Infinity vs. United Financial Casualty Company: Which Company is the Best Fit for You?

If you're in the market for a new car insurance policy, you might be wondering how United Financial Casualty Company and Infinity compare when it comes to the cheapest prices and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, United Financial Casualty Company offers significantly cheaper rates than Infinity
  • United Financial Casualty Company has more affordable premiums for policyholders who haven't received any speeding tickets or been in an accident in the last few years
  • United Financial Casualty Company tends to be a much less expensive option for residents of rural areas


Infinity vs. United Financial Casualty Company: 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 considerable discounts, but exactly how much money can you save by switching?

You might be considering Infinity or United Financial Casualty Company as your top options, but between the two, which one has more affordable rates for insurance?

Infinity United Financial Casualty Company
$178$133

As you can see, United Financial Casualty Company is quite a bit cheaper than Infinity, with prices averaging $133 per month compared to $178 with Infinity when looking at the national average rates for auto insurance.

That being said, that doesn't mean United Financial Casualty Company will necessarily be cheaper than Infinity for each driver. Car insurance companies use all sorts of complex algorithms to calculate premiums, so depending on how old you are or how good your credit score is (among a whole bunch of other factors), you could see wildly different rates from the ones above.

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

Infinity or United Financial Casualty Company: Average Car Insurance Rates by State

State Infinity United Financial Casualty Company
CA$178$126

Infinity and United Financial Casualty Company only compete against each other in California, where United Financial Casualty Company offers the cheaper average premiums. For California residents, United Financial Casualty Company offers insurance for $126 a month on average. Infinity's average rates come out to be over 40% more expensive, at $178 monthly.

But there's more to calculating auto insurance prices than just your home state. Keep reading to learn more.


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Which is the Best Company For Young Drivers?

Infinity United Financial Casualty Company
18-year-old drivers$468$328
25-year-old drivers$147$111

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers out there on the road. That's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $150 less a month by choosing United Financial Casualty Company over Infinity.

But both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average prices for Infinity policyholders reduce almost 70% and United Financial Casualty Company's premiums decrease more than 65% over that time.

Which is the Best Company for Retired Drivers?

Infinity United Financial Casualty Company
65+-year-old drivers$134$95

Drivers around retirement age usually enjoy some of the most affordable auto insurance rates you can find. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can increase prices.

So, which carrier offers the best premiums to retired drivers? United Financial Casualty Company gets the edge, with prices for drivers 65 and older $39 less expensive than the national average for Infinity.

Which is the Best Company for Married Drivers?

Infinity United Financial Casualty Company
Single$220$161
Married$121$95

Single drivers tend to get offered slightly more expensive insurance rates than married policyholders. This usually boils down to married couples having more than one car on their policy -- something several auto insurance companies will reward with discounts.

When it comes to relationship status, United Financial Casualty Company is the clear winner for single policyholders, with prices about $59 per month more affordable than Infinity, on average. The advantage for married drivers with United Financial Casualty Company is also obvious, where drivers save over 20% a month.

Infinity vs. United Financial Casualty Company: Average Rates by Gender

Infinity United Financial Casualty Company
Male$178$134
Female$178$132

Did you know women tend to pay less for car insurance than men? This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher premiums.

With Infinity, both genders end up paying the same monthly rate, and around $2 more with United Financial Casualty Company.

When it comes to the lowest rates for each gender, United Financial Casualty Company offers the cheapest average premiums for both men and women. On average, male drivers save about $44 per month and women save about $46 with United Financial Casualty Company compared to the average Infinity policyholder.


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Infinity or United Financial Casualty Company: Compare State Minimum vs. Full Coverage Rates

Infinity United Financial Casualty Company
State Minimum*$93$79
Full Coverage**$262$187

*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.

For most people, insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

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 -- alongside what you get with a liability policy).

If you're looking for state minimum liability limits, United Financial Casualty Company normally offers less expensive rates of $79 compared to Infinity's $93. When it comes to full coverage policies with similar limits, United Financial Casualty Company again has the edge, with policies around $75 a month cheaper than Infinity, on average.

Is Infinity or United Financial Casualty Company Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Accidents and tickets will most likely raise your prices, but is Infinity or United Financial Casualty Company less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Infinity United Financial Casualty Company
Clean Record$128$103
1 Speeding Ticket$160$137

Infinity policyholders can expect their premiums to go up an average of $32 per month if they get a ticket, while United Financial Casualty Company typically raises prices about $34 a month, on average.

However, United Financial Casualty Company is generally the more affordable option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are $25 and $23 cheaper, respectively, compared to Infinity Insurance.

Which Company is Best for Drivers After an Accident?

Infinity United Financial Casualty Company
Clean Record$128$103
1 At-Fault Accident$211$158

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Infinity climbing by just under $85. United Financial Casualty Company has a less extreme increase, but you can still expect to pay $55 more than you were prior to your first collision.

Overall, drivers who use United Financial Casualty Company end up with the cheaper prices after an accident, with monthly prices averaging $158 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

Infinity United Financial Casualty Company
Clean Record$128$103
1 DUI$211$134

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. Infinity drivers usually see a 39% climb in their car insurance rates after a DUI charge, while United Financial Casualty Company will usually raise prices by around 23%.

If you have a DUI on your record and are looking for more affordable rates, United Financial Casualty Company tends to be the much more affordable option with average premiums of $134 per month compared to $211 from Infinity.


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How does Credit Score Impact Infinity and United Financial Casualty Company Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly insurance rates. This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it might come into play for a lot of drivers.

The reasoning auto insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper prices.

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

Which Company is Best for Drivers with Good Credit?

Infinity United Financial Casualty Company
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Typically, if you have excellent credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will typically save United Financial Casualty Company customers about 15%. Because Infinity, doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Infinity United Financial Casualty Company
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

Having bad credit can cost you with United Financial Casualty Company. If your credit score is in the "poor" range, at United Financial Casualty Company, you may pay around 15% 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 might find better rates with Infinity over United Financial Casualty Company.


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Is Infinity or United Financial Casualty Company Better for Drivers who Work from Home or Have Short Commutes?

Infinity United Financial Casualty Company
6,000 Annual Miles$167$131
12,000 Annual Miles$189$135

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 more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, United Financial Casualty Company tends to be the less expensive option. Infinity average prices for drivers with 6,000 annual miles come in about $36 more expensive than United Financial Casualty Company. Those who drive 12,000 miles annually can expect to pay around $54 more with Infinity over United Financial Casualty Company.

Infinity vs. United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a pretty big impact on your monthly auto insurance payment. Usually, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads in those areas.

Infinity United Financial Casualty Company
Urban Areas$198$139
Suburban Areas$186$134
Rural Areas$149$125

United Financial Casualty Company boasts the lowest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable rates from both carriers, but United Financial Casualty Company comes out on top with average prices about $125 monthly. United Financial Casualty Company also has more affordable average premiums for policyholders in urban and suburban ZIP codes -- a $59 and $52 a month respective difference when compared to Infinity drivers in similar areas.

Infinity vs. United Financial Casualty Company Discounts

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

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the table below, we've taken a look at all of the different discounts Infinity and United Financial Casualty Company offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Infinity United Financial Casualty Company
Anti-Theft Discount 
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount 
E-Signature Discount 
EFT Discount 
Good Driving Discount
Good Student Discount
Homeowner Discount 
Mature Driver Discount 
Minor Child Discount 
Multi-Car Discount 
Multi-Policy Discount 
Occasional Operator Discount 
Online Quote Discount 
Paid In Full Discount 
Paperless Discount 
UBI Discount 

United Financial Casualty Company knocks Infinity out of the park when it comes to the sheer number of discounts available, offering 18 different discounts to Infinity's 18.

Both companies offer a lot 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 United Financial Casualty Company also offers anti-theft discounts, continuous insurance 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 United Financial Casualty Company Best for You?

So, we've broken down the average rates for many of the variables insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, is Infinity or United Financial Casualty Company the right carrier for you, your vehicle, and your wallet?

United Financial Casualty Company might be best for you if....

  • You've been pulled over for speeding recently.
  • You're looking for more protection with "full coverage" auto insurance.
  • You are purchasing your insurance with a spouse.


Infinity might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Infinity and United Financial Casualty Company. 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 best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Infinity and United Financial Casualty Company. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.


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Infinity vs. United Financial Casualty Company FAQs

Is Infinity or United Financial Casualty Company cheaper?

Looking just at the national average premiums, United Financial Casualty Company is the less expensive of the two companies, offering average rates of $133 per month compared to $178 for Infinity. Even so, United Financial Casualty Company won't necessarily be the lowest carrier for everyone, since there are many different factors that come into play when it comes to your car insurance bill.

Who is better, Infinity or United Financial Casualty Company?

Sadly, the answer truly is "it depends.". No single company is necessarily "better" for every driver -- it all boils down to your unique insurance profile.

Why do Infinity and United Financial Casualty Company offer me different rates?

Car insurance carriers take a look at many different variables when calculating the prices they charge policyholders. Factors such as where you park your car, age, where your home is, gender, and sometimes even things like your credit score can all come into play. Both Infinity and United Financial Casualty Company calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Infinity or United Financial Casualty Company is right for me?

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your information once 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 price. And who knows, the best carrier for you might not be Infinity or United Financial Casualty Company at all!


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.

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