21st Century vs Infinity: Which is Better for You?

Choosing a car insurer can be hard: rates may vary based on your location, age, and driving history, and companies offer an array of discounts. 21st Century and Infinity are among the US' most popular insurance companies, selling affordable policies in most regions.

In an effort to take the sting out of shopping for car insurance, we've gathered average insurance premiums from Infinity and 21st Century. These take into account myriad rating factors, including credit quality, driving history, and age. Examine these figures and find your next car insurance policy today.

Looking for in-depth analysis? Read full-length reviews of 21st Century and Infinity.

Compare 21st Century vs. Infinity auto insurance rates

21st Century vs. Infinity: pricing by credit score

If you have very poor credit, 21st Century could be preferable to 21st Century. Typically, 21st Century offers lower prices than Infinity for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward 21st Century, which typically beats Infinity by $2,518 per year. Check out common insurance rates by credit score for Infinity and 21st Century below.

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Infinity VS. 21st Century

Credit level	21st Century avg. annual premium	Infinity avg. annual premium
Very Poor (300-579)	$1,363	$7,847
Fair (580-669)	$1,363	$4,862
Good (670-739)	$1,657	$3,955
Very Good (740-799)	$1,363	$4,045
Exceptional (800-850)	$1,363	$3,881

21st Century vs. Infinity: rates for high-risk drivers

If you have an at-fault accident, speeding ticket, reckless driving citation, or DWI on your driving résumé, 21st Century could be a better choice than Infinity. Every insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to figure out which insurance company suits you.

HIGH-RISK INSURANCE RATE COMPARISON: Infinity VS. 21st Century

Infraction	21st Century avg. annual premium	Infinity avg. annual premium
At-fault accident (damage < $1,000)	$2,440	$5,774
At-fault accident (damage > $1,000)	$1,273	$4,487
DUI/DWI	$3,949	$6,124
Reckless driving	$3,949	$6,124
Speeding ticket	$1,781	$4,174

21st Century vs. Infinity: rates by age

Insurers rely on a driver's age to indicate risk, pricing policies accordingly. Auto insurance is usually expensive for teen drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company evaluates age tiers uniquely, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose 21st Century over Infinity: 21st Century offers average yearly savings of $11,058, compared to Infinity.

COMPARING AUTO INSURANCE RATES BY AGE: Infinity VS. 21st Century

Age bracket	21st Century avg. annual premium	Infinity avg. annual premium
Teens	$5,233	$16,291
20s	$1,795	$5,588
30s	$1,342	$5,588
40s	$1,313	$4,077
50s	$1,244	$3,716
60s	$1,117	$3,365

Finances aside, there are myriad pros and cons of both 21st Century and Infinity, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.