First American Property & Casualty vs. Infinity: Which Company is the Best Fit for You?

Wondering if First American Property & Casualty or Infinity is the best auto insurance carrier for you, your vehicle, and your wallet? We've broken down all the prices 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
Why You Can Trust Compare.com trust shield

At Compare.com, 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 Compare.com.

Quick Facts

  • Looking at the national averages for car insurance, First American Property & Casualty offers slightly more affordable premiums than Infinity
  • First American Property & Casualty offers less expensive average rates for policyholders who live in rural neighborhoods
  • Infinity offers more affordable prices for drivers with a DUI


First American Property & Casualty or Infinity: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to First American Property & Casualty or Infinity for your next policy, but between the two, which one has cheaper premiums for insurance?

First American Property & Casualty Infinity
$167$178

Looking at the national average rates for both carriers, Infinity is around $11 more a month than First American Property & Casualty.

Even so, that doesn't necessarily mean First American Property & Casualty will be the less expensive option for each driver. Auto insurance companies vary their rates depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors, so premiums could vary drastically from person to person.

So, if you want to find out which of First American Property & Casualty or Infinity is really the best for you, keep reading to see average prices for each company broken down by many different rate factors.

First American Property & Casualty vs. Infinity: Average Car Insurance Rates by State

State First American Property & Casualty Infinity
CA$167$178

Both First American Property & Casualty and Infinity only offer car insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. First American Property & Casualty drivers tend to pay about $11 per month less on average compared to drivers who use Infinity for their auto insurance.

Typically, where you live will play a big role in how much you pay for insurance, but since both companies only do business in California, a bunch of other variables will come into play when you compare First American Property & Casualty and Infinity. Continue reading to learn more about how other factors will affect your rates.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers?

First American Property & Casualty Infinity
18-year-old drivers$359$468
25-year-old drivers$155$147

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use First American Property & Casualty save over 25% a month compared to those who use Infinity.

That being said, both carriers will drop prices by the time drivers turn 25. Infinity offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. First American Property & Casualty's average premiums decrease more than 55% during that same period.

Which is the Best Company for Retired Drivers?

First American Property & Casualty Infinity
65+-year-old drivers$121$134

Drivers around retirement age usually enjoy some of the most affordable auto insurance rates you'll ever find. After all, they've likely been driving for quite some time, which normally reduces their chances of collisions and other infractions that can raise prices.

But who has the best rates for retired drivers between First American Property & Casualty and Infinity? First American Property & Casualty gets the slight edge, with premiums for drivers 65 and older almost 10% more affordable than the national average for Infinity.

Which is the Best Company for Married Drivers?

First American Property & Casualty Infinity
Single$193$220
Married$131$121

You may not be aware, but car insurance prices tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married couples typically cover multiple vehicles, which several companies will give you a discount for.

For those who are single, the difference in average rates between these two carriers is significant, with First American Property & Casualty premiums coming in at about 10% less than Infinity's. But for married drivers, that advantage is much less clear - Infinity has the edge when it comes to average prices , but the difference is only $10.

First American Property & Casualty or Infinity: Average Rates by Gender

First American Property & Casualty Infinity
Male$167$178
Female$167$178

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

With First American Property & Casualty, everyone ends up paying the same monthly premiums regardless of gender; women and men end up paying same monthly rates with Infinity.

Looking at overall affordability, First American Property & Casualty offers the lowest average prices for both men and women, with average premiums $11 less for men and $11 cheaper for women.


Find your best rate in just a few minutes


First American Property & Casualty vs. Infinity: Compare State Minimum vs. Full Coverage Rates

First American Property & Casualty Infinity
State Minimum*$70$93
Full Coverage**$263$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, car insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

But most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

When it comes to state minimum limits for liability insurance, First American Property & Casualty has the edge, while Infinity offers the cheapest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $25 with First American Property & Casualty, while full coverage comes out to be around $1 cheaper with Infinity Insurance.

Is First American Property & Casualty or Infinity Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto 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 accidents will most likely raise your prices, but is First American Property & Casualty or Infinity less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

First American Property & Casualty Infinity
Clean Record$119$128
1 Speeding Ticket$145$160

Drivers who use First American Property & Casualty for their insurance can normally expect their monthly bill to go up about 18% after getting a speeding ticket. Infinity policyholders can expect a bit more drastic of an increase of around 20%.

However, First American Property & Casualty tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 7% cheaper for drivers with clean records and 9% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

First American Property & Casualty Infinity
Clean Record$119$128
1 At-Fault Accident$145$211

Both companies will increase premiums pretty significantly if you get into an at-fault collision with Infinity climbing by about 39%. First American Property & Casualty has a less extreme increase, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, drivers who use First American Property & Casualty end up with the cheaper prices after an accident, with average rates coming in at $145 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

First American Property & Casualty Infinity
Clean Record$119$128
1 DUI$256$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 car insurance bill. On average, First American Property & Casualty will climb your premiums around 54% after a DUI, while Infinity's average rates rise by just under 40%.

But if you end up with a DUI charge and are looking for more affordable prices, Infinity tends to be less expensive for the average driver, with monthly premiums coming in at about $211 to First American Property & Casualty's $256.


Find your best rate in just a few minutes


How does Credit Score Impact First American Property & Casualty and Infinity Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly auto insurance rates. This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few policyholders.

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

So, which carrier offers the best premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

First American Property & Casualty Infinity
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

First American Property & Casualty Infinity
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

Find your best rate in just a few minutes


Is First American Property & Casualty or Infinity Better for Drivers who Work from Home or Have Short Commutes?

First American Property & Casualty Infinity
6,000 Annual Miles$141$167
12,000 Annual Miles$192$189

Did you know that the amount of time you spend in your car have a pretty big impact on how much auto insurance companies will charge for coverage? Generally, those who drive less will end up with cheaper prices since there's less of a chance of causing a collision and filing an insurance claim.

Looking specifically at Infinity and First American Property & Casualty, Infinity is the more affordable option for people with short commutes, while Infinity has better rates for those who work from home. First American Property & Casualty average prices for drivers with 6,000 annual miles come in more than $25 less expensive than Infinity. Those who drive 12,000 miles yearly can expect to pay $3 less with Infinity over First American Property & Casualty.

First American Property & Casualty or Infinity: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a large impact as well. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of vehicles that are on the roads where they live.

First American Property & Casualty Infinity
Urban Areas$172$198
Suburban Areas$188$186
Rural Areas$140$149

Looking at these carriers side-by-side, First American Property & Casualty tends to offer the lowest option for drivers in rural and urban areas, while Infinity wins in suburban areas.

If you live in a rural area, you can expect to pay around $140 monthly with First American Property & Casualty compared to Infinity's $149. People in suburban areas pay about $186 with Infinity compared to First American Property & Casualty's $188 per month. In urban areas, First American Property & Casualty's average prices are around $172 per month compared to Infinity's $198.

First American Property & Casualty vs. Infinity Discounts

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

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by First American Property & Casualty and Infinity so that you can find the company that has the most discounts and, therefore, the largest savings.

First American Property & Casualty Infinity
Anti-Theft Discount 
Defensive Driver Discount 
Distant Student Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount 
Passive Restraint Discount 
Renewal Discount 

First American Property & Casualty blows Infinity away when it comes to the sheer amount of discounts available, offering seven more discounts than Infinity.

A couple of those are overlapping for things like discounts for being a good driver and discounts for being a good student. First American Property & Casualty also offers discounts for anti-theft, distant student, group discount, and more.

On the other hand, Infinity has a proprietary discount of their own -- a defensive driver discounts.


Find your best rate in just a few minutes


Final Thoughts: Is First American Property & Casualty or Infinity Best for You?

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

First American Property & Casualty might be best for you if....

  • You have a clean driving record, free of collisions, tickets, or DUIs.
  • You want to save money on your car insurance after an accident.
  • You drive fewer than 6,000 miles each year.


Infinity might be best for you if...

  • You want the most robust protection via a "full coverage" policy.
  • You drive fewer than 12,000 miles annually.
  • You're married and plan to have both of your names on the vehicle's insurance policy.

Hopefully, this guide has ben a valuable resource as you compare First American Property & Casualty and Infinity and that you can now make a more informed decision when it comes to 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 a handful of carriers, not just First American Property & Casualty and Infinity. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.


Find your best rate in just a few minutes


First American Property & Casualty vs. Infinity FAQs

Is First American Property & Casualty or Infinity cheaper?

First American Property & Casualty is the more affordable of the two carriers when looking at national average premiums, with policies averaging $167 a month with First American Property & Casualty and $178 for Infinity. That being said, that doesn't mean First American Property & Casualty will be the cheapest carrier for every policyholder, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, First American Property & Casualty or Infinity?

Unfortunately, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do First American Property & Casualty and Infinity offer me different rates?

Insurance companies use a lot of different factors when determining the rates they charge. Things like your driving record, where you park your car, gender, age, and sometimes even things like your credit score can all be used. Both First American Property & Casualty and Infinity use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different carriers.

How do I know if First American Property & Casualty 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 multiple companies 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 area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't First American Property & Casualty or Infinity at all, but another you hadn't even thought of!


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.

About Compare.com

Compare.com'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 Compare.com'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 Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com'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 Compare.com 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