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

Quick Facts

• Looking at the national averages for auto insurance, Travelers offers slightly less expensive prices than Infinity
• Infinity tends to be a much cheaper option for drivers who have a speeding ticket on their driving record
• Travelers offers more affordable premiums for policyholders who have a short commute

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might have narrowed it down to Infinity or Travelers as your top options, but which one has more affordable prices for car insurance?

As you can see, Infinity is around $11 more a month than Travelers when looking at the national average rates for auto insurance.

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

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

Infinity vs. Travelers: Average Car Insurance Rates by State

Infinity and Travelers only compete against each other in California, where Travelers offers the cheaper average rates. Travelers drivers tend to pay about $23 per month less on average compared to drivers who use Infinity for their auto insurance.

That being said, there are plenty of other factors that go into your car insurance payment than just your home state. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Travelers for their insurance pay over 25% less than those who use Infinity.

But both companies will lower prices by the time drivers turn 25. Travelers offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Infinity's average premiums reduce almost 70% during that same period.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best premiums to retired drivers? In this case, Travelers has the slight edge, with prices about $2 a month less than Infinity. However, that difference is less than 5%, which means it ultimately will come down to other factors, like your driving record or where you live.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single policyholders than they are for married couples. This usually boils down to married drivers having more than one vehicle on their policy -- something lots of auto insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is significant, with Travelers rates coming in at around 15% less than Infinity's. The advantage for married policyholders with Infinity is also obvious, where drivers save more than 10% per month.

Infinity or Travelers: Average Rates by Gender

Did you know men tend to pay more for insurance than women? This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

Everyone gets the same monthly prices regardless of gender with Infinity, and about $11 less with Travelers.

Looking at overall affordability, Travelers offers the lowest average rates for both men and women. On average, women save about $17 a month and men save around $6 with Travelers compared to the average Infinity policyholder.

Infinity vs. Travelers: 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 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.

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 their passengers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

When it comes to state minimum liability insurance, Infinity has the edge, while Travelers offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $15 with Infinity Insurance, while full coverage comes out to be about $35 less expensive with Travelers.

Is Infinity or Travelers Better for Drivers with Spotty Records?

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

Speeding tickets and at-fault collisions will most likely raise your prices, but is Infinity or Travelers cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

But Infinity is normally the more affordable option for both drivers who have a recent ticket and those with clean records, offering premiums that are 0% and 0% cheaper, respectively, compared to Travelers.

Which Company is Best for Drivers After an Accident?

Infinity policyholders who get in an accident can expect to see their prices climb by just under $85, while those who have insurance through Travelers will see around a $45 increase.

At the end of the day, the less expensive premiums come from Travelers, with average rates coming in at $173 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 a collision. On average, Infinity will raise your premiums about 39% after a DUI, while Travelers's average rates increase by nearly 40%.

How does Credit Score Impact Infinity and Travelers Rates?

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

Auto insurance companies 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 at Infinity and Travelers specifically, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have fantastic credit. With Travelers, improving your score from "good" to "excellent" will usually save you around $25. Because Infinity, doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit typically means you'll also see higher premiums with Travelers. For drivers with less-than-stellar credit, at Travelers, you may pay about $60 per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Because Infinity doesn't have data available for credit scores, they might have better prices for drivers with bad credit over Travelers.

Is Infinity or Travelers 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 insurance bill. Generally, those who drive less will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

Travelers tends to be the less expensive option for both remote workers and those taking short commutes. Travelers's average premiums for drivers with 6,000 annual miles come in around 2% more affordable than Infinity. Those who drive 12,000 miles yearly can expect to pay about 11% less with Travelers over Infinity.

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

Where your home is can play a pretty big role in how much you pay for auto insurance. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the road where they live, which decreases the chances of an accident.

Looking at these carriers side-by-side, Travelers boasts the most affordable average premiums in rural and suburban areas, while Infinity wins in urban areas.

For drivers in urban ZIP codes, Infinity Insurance's average prices are around $6 less than Travelers. People who live in suburban areas pay about $26 less with Travelers compared to Infinity. Those in rural areas can expect to save around $13 with Travelers compared to Infinity.

Infinity vs. Travelers Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Infinity and Travelers offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Travelers blows Infinity away when it comes to the sheer amount of discounts available, offering 22 more discounts than Infinity.

There are a couple discounts both companies offer, but Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

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

Final Thoughts: Is Infinity or Travelers Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, is Infinity or Travelers the best company for you, your vehicle, and your wallet?

Travelers might be best for you if....

• You want to save money on your car insurance after a collision.
• You live in an suburban area.
• You drive fewer than 12,000 miles each year.

Infinity might be best for you if...

• You have a speeding ticket on your driving record.
• Your neighborhood is in a city.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Hopefully, this guide helps you get a better idea of the difference between Infinity and Travelers and that it aids in making a more informed decision about your car 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 several carriers, not just Infinity and Travelers. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Infinity vs. Travelers FAQs

Is Infinity or Travelers cheaper?

Travelers is the cheaper of the two carriers when looking at national average rates, with policies averaging $167 a month with Travelers and $178 for Infinity. Even so, that doesn't mean Travelers will be the lowest carrier for every policyholder, since there are many different factors that are considered when it comes to your insurance cost.

Who is better, Infinity or Travelers?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Infinity and Travelers offer me different rates?

Auto insurance companies use many different variables when calculating the prices they charge. Things such as your driving record, gender, where you park your vehicle, age, and sometimes even things like your credit score can all come into play. Both Infinity and Travelers calculate premiums 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 a range of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple 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 area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't Infinity or Travelers 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.