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

If you're in the market for a new insurance policy, you might be wondering how Infinity and Allstate compare when it comes to the cheapest 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

  • Looking at the national averages for auto insurance, Infinity offers cheaper premiums than Allstate
  • Allstate may help you save more money -- they offer more discounts than Infinity Insurance
  • Infinity has more affordable rates in CA

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Allstate or Infinity, but which company will save you the most?

Allstate Infinity

Looking at nationwide averages, Allstate is around $21 more a month than Infinity.

But that doesn't mean Infinity will necessarily be less expensive than Allstate for every driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so premiums will vary quite a bit from person to person.

So, if you want to find out which of Allstate or Infinity is really the best for you, keep reading to see average rates for each carrier broken down by several different rate factors.

Allstate vs. Infinity: Average Car Insurance Rates by State

State Allstate Infinity

Allstate and Infinity only compete against each other in California, where Infinity offers the cheaper average prices. Infinity drivers tend to pay about $54 per month less on average compared to drivers who use Allstate for their auto insurance.

That being said, there's a lot more that goes into your car insurance bill than just where you live. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Allstate Infinity
18-year-old drivers$448$468
25-year-old drivers$167$147

Teen drivers will almost always have the most expensive insurance rates of any group out there on the road. It's because teen 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 Allstate for their car insurance pay 4% less than those who use Infinity. It's worth noting that Allstate offers auto insurance in 47 different states compared to Infinity's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both companies will offer you dramatically lower rates once you turn 25. For example, average prices for Allstate policyholders drop about $300 and Infinity's premiums lower around $300 over that time.

Which is the Best Company for Retired Drivers?

Allstate Infinity
65+-year-old drivers$152$134

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

So, which company offers the best premiums to retired drivers? Infinity gets the edge here, with average prices coming in at about $134 a month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Allstate Infinity

You may not be aware, but car insurance rates tend to be more expensive for single drivers than they are for married drivers. That's because policies for married policyholders usually cover several vehicles, which lots of carriers will give you a discount for.

For those who are single, the difference in average premiums between these two companies is not very significant, with Infinity prices coming in at around 5% less than Allstate's. But for married couples, the advantage is clear - Infinity offers the lowest average premiums.

Allstate or Infinity: Average Rates by Gender

Allstate Infinity

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll normally end up paying more for insurance than women.

Men typically pay about 4% more a month than women with Allstate; men and women get the same monthly rates with Infinity.

Looking at the data for each carrier specifically, Infinity comes out on top for both men and women. On average, women save about $16 per month and men save around $25 with Infinity compared to the average Allstate policyholder.

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

Allstate Infinity
State Minimum*$108$93
Full Coverage**$289$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.

For most people, auto insurance isn't the easiest topic to understand. There are a range of different coverages that account for many 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 (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, Infinity has the edge, with average monthly prices 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 about $262 a month to Allstate's $289.

Is Allstate or Infinity Better for Drivers with Spotty Records?

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

Speeding tickets and collisions will most likely raise your rates, but is Allstate or Infinity cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate Infinity
Clean Record$156$128
1 Speeding Ticket$183$160

Policyholders who use Allstate for their auto insurance can generally expect their monthly bill to go up around 15% after getting a speeding ticket. Infinity policyholders can expect a bit more drastic of an increase of about 20%.

However, Infinity is typically the less expensive option for both drivers who have clean records and those with a recent ticket -- their rates are around 18% more affordable for drivers with clean records and 13% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate Infinity
Clean Record$156$128
1 At-Fault Accident$229$211

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Infinity raising by around 39%. Allstate has a less extreme increase, but you can still expect to pay more than 30% more than you were prior to your first accident.

At the end of the day, the more affordable premiums come from Infinity, with average rates coming in at $211 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

Allstate Infinity
Clean Record$156$128
1 DUI$227$211

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than a collision or speeding ticket. Infinity drivers usually see a 39% increase in their car insurance prices after a DUI charge, while Allstate will normally raise premiums by about 31%.

Infinity has the overall cheapest rates for drivers with a DUI on their records at $211 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Infinity, so the data may be skewed slightly.

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How does Credit Score Impact Allstate and Infinity Rates?

Did you know many auto insurance companies take into account your credit score when determining premiums? This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it might come into play for quite a few drivers.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Allstate and Infinity, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Allstate Infinity
Excellent Credit Score$145No Data Available
Good Credit Score$172No Data Available

If you have great credit, Allstate will generally reward you. Improving your "good" credit score to an "excellent" one will normally save Allstate customers around 15%. Infinity, on the other hand, 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?

Allstate Infinity
Fair Credit Score$203No Data Available
Poor Credit Score$275No Data Available

Having bad credit can cost you with Allstate. As you can see, Allstate customers with poor credit scores pay about $70 per month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, because Infinity doesn't have data available for credit scores, they may have better premiums for drivers with bad credit over Allstate.

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

Allstate Infinity
6,000 Annual Miles$197$167
12,000 Annual Miles$200$189

How much you drive can have a considerable impact on your monthly prices. Generally, those who drive less will end up with less expensive rates since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Infinity offers cheaper prices than Allstate. Infinity's average premiums for drivers with 6,000 annual miles come in over 15% more affordable than Allstate. Those who drive 12,000 miles annually can expect to pay 6% less with Infinity over Allstate.

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

Where you call home can have a big impact on your monthly auto insurance payment. Usually, those who live in urban areas will pay more than drivers in rural areas due to the number of vehicles that are on the roads where they live.

Allstate Infinity
Urban Areas$222$198
Suburban Areas$199$186
Rural Areas$174$149

Infinity boasts the most affordable average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Infinity's average premiums are around $198 a month compared to Allstate's $222. Drivers in suburban ZIP codes pay a monthly rate of about $186 with Infinity compared to $199 with Allstate. If you live in a rural area, you can expect to pay around $149 monthly with Infinity compared to Allstate's $174.

Allstate vs. Infinity Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult 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 Allstate and Infinity so that you can see which company can save you the most money each month.

Allstate Infinity
ABS Discount 
Advance Quote Discount 
Agency Transfer Discount 
Alert Driving Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Drive Wise Discount 
Driver Training Discount 
DRL Discount 
Economy Car Discount 
EFT Discount 
ESC Discount 
Farm Discount 
Good Driving Discount
Good Hands Discount 
Good Payer Discount 
Good Student Discount

Allstate blows Infinity away when it comes to the sheer amount of discounts available, offering 40 different discounts to Infinity's three.

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. Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

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

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Final Thoughts: Is Allstate or Infinity Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. But, at the end of the day, which company is the best carrier for you and your specific driver profile?

Infinity might be best for you if....

  • Your driving record includes a DUI charge.
  • You live in an suburban area.
  • You have a short commute.

Allstate might be best for you if...

  • You have below-average credit.
  • You care about discounts (Allstate offers the most).
  • You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between Allstate 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 Allstate and Infinity. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

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Allstate vs. Infinity FAQs

Is Allstate or Infinity cheaper?

Infinity is the less expensive of the two carriers when looking at national average rates, with policies averaging $178 per month with Infinity and $199 for Allstate. Even so, that doesn't mean Infinity will be the lowest carrier for everyone, since there are multiple different factors that are considered when it comes to your auto insurance cost.

Who is better, Allstate or Infinity?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Allstate is more affordable for drivers who have less-than-stellar credit scores, while Infinity offers cheaper premiums for policyholders with an at-fault collision on their record.

Why do Allstate and Infinity offer me different rates?

Auto insurance companies use many different variables when calculating the rates they charge. Factors such as age, where your home is, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Infinity calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from lots of different carriers.

How do I know if Allstate 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 area information and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Allstate or Infinity at all, but another you hadn't even thought of!


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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