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

Quick Facts

• Looking at the national averages for auto insurance, Nationwide offers slightly less expensive rates than Infinity
• Infinity offers more affordable prices for policyholders who are looking to purchase insurance with a spouse
• Nationwide has cheaper rates for policyholders whose driving record contains an at-fault collision

Infinity or Nationwide: 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 Infinity or Nationwide for your next policy, but between the two, which carrier has more affordable prices for insurance?

As you can see, Infinity is around $8 more a month than Nationwide when looking at the national average rates for auto insurance.

Even so, Nationwide may not be the most affordable or best option for each driver out there. Car insurance carriers use a variety of complex algorithms to determine premiums, so depending on how clean your driving record is or where you live (among a multitude of other factors), you could see wildly different rates from the ones above.

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

Infinity vs. Nationwide: Average Car Insurance Rates by State

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

That being said, there's a lot more that goes into your insurance bill than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers. It's normally 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.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of almost 20% less a month by choosing Nationwide over Infinity.

However, with both companies, you'll see your premiums drop significantly by the time you turn 25. For example, average rates for Infinity policyholders decrease about $300 and Nationwide's prices lower around $250 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest insurance rates you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise prices.

When looking at Infinity and Nationwide specifically, which company is best for retired drivers? Nationwide gets the slight edge, with premiums for drivers 65 and older $9 cheaper than the national average for Infinity.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are normally more expensive for those who are single than they are for married couples? This usually boils down to married policyholders having more than one vehicle on their policy -- something several auto insurance carriers will reward with discounts.

When it comes to relationship status, Nationwide is the winner for single drivers, with rates nearly 10% per month less expensive than Infinity, on average.

Infinity or Nationwide: Average Rates by Gender

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

Men and women get the same monthly premiums with Infinity, but with Nationwide, the difference is closer to $12 a month.

Looking at the data for each carrier specifically, Nationwide comes out on top for both men and women. On average, male drivers save about $2 per month and women save about $14 with Nationwide compared to the average Infinity policyholder.

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

*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 isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

But most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

When it comes to state minimum liability limits, Infinity has the edge, while Nationwide offers the lowest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $20 with Infinity Insurance, while full coverage comes out to be around $35 more affordable with Nationwide.

Is Infinity or Nationwide Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Infinity for their insurance can generally expect their monthly bill to go up about 20% after getting a speeding ticket. Nationwide policyholders can expect a less drastic increase of around 16%.

That being said, Nationwide has less expensive premiums for drivers in both categories. With Nationwide, drivers with a clean record can save about $3 a month and drivers with a ticket can save around $11 per month.

Which Company is Best for Drivers After an Accident?

Infinity policyholders who get in a collision can expect to see their rates rise by just under $85, while those who have insurance through Nationwide will see about a $55 increase.

At the end of the day, drivers who use Nationwide end up with the cheaper prices after an accident, with average premiums coming in at $178 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Nationwide will increase your prices around 46% after a DUI, while Infinity's average rates climb by nearly 40%.

How does Credit Score Impact Infinity and Nationwide Rates?

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

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

Looking specifically at Nationwide and Infinity, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have stellar credit. Jumping from a "good" credit score to an "excellent" one will usually save Nationwide customers about $20. Infinity, on the other hand, 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?

Having bad credit normally means you'll also see higher premiums with Nationwide. If your credit score is in the "poor" range, at Nationwide, you may pay around 15% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Infinity, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit might find better rates with Infinity over Nationwide.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance cost. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

Looking specifically at Nationwide and Infinity, Nationwide is the more affordable option for people with short commutes, while Nationwide has better prices for those who work from home. Infinity's average rates for drivers with 6,000 annual miles come in about 2% cheaper than Nationwide. Those who drive 12,000 miles each year can expect to pay around 10% less with Nationwide over Infinity.

Infinity or Nationwide: 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 insurance, but the type of area you live in can have a sizable impact as well. Typically, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

Looking at these companies side-by-side, Infinity boasts the lowest average prices in rural and urban areas, while Nationwide wins in suburban areas.

For policyholders in urban ZIP codes, Infinity Insurance's average rates are about $1 less than Nationwide. People who live in suburban areas pay around $27 less with Nationwide compared to Infinity. Those in rural areas can expect to save about $2 with Infinity compared to Nationwide.

Infinity vs. Nationwide 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.

The hard 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 broke down all of the different discounts offered by both Infinity and Nationwide so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Nationwide blows Infinity away when it comes to the sheer amount of discounts available, offering 22 different discounts to Infinity's three.

Both carriers offer several 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 Nationwide also offers discounts for advance quote, agency transfer, anti-theft, and more.

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

Final Thoughts: Is Infinity or Nationwide Best for You?

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the best fit for you?

Nationwide might be best for you if....

• You will be the only person on the car insurance policy.
• You have above-average credit.
• Your neighborhood is in the suburbs.

Infinity might be best for you if...

• You're looking for the best rates on liability only coverage.
• Your neighborhood is in a rural area.
• You and your spouse are buying auto insurance together.

Hopefully, this guide helps you get a good idea of the differences between Infinity and Nationwide. We also hope we've given you the information you need to make the best decision when it comes to your 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 Infinity and Nationwide. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Infinity vs. Nationwide FAQs

Is Infinity or Nationwide cheaper?

Nationwide is the more affordable of the two carriers when looking at national average prices, with policies averaging $170 per month with Nationwide and $178 for Infinity. But that doesn't mean Nationwide will be the most affordable carrier for every driver, since there are a range of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Infinity or Nationwide?

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

Why do Infinity and Nationwide offer me different rates?

Car insurance companies use a lot of different factors when calculating the prices they charge. Things like age, your driving record, where you live, gender, and sometimes even things like your credit score can all be used. Both Infinity and Nationwide use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from several 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 ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Infinity or Nationwide 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.