Infinity vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Workmen's Auto offers more affordable prices than Infinity
• Infinity offers more affordable rates for policyholders who live in rural neighborhoods
• Workmen's Auto has cheaper prices for drivers who have a speeding ticket on their driving record

Infinity or Workmen's Auto: 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 Workmen's Auto, but between the two, which company will offer you less expensive rates?

Looking at the national average rates for both carriers, Workmen's Auto has average rates that are around 15% a month more affordable than those from Infinity.

But Workmen's Auto may not be the cheapest or best option for every single driver out there. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so premiums could differ drastically from person to person.

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

Infinity vs. Workmen's Auto: Average Car Insurance Rates by State

Both Infinity and Workmen's Auto only offer car insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. Workmen's Auto drivers tend to pay about $27 per month less on average compared to drivers who use Infinity for their auto insurance.

Typically, where you call home will play a substantial role in how much you pay for car insurance, but since both companies only do business in California, a multitude of other variables will come into play when you compare Infinity and Workmen's Auto. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any group on the road. It's generally because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. For example, 18-year-old drivers pay an average of almost 30% less a month by choosing Workmen's Auto over Infinity.

Even so, both carriers will offer you dramatically lower premiums by the time you turn 25. Workmen's Auto offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Infinity's average prices drop nearly 70% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best rates for retired drivers between Infinity and Workmen's Auto? Workmen's Auto gets the slight edge, with prices for drivers 65 and older about 7% less expensive than the national average for Infinity.

Which is the Best Company for Married Drivers?

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

For single drivers, the difference in average prices between these two carriers is significant, with Workmen's Auto premiums coming in at a quarter less than Infinity's. But for married couples, that advantage is much less clear - Workmen's Auto has the edge when it comes to average rates , but the difference is less than $5.

Infinity or Workmen's Auto: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? That's because men are more likely to get into collisions and get tickets, which increases the chances of filing a claim with insurance.

Men and women get the same monthly prices with Infinity; men and women get the same monthly premiums with Workmen's Auto.

Looking at the data for each company specifically, Workmen's Auto comes out as the lowest option for both genders, with average rates 15% less for men and 15% cheaper for women.

Infinity vs. Workmen's Auto: 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.

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

However, the most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with liability).

Looking specifically at state minimum liability limits, Workmen's Auto has the significant edge, with average monthly premiums coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging around $235 per month to Infinity's $262.

Is Infinity or Workmen's Auto Better for Drivers with Spotty Records?

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

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Infinity for their car insurance can generally expect their monthly bill to go up about 20% after getting a speeding ticket. Workmen's Auto policyholders can expect a bit more drastic of an increase of around 23%.

That being said, Workmen's Auto has cheaper premiums for drivers in both categories. With Workmen's Auto Insurance, drivers with a clean record can save about $17 a month and drivers with a ticket can save around $15 per month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Infinity can expect to see about an $83 -- or around 39% -- rise in their auto insurance prices. Drivers who use Workmen's Auto for their insurance will see a monthly bill about $45 (or 29%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, the more affordable rates come from Workmen's Auto, with average premiums coming in at $156 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, Infinity increases average rates by nearly $85 a month -- that's nearly a 40% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Workmen's Auto tends to be cheaper for the average driver, with monthly premiums coming in at around $191 to Infinity's $211.

How does Credit Score Impact Infinity and Workmen's Auto Rates?

Did you know many car insurance companies take into account your credit score when determining premiums? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few drivers.

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

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Infinity or Workmen's Auto 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 how much auto insurance companies will charge for coverage. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

Workmen's Auto tends to be the more affordable option for both remote workers and those taking short commutes. Workmen's Auto's average premiums for drivers with 6,000 annual miles come in about $41 less expensive than Infinity. Those who drive 12,000 miles each year can expect to pay around $14 less with Workmen's Auto over Infinity.

Infinity or Workmen's Auto: 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 sizable impact as well. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the roads where they live.

Infinity vs. Workmen's Auto Discounts

No matter 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 you can. That's where auto insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Infinity and Workmen's Auto so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Workmen's Auto comes out ahead with four discounts to Infinity's three.

Both carriers offer lots of the same discounts -- like discounts for being a good driver -- but Workmen's Auto also offers discounts for driver-vehicle combination, mature driver, and renewal discount.

On the other hand, Infinity has a few proprietary discounts of their own like defensive driver discounts and good student discounts.

Final Thoughts: Is Infinity or Workmen's Auto Best for You?

So, we've broken down the average rates for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, is Infinity or Workmen's Auto the best fit for you?

Workmen's Auto might be best for you if....

• Your driving record includes a DUI charge.
• Your neighborhood is in a city.
• You don't spend much time in your car.

Infinity might be best for you if...

• You live in a rural area.

Hopefully, this guide helps you get a better idea of the difference between Infinity and Workmen's Auto. We also hope we've given you the information you need to make the best decision about 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 insurance -- comparing quotes from multiple carriers, not just Infinity and Workmen's Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Infinity vs. Workmen's Auto FAQs

Is Infinity or Workmen's Auto cheaper?

Workmen's Auto is the cheaper of the two carriers when looking at national average prices, with policies averaging $151 per month with Workmen's Auto and $178 for Infinity. But that doesn't mean Workmen's Auto will be the lowest carrier for every driver, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Infinity or Workmen's Auto?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Infinity and Workmen's Auto offer me different rates?

Car insurance companies use many different factors when calculating the rates they charge. Things like your driving record, gender, where you park your car, age, and sometimes even things like your credit score can all come into play. Both Infinity and Workmen's Auto calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different carriers.

How do I know if Infinity or Workmen's Auto 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 companies 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 quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't Infinity or Workmen's Auto 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.