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

Wondering if Esurance or Infinity is the best insurance carrier for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Infinity offers significantly more affordable rates than Esurance
  • Esurance may help you save more money -- they offer more discounts than Infinity Insurance
  • Infinity offers less expensive average prices for policyholders who drive a short distance to work everyday

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

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

You've maybe even narrowed it down to Esurance or Infinity, but between the two, which company will offer you cheaper rates?

Esurance Infinity

Looking at nationwide averages, Esurance has average rates that are around 40% a month more expensive than those from Infinity.

But Infinity may not be the lowest or best option for each driver out there. Auto insurance carriers use tons of complex algorithms to determine premiums, so depending on how clean your driving record is or how good your credit score is (among several other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Esurance and Infinity by a variety of different rate factors, so read on to find out which company is the best for you.

Esurance vs. Infinity: Average Car Insurance Rates by State

State Esurance Infinity

Esurance and Infinity only compete against each other in California, where Esurance offers the cheaper average rates. Esurance drivers tend to pay about $30 per month less on average compared to drivers who use Infinity for their car insurance.

That being said, there are plenty of other factors that go into your insurance payment than just your home state. Read on to learn more.

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Which is the Best Company For Young Drivers?

Esurance Infinity
18-year-old drivers$711$468
25-year-old drivers$233$147

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. Typically, that's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of almost 35% less a month by choosing Infinity over Esurance. It's worth noting that Esurance offers car insurance in 11 different states compared to Infinity's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your prices decrease significantly by the time you turn 25. For example, average rates for Esurance policyholders reduce over 65% and Infinity's premiums drop nearly 70% over that time.

Which is the Best Company for Retired Drivers?

Esurance Infinity
65+-year-old drivers$232$134

Drivers around retirement age usually enjoy some of the most affordable auto insurance rates out there. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can raise prices.

When looking at Esurance and Infinity specifically, which carrier is best for retired drivers? Infinity gets the edge, with premiums for drivers 65 and older $98 more affordable than the national average for Esurance.

Which is the Best Company for Married Drivers?

Esurance Infinity

Married couples tend to get slightly cheaper insurance prices than those who are single. That's normally because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average rates between these two carriers is significant, with Infinity premiums coming in at a third less than Esurance's. The advantage is also clear for married policyholders - Infinity offers the cheapest average prices.

Esurance or Infinity: Average Rates by Gender

Esurance Infinity

Because women are less likely to get tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, insurance companies will often charge women less than men.

On average, women see rates about $20 per month less expensive with Esurance; everyone gets the same monthly premiums regardless of gender with Infinity.

When it comes to the lowest rates for each gender, Infinity offers the cheapest average prices for both men and women, with average rates $131 less for men and $110 cheaper for women.

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

Esurance Infinity
State Minimum*$201$93
Full Coverage**$396$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.

Car insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

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 a month to Esurance's $396.

Is Esurance or Infinity Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that accidents and speeding tickets lead to higher premiums, but which company -- Esurance or Infinity -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Esurance Infinity
Clean Record$242$128
1 Speeding Ticket$287$160

Policyholders who use Esurance for their car insurance can usually expect their monthly bill to go up about 16% after getting a speeding ticket. Infinity policyholders can expect a bit more drastic of an increase of around 20%.

That being said, Infinity tends to offer the best prices for drivers both with a ticket and with a clean record, offering prices that are $114 and $127 more affordable, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Esurance Infinity
Clean Record$242$128
1 At-Fault Accident$364$211

After an accident, drivers who have their insurance through Esurance can expect to see about an $122 -- or around 34% -- rise in their car insurance rates. Drivers who use Infinity for their auto insurance will see a monthly bill about $83 (or 39%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, the less expensive premiums come from Infinity, with average prices coming in at $211 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

Esurance Infinity
Clean Record$242$128
1 DUI$301$211

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, Infinity increases average premiums by nearly $85 per month -- that's nearly a 40% increase.

Infinity has the overall cheapest rates for drivers with a DUI on their records at $211 a month, but it's worth noting that Esurance's average rates come from 11 states compared to just one for Infinity, so the data may be skewed slightly.

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How does Credit Score Impact Esurance and Infinity Rates?

Did you know many car insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it does affect a lot of drivers out there.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper premiums.

So, which company offers the lowest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Esurance Infinity
Excellent Credit Score$214No Data Available
Good Credit Score$266No Data Available

You'll often be rewarded if you have fantastic credit. Jumping from a "good" credit score to an "excellent" one will generally save Esurance customers around $50. On the other hand, Infinity 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?

Esurance Infinity
Fair Credit Score$305No Data Available
Poor Credit Score$424No Data Available

Having bad credit normally means you'll also see higher premiums with Esurance. If your credit score is in the "poor" range, at Esurance, you may pay about 30% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, Infinity doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Infinity over Esurance.

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

Esurance Infinity
6,000 Annual Miles$298$167
12,000 Annual Miles$299$189

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 more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Infinity tends to be the more affordable option. Esurance's average rates for drivers with 6,000 annual miles come in around 44% more expensive than Infinity. Those who drive 12,000 miles every year can expect to pay about 37% more with Esurance over Infinity.

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

Where you call home can have a large impact on your monthly auto insurance bill. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer vehicles on the roads where they live.

Esurance Infinity
Urban Areas$396$198
Suburban Areas$288$186
Rural Areas$211$149

Infinity boasts the lowest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 29% with Infinity compared to Esurance. People who live in suburban areas pay about 35% less with Infinity compared to Esurance. For policyholders in urban ZIP codes, Infinity Insurance's average prices are around 50% less than Esurance.

Esurance vs. Infinity Discounts

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

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Esurance and Infinity offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Esurance Infinity
ABS Discount 
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount 
Defensive Driver Discount
DRL Discount 
Education Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount 
Multi-Policy Discount 
Online Quote Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount 

Esurance blows Infinity away when it comes to the sheer amount of discounts available, offering 24 different discounts to Infinity's three.

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 Esurance 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 Esurance or Infinity Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is Esurance or Infinity the best one for you and your specific needs?

Infinity might be best for you if....

  • Your driving record includes a DUI charge.
  • You want the most robust protection via a "full coverage" policy.
  • You and your spouse are buying car insurance together.

Esurance might be best for you if...

  • Your credit is below-average.
  • You have above-average credit.
  • You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Esurance and Infinity. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Esurance 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 carriers in your area, all for free.

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Esurance vs. Infinity FAQs

Is Esurance or Infinity cheaper?

Infinity is the less expensive of the two companies when looking at national average rates, with policies averaging $178 per month with Infinity and $299 for Esurance. But that doesn't mean Infinity will be the cheapest carrier for each driver, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Esurance 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 the makeup of your unique car insurance profile. For example, Esurance is cheaper for drivers with excellent credit, while Infinity offers more affordable premiums for drivers with a recent DUI.

Why do Esurance and Infinity offer me different rates?

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

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your information once 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 rate. And maybe you'll find that the best carrier for you isn't Esurance 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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