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

Looking for car insurance and wondering if Infinity or The Hartford is the right company for you? If so, you're probably wondering which carrier has the lowest prices or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next auto insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Infinity offers significantly cheaper rates than The Hartford
  • Infinity offers more affordable premiums for policyholders who drive fewer than 12,000 miles annually
  • The Hartford offers more affordable prices for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Infinity or The Hartford, but which one will offer you less expensive premiums?

Infinity The Hartford

Looking at nationwide averages, The Hartford has average rates that are about 35% per month more expensive than those from Infinity.

But Infinity may not be the cheapest or best option for every single driver out there. Insurance companies vary their rates depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and all sorts of other factors, so premiums could change drastically from person to person.

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

Infinity or The Hartford: Average Car Insurance Rates by State

State Infinity The Hartford

Both Infinity and The Hartford only offer car insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Infinity offers insurance for $178 a month on average. The Hartford's average prices come out to be over 40% more expensive, at $265 per month.

Typically, the state you live in will play a huge role in how much you pay for auto insurance, but since both companies only do business in California, a lot of other factors will come into play when you compare Infinity and The Hartford. Read on to find out more.

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Which is the Best Company For Young Drivers?

Infinity The Hartford
18-year-old drivers$468$435
25-year-old drivers$147$294

Teen drivers will almost always have the most expensive car insurance rates 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 an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $35 less a month by choosing The Hartford over Infinity.

Even so, with both carriers, you'll see your premiums drop significantly by the time you turn 25. For example, average prices for Infinity policyholders reduce almost 70% and The Hartford's premiums lower more than 30% over that time.

Which is the Best Company for Retired Drivers?

Infinity The Hartford
65+-year-old drivers$134$192

Drivers around retirement age generally enjoy some of the most affordable insurance rates you'll ever see. After all, they've likely been driving for quite some time, which usually reduces their chances of collisions and other infractions that can increase premiums.

When looking at Infinity and The Hartford specifically, which carrier is best for retired drivers? Infinity gets the edge, with rates for drivers 65 and older over 30% cheaper than the national average for The Hartford.

Which is the Best Company for Married Drivers?

Infinity The Hartford

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

When it comes to relationship status, Infinity is the clear winner for single policyholders, with premiums around $73 per month more affordable than The Hartford, on average. For married drivers, the advantage is clear again - Infinity has the edge when it comes to average rates.

Infinity vs. The Hartford: Average Rates by Gender

Infinity The Hartford

Because men are more likely to get tickets and get into accidents, they have a higher chance of filing a claim with insurance. Therefore, insurance carriers will tend to charge men more than women.

Everyone gets the same monthly prices regardless of gender with Infinity; and with The Hartford, both genders end up paying the same monthly premium.

Looking at the data for each company specifically, Infinity comes out on top for both men and women, with average rates $87 less for men and $87 cheaper for women.

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Infinity or The Hartford: Compare State Minimum vs. Full Coverage Rates

Infinity The Hartford
State Minimum*$93$135
Full Coverage**$262$394

*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 a variety of different coverages that account for multiple 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 that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers 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 significantly less expensive prices of $93 compared to The Hartford's $135. When it comes to full coverage policies with similar limits, Infinity again has the edge, with policies about $150 a month more affordable than The Hartford, on average.

Is Infinity or The Hartford Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great premiums 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 tickets lead to higher rates, but which carrier -- Infinity or The Hartford -- has the lowest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Infinity The Hartford
Clean Record$128$126
1 Speeding Ticket$160$197

Infinity policyholders can expect their premiums to go up an average of $32 per month if they get a ticket, while The Hartford typically raises rates around $71 a month, on average.

If you have a clean record, The Hartford tends to offer the best prices at about 2% cheaper, while Infinity has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Infinity The Hartford
Clean Record$128$126
1 At-Fault Accident$211$262

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with The Hartford climbing by just under $150. Infinity has a less extreme increase, but you can still expect to pay nearly $85 more than you were prior to your first collision.

Overall, Infinity offers the cheapest prices for drivers with an at-fault accident on their records, with monthly rates averaging $211 compared to The Hartford's $262.

Which Company is Best for Drivers with a DUI?

Infinity The Hartford
Clean Record$128$126
1 DUI$211$474

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, The Hartford increases average premiums by just under $350 per month -- that's just under a 75% increase.

If you have a DUI on your record and are looking for more affordable prices, Infinity tends to be the much more affordable option with average premiums of $211 monthly compared to $474 from The Hartford.

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How does Credit Score Impact Infinity and The Hartford Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly insurance rates. This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it does affect lots of drivers out there.

Car 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, policyholders with good credit will often be rewarded with cheaper premiums.

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

Which Company is Best for Drivers with Good Credit?

Infinity The Hartford
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

Infinity The Hartford
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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

Infinity The Hartford
6,000 Annual Miles$167$237
12,000 Annual Miles$189$292

Did you know that the amount of time you spend in your car have a sizable impact on your monthly auto insurance payment? Generally, the more miles you put on your vehicle, the more you can expect to pay for insurance.

Infinity tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Infinity's average prices for drivers with 6,000 annual miles come in around 30% more affordable than The Hartford. Those who drive 12,000 miles each year can expect to pay about 35% less with Infinity over The Hartford.

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

Where you call home can have a big impact on your monthly auto insurance bill. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Infinity The Hartford
Urban Areas$198$273
Suburban Areas$186$265
Rural Areas$149$255

Infinity boasts the cheapest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable premiums from both carriers, but Infinity comes out on top with average prices around $149 per month. Infinity also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a 27% and 30% a month respective difference when compared to The Hartford policyholders in similar areas.

Infinity vs. The Hartford Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by Infinity and The Hartford so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Infinity The Hartford
ABS Discount 
Anti-Theft Discount 
Defensive Driver Discount
Distant Student Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Lay-Up Credit Discount 
Multi-Policy Discount 
Passive Restraint Discount 
Renewal Discount 
Umbrella Policy Discount 

The Hartford knocks Infinity out of the park when it comes to the sheer number of discounts available, offering 13 different discounts to Infinity's 13.

There are a couple discounts both companies offer, but The Hartford also offers ABS discounts, anti-theft discounts, distant student 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 The Hartford Best for You?

You've seen the effect certain factors have on your insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best company for you and your specific profile and needs?

Infinity might be best for you if....

  • You have an at-fault collision on your record.
  • You live in an suburban area.
  • Your neighborhood is in a rural area.

The Hartford might be best for you if...

  • You have a clean record.
  • You care about discounts (The Hartford offers the most).
  • You're buying car insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Infinity and The Hartford and that you can now make a more informed decision when it comes to your 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 The Hartford. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

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Infinity vs. The Hartford FAQs

Is Infinity or The Hartford cheaper?

Looking just at the national average rates, Infinity is the less expensive of the two companies, offering average rates of $178 per month compared to $265 for The Hartford. However, Infinity won't necessarily be the lowest company for every driver, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Infinity or The Hartford?

Sadly, the answer truly is "it depends.". No one carrier is "better" for each driver -- it all depends on the makeup of your unique auto insurance profile.

Why do Infinity and The Hartford offer me different rates?

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

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

The only way to find the auto insurance carrier 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 ZIP code 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 company for you might not be Infinity or The Hartford 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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