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

Quick Facts

• Looking at the national averages for insurance, Infinity offers significantly more affordable premiums than Pure
• Infinity offers more affordable rates for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Pure may help you save more money -- they offer more discounts than Infinity Insurance

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Infinity or Pure as your top options, but which company will offer you cheaper prices?

Looking at the national average rates for both carriers, Pure is quite a bit more expensive than Infinity, with premiums averaging $331 a month compared to just $178 with Infinity.

However, that doesn't necessarily mean Infinity will be the less expensive option for every single driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things), so prices will vary quite a bit from person to person.

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

Infinity vs. Pure: Average Car Insurance Rates by State

Both Infinity and Pure only offer insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. Infinity drivers tend to pay about $153 per month less on average compared to drivers who use Pure for their car insurance.

Typically, your home state will play a big role in how much you pay for insurance, but since both companies only do business in California, an array of other variables will come into play when you compare Infinity and Pure. Read on to find out more.

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 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.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. For example, 18-year-old drivers pay an average of over 35% less a month by choosing Infinity over Pure.

But with both carriers, you'll see your rates decrease significantly by the time drivers turn 25. For example, average prices for Infinity policyholders lower almost 70% and Pure's premiums reduce more than 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest car insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

When looking at Infinity and Pure specifically, which carrier is best for retired drivers? Infinity gets the edge, with premiums for drivers 65 and older nearly 45% more affordable than the national average for Pure.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually less expensive for married couples than they are for single drivers? That's because policies for married drivers typically cover more than one vehicle, which a lot of companies will give you a discount for.

For single policyholders, the difference in average premiums between these two carriers is significant, with Infinity rates coming in at around half of Pure's. For married policyholders, the advantage is clear again - Infinity has the edge when it comes to average prices.

Infinity or Pure: Average Rates by Gender

Women tend to pay less for insurance than men. That's because men are more likely to get into collisions and get speeding tickets, which raises the chances of filing a claim with insurance.

Men and women get the same monthly rates with Infinity; and with Pure, both genders end up paying the same monthly premium.

When it comes to the most affordable premiums for each gender, Infinity comes out as the cheapest option for both genders, with average rates $153 less for men and $153 cheaper for women.

Infinity vs. Pure: 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. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, 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 Pure's $528.

Is Infinity or Pure Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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 Pure -- has the lowest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Infinity for their insurance can generally expect their monthly bill to go up around 20% after getting a speeding ticket. Pure policyholders can expect a bit more drastic of an increase of about 28%.

That being said, Infinity is normally the cheaper option for drivers both with clean records and with a ticket. With Infinity Insurance, drivers with a clean record can save around $74 a month and drivers with a speeding ticket can save about $122 per month.

Which Company is Best for Drivers After an Accident?

Infinity drivers who get in an accident can expect to see their rates rise by just under $85, while those who have insurance through Pure will see around a $150 increase.

At the end of the day, drivers who use Infinity end up with the cheaper prices after an accident, with average premiums coming in at $211 compared to PURE Insurance's $352.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than a collision or ticket. On average, Pure will increase your rates about 59% after a DUI, while Infinity's average prices 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 Pure's $489.

How does Credit Score Impact Infinity and Pure Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it might come into play for many policyholders.

Car insurance carriers 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.

Looking at Infinity and Pure specifically, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly rates? That's because the fewer miles you put on your vehicle, the less likely you are to be in an accident and file an insurance claim.

Infinity tends to be the cheaper option for both remote workers and those taking short commutes. Pure's average prices for drivers with 6,000 annual miles come in about 39% more expensive than Infinity. Those who drive 12,000 miles yearly can expect to pay around 51% more with Pure over Infinity.

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

Where you park your car can play a pretty big role in how much you pay for insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Infinity boasts the cheapest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Infinity Insurance's average premiums are about $173 less than PURE Insurance. People who live in suburban areas pay around $127 less with Infinity compared to Pure. Those in rural areas can expect to save about $159 with Infinity compared to Pure.

Infinity vs. Pure Discounts

No matter why you might be in the market for a new 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 auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Infinity and Pure so that you can see which carrier can save you the most money each month.

Pure knocks Infinity out of the park when it comes to the sheer number of discounts available, offering seven more discounts than Infinity.

Both companies offer many of the same discounts -- like discounts for being a good driver and discounts for being a good student -- but Pure also offers discounts for ABS, anti-theft, distant student, and more.

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

Final Thoughts: Is Infinity or Pure Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. But, at the end of the day, is Infinity or Pure the right one for you and your specific profile and needs?

Infinity might be best for you if....

• Your driving record contains an at-fault collision.
• You live in a rural area.
• You drive often but have a short commute.

Pure might be best for you if...

• You're looking for discounts -- Pure has the most.

Hopefully, this guide helps you get a good idea of the differences between Infinity and Pure. We also hope we've given you the information you need to make the best decision when it comes to your 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 companies, not just Infinity and Pure. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Infinity vs. Pure FAQs

Is Infinity or Pure cheaper?

Infinity is the more affordable of the two companies when looking at national average rates, with policies averaging $178 a month with Infinity and $331 for Pure. Even so, that doesn't mean Infinity will be the most affordable carrier for every driver, since there are a variety of different variables that come into play when it comes to your car insurance payment.

Who is better, Infinity or Pure?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile.

Why do Infinity and Pure offer me different rates?

Insurance carriers use quite a few different factors when determining the prices they charge. Variables like gender, age, your driving record, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Infinity and Pure calculate premiums differently, 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 companies.

How do I know if Infinity or Pure 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, Compare.com makes 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 most affordable price. And maybe you'll find that the best carrier for you isn't Infinity or Pure 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.