45 less expensive than Alliance United. Those who drive 12,000 miles annually can expect to pay just under $50 less with Infinity over Alliance United.

Alliance United vs. Infinity: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for car insurance. Normally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of cars that are on the roads in those areas.

Alliance United Infinity
Urban Areas$230$198
Suburban Areas$239$186
Rural Areas$206$149

When comparing these two companies side-by-side, Infinity usually comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both carriers, but Infinity comes out on top with average prices about $149 a month. Infinity also has more affordable average premiums for policyholders in urban and suburban ZIP codes -- a $32 and $53 per month respective difference when compared to Alliance United drivers in similar areas.

Alliance United 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 insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the table below, we've taken a look at all of the different discounts Alliance United and Infinity offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Alliance United Infinity
Defensive Driver Discount
Good Driving Discount
Good Student Discount 
Renewal Discount 

Discounts for being a defensive driver and discounts for being a good driver are offered by both companies.

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Final Thoughts: Is Alliance United or Infinity Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the best fit for you?

Infinity might be best for you if....

  • You have a DUI charge on your record.
  • You want basic car insurance coverage at the state minimum limits.
  • You've started working from home and don't have much of a commute.

Alliance United might be best for you if...

  • You're buying insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a better idea of the difference between Alliance United and Infinity and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Alliance United and Infinity. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

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Alliance United vs. Infinity FAQs

Is Alliance United or Infinity cheaper?

Looking just at the national average prices, Infinity is the less expensive of the two carriers, offering average rates of $178 a month compared to $225 for Alliance United. But Infinity won't necessarily be the most affordable carrier for everyone, since there are lots of different factors that come into play when it comes to your auto insurance payment.

Who is better, Alliance United or Infinity?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Alliance United and Infinity offer me different rates?

Auto insurance companies take a look at quite a few different variables when determining the premiums they charge policyholders. Factors such as age, your driving record, gender, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Alliance United and Infinity calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Alliance United 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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