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

Want to know if Infinity or State Farm is the better choice for car insurance? You're probably wondering which company offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, State Farm offers cheaper rates than Infinity
  • Infinity has more affordable premiums for policyholders who haven't received any speeding tickets or been in an accident in the last few years
  • State Farm offers cheaper average rates for drivers who have an at-fault accident on their record

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might be considering Infinity or State Farm as potential options, but which carrier will save you the most?

Infinity State Farm

Looking at the national average rates for both companies, Infinity is about $20 more per month than State Farm.

Even so, State Farm may not be the most affordable or best option for each driver out there. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, where you call home, your age, or even your driving record (among other things). So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

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

Infinity or State Farm: Average Car Insurance Rates by State

State Infinity State Farm

Infinity and State Farm only compete against each other in California, where Infinity offers the cheaper average prices. For California residents, undefined offers auto insurance for undefined monthly on average. undefined's average rates come out to be more expensive, at undefined per month.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance companies calculate your premiums. Continue reading to see how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Infinity State Farm
18-year-old drivers$468$353
25-year-old drivers$147$142

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use State Farm save more than $100 a month compared to those who use Infinity.

That being said, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average prices for Infinity policyholders decrease over $300 and State Farm's rates reduce around $200 over that time.

Which is the Best Company for Retired Drivers?

Infinity State Farm
65+-year-old drivers$134$111

Once you approach retirement age, you'll normally enjoy the lowest auto insurance prices 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.

So, which carrier offers the best prices to retired drivers? State Farm gets the edge, with premiums for drivers 65 and older more than 15% more affordable than the national average for Infinity.

Which is the Best Company for Married Drivers?

Infinity State Farm

You may not be aware, but car insurance rates tend to be less expensive for married drivers than they are for single drivers. This usually boils down to married policyholders having several cars on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, State Farm is the clear winner for single policyholders, with premiums about $37 per month cheaper than Infinity, on average. But for married couples, that advantage is much less clear - Infinity has the edge when it comes to average rates , but the difference is less than $5.

Infinity vs. State Farm: Average Rates by Gender

Infinity State Farm

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will typically end up paying a little more.

Women and men get the same monthly prices with Infinity, while with State Farm, the difference is closer to 7% a month.

Looking at overall affordability, State Farm offers the cheapest average rates for both men and women, with average premiums 8% less for men and 15% cheaper for women.

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

Infinity State Farm
State Minimum*$93$99
Full Coverage**$262$216

*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 insurance can be a complicated subject for most people. There are lots of different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

In this case, Infinity offers the lowest average prices for state minimum liability limits, while State Farm has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $6 with Infinity Insurance, while full coverage comes out to be around $45 less expensive with State Farm.

Is Infinity or State Farm Better for Drivers with Spotty Records?

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

At-fault accidents and tickets will most likely raise your prices, but is Infinity or State Farm more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Infinity State Farm
Clean Record$128$134
1 Speeding Ticket$160$155

Infinity policyholders can expect their rates to go up an average of $32 per month if they get a ticket, while State Farm normally raises prices about $21 a month, on average.

If you have a clean record, Infinity tends to offer the best rates at around 4% less expensive, while State Farm has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Infinity State Farm
Clean Record$128$134
1 At-Fault Accident$211$163

After an accident, drivers who have their car insurance through Infinity can expect to see about an $83 -- or around 39% -- increase in their auto insurance premiums. Drivers who use State Farm for their car insurance will see a monthly bill about $29 (or 18%) more expensive after reporting a collision to their insurance company.

Overall, the more affordable prices come from State Farm, with monthly rates averaging $163 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

Infinity State Farm
Clean Record$128$134
1 DUI$211$179

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than an accident or ticket. On average, Infinity will increase your premiums around 39% after a DUI, while State Farm's average rates climb by over 25%.

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How does Credit Score Impact Infinity and State Farm Rates?

Did you know that many auto insurance companies take your credit score into account when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect many policyholders out there.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper premiums.

So, which carrier offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Infinity State Farm
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Normally, if you have fantastic credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will typically save State Farm customers about 25%. On the other hand, Infinity 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?

Infinity State Farm
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

If you have bad credit, it can cost you with State Farm. If your credit score is in the "poor" range, at State Farm, you may pay around 50% more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, Infinity doesn't have data available for credit scores, which means drivers with bad credit could find better rates with Infinity over State Farm.

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

Infinity State Farm
6,000 Annual Miles$167$151
12,000 Annual Miles$189$164

How much you drive can have a pretty big impact on how much auto insurance carriers will charge for coverage. Usually, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, State Farm offers more affordable premiums than Infinity. State Farm's average rates for drivers with 6,000 annual miles come in about $16 cheaper than Infinity. Those who drive 12,000 miles each year can expect to pay around $25 less with State Farm over Infinity.

Infinity vs. State Farm: 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 substantial impact as well. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads in those areas.

Infinity State Farm
Urban Areas$198$185
Suburban Areas$186$161
Rural Areas$149$127

When comparing these two companies side-by-side, State Farm typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable premiums from both carriers, but State Farm comes out on top with average prices about $127 a month. State Farm also has less expensive average rates for drivers in urban and suburban ZIP codes -- a $13 and $25 a month respective difference when compared to Infinity policyholders in similar areas.

Infinity vs. State Farm Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the table below, we've taken a look at all of the different discounts Infinity and State Farm 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.

Infinity State Farm
ABS Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Defensive Driver Discount
Distant Student Discount 
Drive Safe & Save Discount 
Driver Training Discount 
DRL Discount 
Farm Discount 
Good Driving Discount
Good Student Discount
Goverment Employee Discount 
Homeowner Discount 
Low Income Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount 
Multi-Policy Discount 
Passive Restraint Discount 
Renewal Discount 

State Farm blows Infinity away when it comes to the sheer amount of discounts available, offering 20 more discounts than Infinity.

There are a couple discounts both companies offer, but State Farm also offers ABS discounts, annual mileage discounts, anti-theft 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 Infinity or State Farm Best for You?

So, we've broken down the average prices for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which company is the best company for you and your specific needs?

State Farm might be best for you if....

  • You have a DUI charge on your record.
  • You already have a great credit score.
  • You have a short drive to work everyday.

Infinity might be best for you if...

  • You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
  • You want basic auto insurance coverage at the state minimum limits.
  • You are purchasing your insurance with a spouse.

We hope this guide has ben a valuable resource as you compare Infinity and State Farm. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Infinity and State Farm. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

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Infinity vs. State Farm FAQs

Is Infinity or State Farm cheaper?

Looking just at the national average premiums, State Farm is the cheaper of the two companies, offering average rates of $158 per month compared to $178 for Infinity. But State Farm won't necessarily be the cheapest carrier for every driver, since there are a range of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Infinity or State Farm?

Unfortunately, the answer truly is "it depends.". No one company is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Infinity and State Farm offer me different rates?

Auto insurance carriers take a look at a lot of different variables when determining the prices they charge drivers. Things such as gender, your driving record, age, where you live, and sometimes even things like your credit score can all be used. Both Infinity and State Farm calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different companies.

How do I know if Infinity or State Farm 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 carriers and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Infinity or State Farm 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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