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

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

  • Looking at the national averages for auto insurance, Infinity offers less expensive prices than Farmers
  • Farmers may help you save more money -- they offer more discounts than Infinity Insurance
  • Infinity has cheaper rates for policyholders who live in suburban areas

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

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Farmers or Infinity, but between the two, which one will save you the most?

Farmers Infinity

Looking at nationwide averages, Farmers has average rates that are around 12% a month more expensive than those from Infinity.

However, that doesn't mean Infinity will necessarily be less expensive than Farmers for every driver. Insurance carriers vary their premiums depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and tons of other factors, so rates could differ drastically from person to person.

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

Farmers vs. Infinity: Average Car Insurance Rates by State

State Farmers Infinity

Farmers and Infinity only compete against each other in California, where Farmers offers the cheaper average rates. Farmers drivers tend to pay about $10 per month less on average compared to drivers who use Infinity for their auto insurance.

But there's more to calculating car insurance premiums than just where you call home. Continue reading to see how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

Farmers Infinity
18-year-old drivers$533$468
25-year-old drivers$155$147

Teen drivers will almost always have the most expensive insurance prices 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 that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Infinity for their auto insurance pay 10% less than those who use Farmers. It's worth noting that Farmers offers insurance in 25 different states compared to Infinity's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Farmers policyholders lower over 70% and Infinity's premiums reduce almost 70% over that time.

Which is the Best Company for Retired Drivers?

Farmers Infinity
65+-year-old drivers$143$134

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

So, which company offers the best prices to retired drivers? Infinity gets the slight edge, with rates for drivers 65 and older $9 more affordable than the national average for Farmers.

Which is the Best Company for Married Drivers?

Farmers Infinity

Did you know that car insurance premiums are typically cheaper for married couples than they are for single drivers? This usually boils down to married policyholders having more than one vehicle on their policy -- something lots of insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Infinity premiums coming in at about 10% less than Farmers's. The advantage for married drivers with Infinity is also obvious, where drivers save around $25 a month.

Farmers or Infinity: Average Rates by Gender

Farmers 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 car insurance than women.

With Farmers, women generally pay about 3% per month less than men; men and women end up paying the same monthly rates with Infinity.

When it comes to the most affordable prices for each gender, Infinity offers the lowest average rates for both men and women. On average, male drivers save about $29 a month and women save around $22 with Infinity compared to the average Farmers policyholder.

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

Farmers Infinity
State Minimum*$126$93
Full Coverage**$281$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 bunch of different coverages that account for a variety of 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 (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages alongside 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 about $262 per month to Farmers's $281.

Is Farmers or Infinity Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their 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 at-fault collisions will most likely raise your prices, but is Farmers or Infinity more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers Infinity
Clean Record$162$128
1 Speeding Ticket$206$160

Policyholders who use Farmers for their auto insurance can typically expect their monthly bill to go up around 21% after getting a speeding ticket. Infinity policyholders can expect a less drastic increase of about 20%.

Even so, Infinity tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering premiums that are 21% and 22% less expensive, respectively, compared to Farmers Insurance.

Which Company is Best for Drivers After an Accident?

Farmers Infinity
Clean Record$162$128
1 At-Fault Accident$224$211

Farmers drivers who get in a collision can expect to see their prices rise by just under 30%, while those who have insurance through Infinity will see around a 40% increase.

At the end of the day, drivers who use Infinity end up with the cheaper prices after an accident, with average rates coming in at $211 compared to Farmers Insurance's $224.

Which Company is Best for Drivers with a DUI?

Farmers Infinity
Clean Record$162$128
1 DUI$221$211

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than an accident or speeding ticket. For example, Infinity increases average prices by nearly $85 a month -- that's nearly a 40% increase.

Infinity has the overall most affordable premiums for drivers with a DUI on their records at $211 per month, but it's worth noting that Farmers's average rates come from 25 states compared to just one for Infinity, so the data may be skewed slightly.

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How does Credit Score Impact Farmers and Infinity Rates?

Did you know many car insurance carriers take your credit score into account when determining rates? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it does affect quite a few policyholders 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, drivers with good credit will often be rewarded with cheaper premiums.

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

Which Company is Best for Drivers with Good Credit?

Farmers Infinity
Excellent Credit Score$164No Data Available
Good Credit Score$185No Data Available

You'll often be rewarded if you have stellar credit. With Farmers Insurance, improving your score from "good" to "excellent" will normally save you about 10%. 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?

Farmers Infinity
Fair Credit Score$209No Data Available
Poor Credit Score$256No Data Available

Having bad credit usually means you'll also see higher premiums with Farmers Insurance. As you can see, Farmers Insurance customers with poor credit scores pay around $45 per month more than those with fair scores (and even more compared to drivers with good or excellent scores). Because undefined doesn't have data available for credit scores, they may have better prices for drivers with bad credit over Farmers Insurance.

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

Farmers Infinity
6,000 Annual Miles$203$167
12,000 Annual Miles$203$189

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance bill. That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Farmers charges. However, there's a pretty significant difference in monthly rates for Infinity, with policyholders who drive 6,000 miles every year paying about $22 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Infinity is the more affordable company.

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

Where your home is can have a big impact on your monthly car insurance payment. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads where they live.

Farmers Infinity
Urban Areas$251$198
Suburban Areas$189$186
Rural Areas$170$149

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

Those in rural areas can expect to save around 12% with Infinity compared to Farmers. People who live in suburban areas pay about 2% less with Infinity compared to Farmers. For drivers in urban ZIP codes, Infinity Insurance's average prices are around 21% less than Farmers Insurance.

Farmers 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 auto insurance discounts as possible.

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 can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Farmers and Infinity so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Farmers Infinity
ABS Discount 
Advance Quote Discount 
Alternative Fuel Discount 
Anti-Theft Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
EFT Discount 
ESC Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Life Policy Discount 
Loyalty Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount 
Paid In Full Discount 

Farmers blows Infinity away when it comes to the sheer amount of discounts available, offering 25 more discounts than Infinity.

Both carriers offer quite a few 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 Farmers also offers discounts for ABS, advance quote, alternative fuel, and more.

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

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Final Thoughts: Is Farmers 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 carrier offers, too. That's all well and good, but when it comes down to it, which company is the best company for you and your specific driver profile?

Infinity might be best for you if....

  • You've been pulled over for speeding recently.
  • You live in an suburban area.
  • You don't spend much time in your car.

Farmers might be best for you if...

  • Your credit is below-average.
  • You have above-average credit.
  • You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Farmers and Infinity and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Farmers and Infinity. Luckily, does all the hard work for you. Simply 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.

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Farmers vs. Infinity FAQs

Is Farmers or Infinity cheaper?

Infinity is the less expensive of the two carriers when looking at national average premiums, with policies averaging $178 a month with Infinity and $203 for Farmers. That being said, that doesn't mean Infinity will be the cheapest company for every driver, since there are a range of different variables that are considered when it comes to your car insurance cost.

Who is better, Farmers or Infinity?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Farmers is cheaper for drivers with excellent credit, while Infinity offers more affordable prices for drivers with a recent DUI.

Why do Farmers and Infinity offer me different rates?

Car insurance companies use many different factors when calculating the rates they charge. Things such as where you live, age, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both Farmers and Infinity calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the insurance carrier 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, sites like make it easy for you to do just that. Just enter your ZIP code 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 most affordable rate. And maybe you'll find that the best company for you isn't Farmers 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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