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

You've probably seen ads offering big savings on auto insurance, but are Cig or Infinity right for you? Which company offers the most affordable rates, or the most discounts? Read on to see how Cig 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
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Looking at the national averages for insurance, Cig offers significantly less expensive prices than Infinity
  • Cig has cheaper premiums for residents of suburban areas
  • Cig tends to be a much more affordable option for residents of urban areas

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

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Cig or Infinity for your next policy, but between the two, which carrier has less expensive rates for car insurance?

Cig Infinity

As you can see, Cig is quite a bit cheaper than Infinity, with prices averaging $119 per month compared to $178 with Infinity when looking at the national average rates for insurance.

But that doesn't mean Cig will necessarily be cheaper than Infinity for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

Wanting to know if Cig or Infinity is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Cig or Infinity: Average Car Insurance Rates by State

State Cig Infinity

Cig and Infinity only compete against each other in California, where Cig offers the cheaper average premiums. For California residents, Cig offers car insurance for $139 per month on average. Infinity's average rates come out to be over 20% more expensive, at $178 monthly.

There's a lot more that goes into your insurance bill than just where you call home. Read on to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Cig Infinity
18-year-old drivers$240$468
25-year-old drivers$119$147

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. The reason is that 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Cig for their insurance pay nearly $250 less than those who use Infinity.

Even so, both carriers will offer you dramatically lower prices by the time drivers turn 25. Infinity offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Cig still has the lowest rates at $119 a month.

Which is the Best Company for Retired Drivers?

Cig Infinity
65+-year-old drivers$86$134

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

But who has the best premiums for retired drivers between Cig and Infinity? Cig gets the edge, with prices for drivers 65 and older $48 more affordable than the national average for Infinity.

Which is the Best Company for Married Drivers?

Cig Infinity

Married drivers tend to get slightly cheaper car insurance rates than single drivers. This usually boils down to married policyholders having more than one car on their policy -- something a lot of auto insurance companies will reward with discounts.

When it comes to relationship status, Cig is the clear winner for single policyholders, with premiums about $81 a month less expensive than Infinity, on average. The advantage for married couples with Cig is also obvious, where drivers save almost $30 per month.

Cig vs. Infinity: Average Rates by Gender

Cig Infinity

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll usually end up paying more for car insurance than women.

Women generally pay around 3% a month less than men with Cig; women and men end up paying same monthly prices with Infinity.

When it comes to the lowest rates for each gender, Cig comes out on top for both men and women, with average premiums 32% less for men and 34% cheaper for women.

Find your best rate in just a few minutes

Cig or Infinity: Compare State Minimum vs. Full Coverage Rates

Cig Infinity
State Minimum*$71$93
Full Coverage**$166$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.

Insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Cig typically offers more affordable prices of $71 compared to Infinity's $93. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies about $95 per month cheaper than Infinity, on average.

Is Cig 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.

It's no secret secret that tickets and at-fault accidents lead to higher rates, but which company -- Cig or Infinity -- has the cheapest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Cig Infinity
Clean Record$88$128
1 Speeding Ticket$112$160

Cig policyholders can expect their prices to go up an average of $24 a month if they get a ticket, while Infinity normally raises rates around $32 per month, on average.

That being said, Cig has more affordable premiums for drivers in both categories. Drivers with a clean record can save about $40 a month and drivers with a speeding ticket can save around $48 per month with CIG Insurance.

Which Company is Best for Drivers After an Accident?

Cig Infinity
Clean Record$88$128
1 At-Fault Accident$118$211

After an accident, drivers who have their auto insurance through Cig can expect to see about an $30 -- or around 25% -- increase in their insurance rates. Drivers who use Infinity for their car insurance will see a monthly bill about $83 (or 39%) more expensive after reporting an accident to their auto insurance carrier.

Overall, Cig offers the most affordable prices for drivers with an at-fault accident on their records, with monthly premiums averaging $118 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

Cig Infinity
Clean Record$88$128
1 DUI$157$211

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than a collision or ticket. On average, Infinity will climb your rates around 39% after a DUI, while Cig's average premiums increase by just under 45%.

If you have a DUI on your record and are looking for more affordable prices, Cig tends to be the much less expensive option with average rates of $157 per month compared to $211 from Infinity.

Find your best rate in just a few minutes

How does Credit Score Impact Cig and Infinity Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it might come into play for lots of drivers.

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

Looking at Cig and Infinity specifically, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Cig Infinity
Excellent Credit Score$78No Data Available
Good Credit Score$94No Data Available

If you have fantastic credit, CIG Insurance will usually reward you. With CIG Insurance, improving your score from "good" to "excellent" will typically save you about 15%. 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?

Cig Infinity
Fair Credit Score$118No Data Available
Poor Credit Score$172No Data Available

If you have bad credit, it can cost you with CIG Insurance. For drivers with less-than-stellar credit, at CIG Insurance, you may pay around 30% a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, undefined doesn't have data available for credit scores, which means drivers with bad credit could find better rates with undefined over CIG Insurance.

Find your best rate in just a few minutes

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

Cig Infinity
6,000 Annual Miles$113$167
12,000 Annual Miles$125$189

How much you drive can have a substantial impact on your monthly auto insurance cost. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

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

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

Where you call home can have a large impact on your monthly insurance payment. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads in those areas.

Cig Infinity
Urban Areas$128$198
Suburban Areas$123$186
Rural Areas$106$149

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

For policyholders in urban ZIP codes, Cig offers premiums about $128 a month compared to Infinity's $198. People who live in suburban ZIP codes can expect to pay around $123 per month for Cig and $186 for Infinity. Lastly, those in rural areas tend to get the most affordable prices from both companies, with average monthly premiums coming in at $106 and $149 for Cig and Infinity respectively.

Cig vs. Infinity Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the section below, we've compared all of the different discounts offered by Cig and Infinity so that you can see which one can save you the most money each month.

Cig Infinity
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Company Car Discount 
Defensive Driver Discount
Distant Student Discount 
Employee Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Inside Storage Discount 
Life Policy Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount 
New Vehicle Discount 
Paid In Full Discount 
Passive Restraint Discount 

Cig blows Infinity away when it comes to the sheer amount of discounts available, offering 25 different discounts to Infinity's three.

There are a couple discounts both carriers offer, but Cig 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.

Find your best rate in just a few minutes

Final Thoughts: Is Cig or Infinity Best for You?

So, we've broken down the average rates for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which carrier is the best company for you, your vehicle, and your wallet?

Cig might be best for you if....

  • You've been pulled over for speeding recently.
  • You're looking for more protection with "full coverage" car insurance.
  • You've started working from home and don't have much of a commute.

Infinity might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between Cig and Infinity and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from several carriers, not just Cig and Infinity. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Find your best rate in just a few minutes

Cig vs. Infinity FAQs

Is Cig or Infinity cheaper?

Looking just at the national average premiums, Cig is the more affordable of the two carriers, offering average rates of $119 a month compared to $178 for Infinity. However, Cig won't necessarily be the lowest company for everyone, since there are several different variables that come into play when it comes to your auto insurance cost.

Who is better, Cig or Infinity?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for each driver -- it all boils down to your unique car insurance profile.

Why do Cig and Infinity offer me different rates?

Auto insurance companies take a look at quite a few different factors when calculating the rates they charge drivers. Things like gender, age, your driving record, where your home is, and sometimes even things like your credit score can all come into play. Both Cig and Infinity calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like make it easy for you to do just that. Just enter your area information 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 company for you might not be Cig 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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes