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

You've probably seen ads offering big savings on auto insurance, but are Grange or Infinity right for you? Which carrier offers the cheapest rates, or the most discounts? Read on to see how Grange and Infinity compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
Why You Can Trust trust shield

At, 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

Quick Facts

  • In general, Infinity offers significantly cheaper premiums than Grange
  • Grange may help you save more money -- they offer more discounts than Infinity Insurance
  • Infinity has less expensive prices for policyholders who live in suburban areas

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

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

You might have narrowed it down to Grange or Infinity as potential options, but which carrier will save you the most?

Grange Infinity

Looking at nationwide averages, Grange is quite a bit more expensive than Infinity, with premiums averaging $249 a month compared to just $178 with Infinity.

That being said, that doesn't mean Infinity will necessarily be more affordable than Grange for every driver. Insurance carriers vary their prices depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and tons of other factors. So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

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

Grange vs. Infinity: Average Car Insurance Rates by State

State Grange Infinity

Grange and Infinity only compete against each other in California, where Grange offers the cheaper average prices. Grange drivers tend to pay about $41 per month less on average compared to drivers who use Infinity for their car insurance.

There are plenty of other factors that go into your insurance payment than just your home state. Keep reading to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Grange Infinity
18-year-old drivers$551$468
25-year-old drivers$205$147

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

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Infinity for their insurance pay almost 15% less than those who use Grange.

However, with both companies, you'll see your prices lower significantly by the time you turn 25. For example, average rates for Grange policyholders drop around $350 and Infinity's prices decrease about $300 over that time.

Which is the Best Company for Retired Drivers?

Grange Infinity
65+-year-old drivers$200$134

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

When looking at Grange and Infinity specifically, which carrier is best for retired drivers? Infinity gets the edge here, with average prices coming in at around $134 per month compared to Grange's $200.

Which is the Best Company for Married Drivers?

Grange Infinity

You may not be aware, but car insurance premiums tend to be more expensive for those who are single than they are for married policyholders. That's normally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average rates between these two carriers is significant, with Infinity premiums coming in at a quarter less than Grange's. The advantage for married drivers with Infinity is also obvious, where drivers save over $70 a month.

Grange or Infinity: Average Rates by Gender

Grange Infinity

Because women are less likely to get into collisions and get speeding tickets, they run a lower risk of filing a claim with insurance. So, women tend to pay less for auto insurance than men.

On average, men see rates about $10 per month higher with Grange; and with Infinity, both genders end up paying the same monthly rate.

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 $77 a month and women save around $65 with Infinity compared to the average Grange policyholder.

Find your best rate in just a few minutes

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

Grange Infinity
State Minimum*$185$93
Full Coverage**$313$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.

It's no secret that car insurance can be a complicated subject for most people. There are so many different terms and coverages 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 if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability limits, 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 Grange's $313.

Is Grange or Infinity Better for Drivers with Spotty Records?

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

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Grange Infinity
Clean Record$180$128
1 Speeding Ticket$235$160

Policyholders who use Grange for their car insurance can generally expect their monthly bill to go up around 23% after getting a speeding ticket. Infinity policyholders can expect a less drastic increase of about 20%.

However, Infinity tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering prices that are 29% and 32% cheaper, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Grange Infinity
Clean Record$180$128
1 At-Fault Accident$266$211

Grange drivers who get in an accident can expect to see their premiums increase by over 30%, while those who have insurance through Infinity will see around a 40% increase.

At the end of the day, the more affordable rates come from Infinity, with average prices coming in at $211 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

Grange Infinity
Clean Record$180$128
1 DUI$314$211

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than a collision or speeding ticket. On average, Grange will climb your premiums about 43% after a DUI, while Infinity's average rates climb by nearly 40%.

But if you end up with a DUI charge and are looking for more affordable premiums, Infinity tends to be less expensive for the average driver, with monthly premiums coming in at around $211 to Grange's $314.

Find your best rate in just a few minutes

How does Credit Score Impact Grange and Infinity Rates?

Did you know many 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 will come into play for several policyholders.

Car insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Grange Infinity
Excellent Credit Score$193No Data Available
Good Credit Score$223No Data Available

Normally, if you have stellar credit, you can expect to be rewarded. With Grange Insurance, improving your score from "good" to "excellent" will normally save you about $30. Because undefined, 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?

Grange Infinity
Fair Credit Score$252No Data Available
Poor Credit Score$343No Data Available

Having bad credit can cost you with Grange Insurance. If your credit score is in the "poor" range, at Grange Insurance, you may pay around $90 more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with undefined over Grange Insurance.

Find your best rate in just a few minutes

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

Grange Infinity
6,000 Annual Miles$248$167
12,000 Annual Miles$250$189

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly prices? Typically, the more milage you put on your car, the more you can expect to pay for insurance.

For both remote workers and those taking short commutes, Infinity tends to be the cheaper option. Infinity's average premiums for drivers with 6,000 annual miles come in just under 35% more affordable than Grange. Those who drive 12,000 miles annually can expect to pay nearly 25% less with Infinity over Grange.

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

Where you call home can play a large role in how much you pay for auto insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Grange Infinity
Urban Areas$292$198
Suburban Areas$235$186
Rural Areas$220$149

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

For drivers in urban ZIP codes, Infinity Insurance's average premiums are about $94 less than Grange Insurance. People who live in suburban areas pay around $49 less with Infinity compared to Grange. Those in rural areas can expect to save about $71 with Infinity compared to Grange.

Grange vs. Infinity Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many 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're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Grange and Infinity so that you can find the one that has the most discounts and, therefore, the largest savings.

Grange Infinity
ABS Discount 
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Legacy Discount 
Life Policy Discount 
Mature Driver Discount 
Multi-Car Discount 

Grange 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 Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

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

Find your best rate in just a few minutes

Final Thoughts: Is Grange or Infinity Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which insurance company is the best company for you and your specific profile and needs?

Infinity might be best for you if....

  • Your driving record includes a DUI charge.
  • You live in an suburban area.
  • You and your spouse are buying car insurance together.

Grange might be best for you if...

  • You have below-average credit.
  • Your credit score is high.
  • You care about discounts (Grange offers the most).

Hopefully, this guide helps you get a good idea of the differences between Grange 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Grange and Infinity. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Find your best rate in just a few minutes

Grange vs. Infinity FAQs

Is Grange 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 $249 for Grange. Even so, that doesn't mean Infinity will be the most affordable carrier for every driver, since there are a range of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Grange or Infinity?

Unfortunately, the answer truly is "it depends.". Neither company is necessarily "better" for each policyholder -- it all depends on what your unique auto insurance profile looks like. For example, Grange is more affordable for drivers with excellent credit, while Infinity offers less expensive premiums for drivers with a recent DUI.

Why do Grange and Infinity offer me different rates?

Insurance carriers use lots of different variables when calculating the prices they charge. Things such as your driving record, gender, where you live, age, and sometimes even things like your credit score can all be taken into consideration. Both Grange and Infinity calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers 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 quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best carrier for you isn't Grange 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.

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