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

Looking for car insurance and wondering if Infinity or Wawanesa is the right company for you? If so, you're probably wondering which carrier has the most affordable 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 car insurance policy.
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Quick Facts

  • In general, Wawanesa offers significantly cheaper rates than Infinity
  • Infinity offers more discounts than Wawanesa Insurance
  • Wawanesa offers more affordable average premiums for residents of rural areas

Infinity vs. Wawanesa: 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 Wawanesa as potential options, but between the two, which carrier will save you the most?

Infinity Wawanesa

Looking at the national average rates for both companies, Infinity is quite a bit more expensive than Wawanesa, with rates averaging $178 per month compared to just $104 with Wawanesa.

However, that doesn't necessarily mean Wawanesa will be the less expensive option for every single driver. Insurance carriers use a ton of complex algorithms to calculate premiums, so depending on where you live or how good your credit score is (among a variety of other factors), you could see wildly different prices from the ones above.

Wanting to know if Infinity or Wawanesa is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Infinity or Wawanesa: Average Car Insurance Rates by State

State Infinity Wawanesa

Both Infinity and Wawanesa only offer auto insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Wawanesa offers insurance for $104 monthly on average. Infinity's average rates come out to be over 70% more expensive, at $178 per month.

Typically, your home state will play a big role in how much you pay for car insurance, but since both companies only do business in California, several other factors will come into play when you compare Infinity and Wawanesa. Read on to learn more.

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Which is the Best Company For Young Drivers?

Infinity Wawanesa
18-year-old drivers$468$171
25-year-old drivers$147$101

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. 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 that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Wawanesa save nearly $300 a month compared to those who use Infinity.

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

Which is the Best Company for Retired Drivers?

Infinity Wawanesa
65+-year-old drivers$134$87

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

When looking at Infinity and Wawanesa specifically, which carrier is best for retired drivers? Wawanesa gets the edge, with prices for drivers 65 and older $47 more affordable than the national average for Infinity.

Which is the Best Company for Married Drivers?

Infinity Wawanesa

Single policyholders tend to get offered slightly more expensive insurance rates than married couples. That's because policies for married policyholders typically cover multiple cars, which lots of carriers will offer you a discount for.

When it comes to relationship status, Wawanesa is the clear winner for single drivers, with premiums about $101 per month cheaper than Infinity, on average. The advantage for married drivers with Wawanesa is also obvious, where drivers save nearly 30% a month.

Infinity vs. Wawanesa: Average Rates by Gender

Infinity Wawanesa

Because men are more likely to get into collisions and get tickets, they have an increased chance of filing a claim with insurance. Therefore, insurance companies will tend to offer men more expensive prices.

With Infinity, both genders end up paying the same monthly price; and with Wawanesa, everyone ends up paying the same monthly rates regardless of gender.

Looking at overall affordability, Wawanesa comes out as the lowest option for both genders. On average, women save about $74 per month and men save around $74 with Wawanesa compared to the average Infinity policyholder.

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

Infinity Wawanesa
State Minimum*$93$64
Full Coverage**$262$144

*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, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

That being said, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability insurance, Wawanesa typically offers significantly less expensive premiums of $64 compared to Infinity's $93. When it comes to full coverage policies with similar limits, Wawanesa again has the edge, with policies about $100 a month more affordable than Infinity, on average.

Is Infinity or Wawanesa Better for Drivers with Spotty Records?

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

At-fault collisions and tickets will most likely raise your prices, but is Infinity or Wawanesa less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Infinity Wawanesa
Clean Record$128$74
1 Speeding Ticket$160$105

Infinity policyholders can expect their premiums to go up an average of $32 per month if they get a ticket, while Wawanesa normally raises rates around $31 a month, on average.

However, Wawanesa tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering prices that are $54 and $55 cheaper, respectively, compared to Infinity Insurance.

Which Company is Best for Drivers After an Accident?

Infinity Wawanesa
Clean Record$128$74
1 At-Fault Accident$211$113

Infinity drivers who get in a collision can expect to see their rates climb by just under 40%, while those who have insurance through Wawanesa will see about a 35% increase.

Overall, Wawanesa offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $113 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

Infinity Wawanesa
Clean Record$128$74
1 DUI$211$125

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or ticket. On average, Infinity will raise your rates around 39% after a DUI, while Wawanesa's average premiums increase by over 40%.

If you have a DUI on your record and are looking for more affordable rates, Wawanesa tends to be the much less expensive option with average premiums of $125 a month compared to $211 from Infinity.

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How does Credit Score Impact Infinity and Wawanesa Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly car insurance prices. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for several policyholders.

The reasoning insurance carriers use is that drivers 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 premiums.

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

Which Company is Best for Drivers with Good Credit?

Infinity Wawanesa
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

Infinity Wawanesa
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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

Infinity Wawanesa
6,000 Annual Miles$167$98
12,000 Annual Miles$189$111

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Typically, the more miles you drive, 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, Wawanesa offers more affordable premiums than Infinity. Infinity's average prices for drivers with 6,000 annual miles come in just under $70 more expensive than Wawanesa. Those who drive 12,000 miles annually can expect to pay nearly $80 more with Infinity over Wawanesa.

Infinity vs. Wawanesa: 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 car insurance, but the type of area you live in can have a substantial impact as well. Generally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads in those areas.

Infinity Wawanesa
Urban Areas$198$114
Suburban Areas$186$105
Rural Areas$149$95

Wawanesa boasts the lowest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest rates from both companies, but Wawanesa comes out on top with average premiums about $95 monthly. Wawanesa also has less expensive average prices for drivers in urban and suburban ZIP codes -- a $84 and $81 per month respective difference when compared to Infinity policyholders in similar areas.

Infinity vs. Wawanesa 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. That's where insurance discounts comes into play.

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

In the section below, we've compared all of the different discounts offered by Infinity and Wawanesa so that you can see which company can save you the most money each month.

Infinity Wawanesa
Defensive Driver Discount 
Good Driving Discount
Good Student Discount 
Mature Driver Discount 

Overall, Infinity comes out ahead with three discounts to Wawanesa's two.

A couple of those are overlapping for things like discounts for being a good driver. Infinity also offers defensive driver discounts and good student discounts that Wawanesa does not.

On the flip side, Wawanesa has a unique discount of its own -- a mature driver discounts.

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Final Thoughts: Is Infinity or Wawanesa Best for You?

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance carrier is the right one for you and your specific profile and needs?

Wawanesa might be best for you if....

  • You have a DUI charge on your record.
  • Your neighborhood is in a city.
  • You are over 65 years old and want to save some money on your auto insurance.

Infinity might be best for you if...

  • You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Infinity and Wawanesa and that you can now make a more informed decision when it comes to your car 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 auto insurance -- comparing quotes from several companies, not just Infinity and Wawanesa. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

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Infinity vs. Wawanesa FAQs

Is Infinity or Wawanesa cheaper?

Looking just at the national average rates, Wawanesa is the cheaper of the two companies, offering average rates of $104 a month compared to $178 for Infinity. But Wawanesa won't necessarily be the lowest carrier for each driver, since there are a range of different variables that are considered when it comes to your auto insurance payment.

Who is better, Infinity or Wawanesa?

Unfortunately, the answer truly is "it depends.". One company is not "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Infinity and Wawanesa offer me different rates?

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

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple 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 information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Infinity or Wawanesa 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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