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

If you're in the market for a new insurance policy, you might be wondering how Infinity and GEICO compare when it comes to the lowest rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for auto insurance, Infinity offers slightly cheaper premiums than GEICO
  • GEICO has more affordable prices for people who are single and purchasing car insurance by yourself
  • Infinity offers less expensive average premiums for residents of rural areas

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to GEICO or Infinity as potential options, but between the two, which company will offer you more affordable rates?

GEICO Infinity

As you can see, Infinity is about $7 per month cheaper than GEICO when looking at the national average rates for auto insurance.

But Infinity may not be the most affordable or best option for every driver out there. Insurance companies vary their prices depending on things like how old you are, how good your credit score is, where you live, how clean your driving record is, and all sorts of other factors. So, at the end of the day, rates from each company will differ quite a bit from person to person.

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

GEICO or Infinity: Average Car Insurance Rates by State

State GEICO Infinity

GEICO and Infinity only compete against each other in California, where GEICO offers the cheaper average prices. For California residents, GEICO offers auto insurance for $142 per month on average. Infinity's average rates come out to be over 20% more expensive, at $178 monthly.

That being said, there are plenty of other factors that go into your insurance cost than just where you live. Read on to learn more.

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Which is the Best Company For Young Drivers?

GEICO Infinity
18-year-old drivers$369$468
25-year-old drivers$163$147

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use GEICO save nearly $100 a month compared to those who use Infinity. It's worth noting that GEICO offers car insurance in 50 different states compared to Infinity's one, which can skew the average prices a bit, but the difference here is still considerable.

However, both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for GEICO policyholders reduce more than $200 and Infinity's premiums decrease around $300 over that time.

Which is the Best Company for Retired Drivers?

GEICO Infinity
65+-year-old drivers$148$134

Once you approach retirement age, you'll usually enjoy the cheapest auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

When looking at GEICO and Infinity specifically, which company is best for retired drivers? Infinity gets the slight edge here, with average prices coming in at about $134 a month compared to GEICO's $148.

Which is the Best Company for Married Drivers?

GEICO Infinity

Married drivers tend to get slightly less expensive car insurance premiums than single drivers. This usually boils down to married couples having multiple cars on their policy -- something several auto insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for single policyholders, with prices only differing around $12 per month, on average. But for married policyholders, the advantage is clear - Infinity has the edge when it comes to average rates.

GEICO vs. Infinity: Average Rates by Gender

GEICO Infinity

Because men are more likely to get into collisions and get speeding tickets, they have an increased chance of filing a claim with insurance. Therefore, insurance companies will often charge men more than women.

Men generally pay about 4% more a month than women with GEICO; men and women end up paying the same monthly prices with Infinity.

Looking at overall affordability, Infinity comes out as the most affordable option for both genders, with average rates $11 less for men and $3 cheaper for women.

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

GEICO Infinity
State Minimum*$101$93
Full Coverage**$269$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 lots of different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum liability limits, Infinity normally offers slightly cheaper premiums of $93 compared to GEICO's $101. When it comes to full coverage policies with similar limits, Infinity again has the edge, with policies around $7 per month more affordable than GEICO, on average.

Is GEICO 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 at-fault accidents on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO Infinity
Clean Record$115$128
1 Speeding Ticket$150$160

GEICO policyholders can expect their rates to go up an average of $35 a month if they get a ticket, while Infinity typically raises premiums about $32 per month, on average.

Even so, GEICO tends to offer the best prices for drivers both with clean records and with a speeding ticket -- their rates are around 10% less expensive for drivers with clean records and 6% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

GEICO Infinity
Clean Record$115$128
1 At-Fault Accident$200$211

Both companies will increase rates pretty significantly if you get into an at-fault accident with GEICO increasing by $85. Infinity has a less extreme increase, but you can still expect to pay just under $85 more than you were prior to your first collision.

Overall, drivers who use GEICO end up with the cheaper prices after an accident, with monthly prices averaging $200 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

GEICO Infinity
Clean Record$115$128
1 DUI$275$211

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or ticket. GEICO drivers usually see a 58% raise in their insurance premiums after a DUI charge, while Infinity will normally climb prices by around 39%.

Infinity has the overall lowest rates for drivers with a DUI on their records at $211 monthly, but it's worth noting that GEICO's average rates come from 50 states compared to just one for Infinity, so the data may be skewed slightly.

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How does Credit Score Impact GEICO and Infinity Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will typically be forced to pay more.

So, which carrier offers the most affordable rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

GEICO Infinity
Excellent Credit Score$131No Data Available
Good Credit Score$164No Data Available

If you have great credit, GEICO will usually reward you. Jumping from a "good" credit score to an "excellent" one will generally save GEICO customers about $35. Because Infinity, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

GEICO Infinity
Fair Credit Score$197No Data Available
Poor Credit Score$253No Data Available

If you have bad credit, it can cost you with GEICO. For drivers with less-than-stellar credit, at GEICO, you may pay around 20% 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, because Infinity doesn't have data available for credit scores, they could have better prices for drivers with bad credit over GEICO.

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

GEICO Infinity
6,000 Annual Miles$181$167
12,000 Annual Miles$189$189

How much you drive can have a large impact on your monthly auto insurance bill. Usually, those who drive fewer miles will end up with more affordable rates since there's less of a chance of getting into a collision and causing an insurance claim.

Looking specifically at GEICO and Infinity, Infinity is the less expensive option for people who work from home, while Infinity has better prices for those with short commutes. GEICO's average premiums for drivers with 6,000 annual miles come in about 8% more expensive than Infinity. Those who drive 12,000 miles annually can expect to pay around 0% more with Infinity over GEICO.

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

Where you call home can have a considerable impact on your monthly car insurance payment. Normally, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads in those areas.

GEICO Infinity
Urban Areas$211$198
Suburban Areas$185$186
Rural Areas$159$149

When comparing these two companies side-by-side, Infinity typically comes out as the cheaper option for drivers in rural and urban areas, while GEICO wins in suburban areas.

In urban areas, Infinity Insurance's average prices are about $13 less than GEICO. Drivers in suburban ZIP codes pay around $1 less with GEICO compared to Infinity. If you live in a rural area, you can expect to save about $10 with Infinity compared to GEICO.

GEICO vs. Infinity Discounts

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

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts GEICO and Infinity offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

GEICO Infinity
ABS Discount 
Anti-Theft Discount 
Commercial Drivers License Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Deployed Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount 
Multi-Policy Discount 
New Vehicle Discount 

GEICO knocks Infinity out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Infinity's three.

Both carriers 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 GEICO also offers ABS discounts, anti-theft discounts, commercial drivers license discounts, and more that Infinity does not.

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

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Final Thoughts: Is GEICO or Infinity Best for You?

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

GEICO might be best for you if....

  • You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
  • You've received a ticket for speeding recently and don't want to see your premiums increase.
  • You're looking for discounts -- GEICO has the most.

Infinity might be best for you if...

  • You live in one of the following states: California.
  • You're looking for more protection with "full coverage" car insurance.
  • You are over 65 years old and want to save some money on your insurance.

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

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GEICO vs. Infinity FAQs

Is GEICO or Infinity cheaper?

Looking just at the national average rates, Infinity is the less expensive of the two carriers, offering average rates of $178 per month compared to $185 for GEICO. That being said, Infinity won't necessarily be the lowest carrier for every policyholder, since there are many different variables that come into play when it comes to your insurance bill.

Who is better, GEICO or Infinity?

Unfortunately, the real answer is "it depends.". No single company is necessarily "better" for each driver -- it all boils down to your unique auto insurance profile. For example, Infinity offers more affordable prices for drivers with a recent DUI, while GEICO is cheaper for drivers with excellent credit.

Why do GEICO and Infinity offer me different rates?

Car insurance companies take a look at a lot of different factors when calculating the rates they charge drivers. Things such as gender, where your home is, age, your driving record, and sometimes even things like your credit score can all come into play. Both GEICO and Infinity calculate premiums differently, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the insurance company 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 information once 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 premium. And who knows, the best carrier for you might not be GEICO 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.

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