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

Quick Facts

• Looking at the national averages for insurance, Cse offers slightly more affordable rates than Infinity
• Cse offers more affordable prices for drivers who have an at-fault accident on their record
• Infinity tends to be a much cheaper option for residents of rural areas

Cse 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 large discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Cse or Infinity as potential options, but between the two, which one has less expensive premiums for car insurance?

Looking at nationwide averages, Cse is about $3 per month cheaper than Infinity.

However, that doesn't mean Cse will necessarily be less expensive than Infinity for each driver. Auto insurance companies use a variety of complex algorithms to calculate rates, so depending on how good your credit score is or where you live (among a whole bunch of other factors), you could see wildly different prices from the ones above.

Wanting to know if Cse 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.

Cse or Infinity: Average Car Insurance Rates by State

Both Cse and Infinity only offer insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Cse offers auto insurance for $175 monthly on average. Infinity's average prices come out to be more expensive, at $178 a month.

Typically, where you live will play a hefty role in how much you pay for car insurance, but since both companies only do business in California, many other factors will come into play when you compare Cse and Infinity. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers out there on the road. 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 premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Cse for their car insurance pay more than $100 less than those who use Infinity.

That being said, both carriers will drop rates once you turn 25. For example, average prices for Cse policyholders reduce over 50% and Infinity's rates lower nearly 70% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

But who has the best premiums for retired drivers between Cse and Infinity? Cse gets the slight edge here, with average rates coming in at around $128 per month compared to Infinity's $134. But that difference is less than 5%, which means it ultimately will come down to other variables, such as your credit score or your driving record.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are normally more affordable for married drivers than they are for single policyholders? That's typically because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, the two companies are comparable for those who are single, with rates only differing about $16 a month, on average. But for married couples, the advantage is clear - Infinity has the edge when it comes to average prices.

Cse vs. Infinity: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will usually end up paying a little more.

Women and men end up paying same monthly premiums with Cse; and with Infinity, both genders end up paying the same monthly premium.

Looking at the data for each carrier specifically, Cse offers the lowest average prices for both men and women. On average, male drivers save about $3 per month and women save around $3 with Cse compared to the average Infinity policyholder.

Cse or 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.

For most people, car insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages alongside what you get with a liability policy).

In this case, Cse offers the most affordable average premiums for state minimum liability limits, while Infinity has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with CSE Insurance Group, while full coverage comes out to be about $10 less expensive with Infinity Insurance.

Is Cse 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 tickets and accidents on your record, but which of these two carriers offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Cse policyholders can expect their prices to go up an average of $38 a month if they get a ticket, while Infinity usually raises rates around $32 per month, on average.

If you have a clean record, Cse tends to offer the best premiums at about 4% more affordable, while Infinity has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Cse policyholders who get in a collision can expect to see their rates rise by just under $55, while those who have insurance through Infinity will see around a $85 increase.

Overall, the cheaper premiums come from Cse, with monthly prices averaging $176 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. Cse drivers usually see a 49% raise in their auto insurance premiums after a DUI charge, while Infinity will normally increase rates by about 39%.

If you have a DUI on your record and are looking for more affordable prices, Infinity tends to be the much less expensive option with average premiums of $211 monthly compared to $241 from Cse.

How does Credit Score Impact Cse and Infinity Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly car insurance rates. This isn't always the case (for example, are two states that ban the practice entirely), but it might come into play for quite a few drivers.

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

So, which company offers the cheapest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Cse 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 insurance carriers will charge for coverage. That's because the more miles you put on your vehicle each year, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Cse tends to be the cheaper option. Infinity's average premiums for drivers with 6,000 annual miles come in $6 more expensive than Cse. Those who drive 12,000 miles every year can expect to pay $0 more with Infinity over Cse.

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

Where you live can play a substantial role in how much you pay for auto insurance. Typically, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Looking at these companies side-by-side, Cse tends to offer the most affordable option for drivers in urban and suburban areas, while Infinity wins in rural areas.

If you live in a rural area, you can expect to save around 7% with Infinity compared to Cse. Drivers in suburban ZIP codes pay about 4% less with Cse compared to Infinity. In urban areas, CSE Insurance Group's average prices are around 6% less than Infinity Insurance.

Cse 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 insurance discounts as you can.

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

In the table below, we've broken down all of the different discounts offered by both Cse and Infinity so that you can see which company can save you the most money each month.

Overall, Cse comes out ahead with five discounts to Infinity's three.

Both carriers offer several of the same discounts -- like discounts for being a good driver -- but Cse also offers employee discounts, goverment employee discounts, mature driver discounts, and more that Infinity does not.

On the flip side, Infinity has a couple unique discounts of its own -- discounts for being a defensive driver and discounts for being a good student.

Final Thoughts: Is Cse 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 company offers, too. But, at the end of the day, which insurance carrier is the right carrier for you and your specific driver profile?

Cse might be best for you if....

• You're single and purchasing car insurance by yourself.
• You live in an urban area.
• You've started working from home and don't have much of a commute.

Infinity might be best for you if...

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You are purchasing your auto insurance with a spouse.

We hope this guide helps you get a good idea of the differences between Cse and Infinity and that you can now make a more informed decision when it comes to your 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 companies, not just Cse and Infinity. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Cse vs. Infinity FAQs

Is Cse or Infinity cheaper?

Looking just at the national average premiums, Cse is the more affordable of the two companies, offering average rates of $175 a month compared to $178 for Infinity. Even so, Cse won't necessarily be the cheapest company for each policyholder, since there are lots of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Cse or Infinity?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is "better" for every driver -- it all depends on what your unique car insurance profile looks like.

Why do Cse and Infinity offer me different rates?

Insurance carriers take a look at many different variables when calculating the rates they charge policyholders. Factors like age, gender, your driving record, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Cse and Infinity use different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different companies.

How do I know if Cse 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 multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies 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 Cse or Infinity at all!

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.