Deciding on a car insurance company can be hard: rates vary by location, age, and driving history, and every company's discounts vary. Auto Club (AAA) and Infinity are two of the most popular auto insurance companies, offering competitively priced policies across many states.
In an effort to simplify the comparison process, we have collected average policy rates from Infinity and Auto Club (AAA). These take into consideration a number of rating factors, including credit rating, driving record, and age. Examine these rates and find the perfect policy for you.
Take a deep dive: Read full-length reviews of AAA and Infinity.
If you have very poor credit, Auto Club (AAA) could be preferable to Auto Club (AAA). Typically, Auto Club (AAA) offers better rates than Infinity for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should favor Auto Club (AAA), which typically beats Infinity by $1,067 per year. Check out typical insurance rates by credit tier for Infinity and Auto Club (AAA):
| Credit level | Auto Club (AAA) avg. annual premium | Infinity avg. annual premium |
| Very Poor (300-579) | $6,569 | $7,847 |
| Fair (580-669) | $4,023 | $4,862 |
| Good (670-739) | $3,723 | $3,955 |
| Very Good (740-799) | $3,004 | $4,045 |
| Exceptional (800-850) | $2,814 | $3,881 |
If you're carrying an at-fault crash, speeding violation, reckless driving citation, or DUI in your rear view mirror, Auto Club (AAA) could be a better choice than Infinity. Every insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurance company suits you.
| Violation | Auto Club (AAA) avg. annual premium | Infinity avg. annual premium |
| At-fault accident (damage < $1,000) | $4,078 | $5,774 |
| At-fault accident (damage > $1,000) | $4,002 | $4,487 |
| DUI/DWI | $5,530 | $6,124 |
| Reckless driving | $5,530 | $6,124 |
| Speeding ticket | $4,078 | $4,174 |
Car insurance companies rely on age as an estimator of risk, assigning rates accordingly. An auto insurance policy is usually priciest for young drivers — because of their inexperience — and most affordable for drivers aged 25 or older. Since each insurance company evaluates ages uniquely, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose Auto Club (AAA) instead of Infinity: Auto Club (AAA) offers average yearly savings of $6,035, compared to Infinity.
| Age bracket | Auto Club (AAA) avg. annual premium | Infinity avg. annual premium |
| Teens | $10,256 | $16,291 |
| 20s | $4,644 | $5,588 |
| 30s | $3,248 | $5,588 |
| 40s | $3,195 | $4,077 |
| 50s | $3,083 | $3,716 |
| 60s | $2,887 | $3,365 |
Aside from finances, Auto Club (AAA) and Infinity each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Auto Club (AAA) | Infinity |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Auto Club (AAA) | Infinity |
|---|---|---|
| Financial Strength | Good | Excellent |
| JD Power Rankings | Not Rated | |
| User Satisfaction | N/A | A+ |
| Other Products | Auto Club (AAA) | Infinity |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Auto Club (AAA) | Infinity |
|---|---|---|
| About | Auto Club provides its customers with customizable payment options, competitive rates and excellent features. | Infinity provides non-standard car insurance to drivers who represent higher than normal risks and would otherwise pay higher rates for comparable coverage. |
| Roadside Assistance | AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge. | Infinity's 24 hour roadside assistance is available for towing to the nearest repair facility and labor cost at the site of your disablement. Infinity covers up to 5 disablements within a 12 month period. |
| Additional Discounts | AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members. | Infinity offers an additional discount in most states for registering your policy account profile online. |
| Recent Questions | Can I bundle my renters and new car insurance? We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency. Does roadside assistance cover people not on your policyI haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users. Customer service for AAA roadside assistance only versus AAA auto insurance?Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral. What do I do if my vehicle was totaled while parked?I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest. See More Questions | Is it worth filing a claim for a scratch on my car that happened when it was parked? If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair. When filling out quotes, do I have to disclose an accident that my friend had while driving my car?The questions pertains to you as a driver. The same would go for tickets. If I file a claim for denting my car door on a beam, will my insurance rate increase?Filing a claim where you were the cause of damage will most likely result in an increase in your rate. In Texas, the average increase in premium for an at-fault accident is $817 per year, based on our State of Insurance report. See More Questions |
| Compare More | Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. Safeco Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA | Infinity vs. 21st Century Infinity vs. Allied Infinity vs. Allstate Infinity vs. American Family Infinity vs. Amica Mutual Insurance Infinity vs. Erie Infinity vs. Esurance Infinity vs. Farm Bureau Mutual Infinity vs. Farmers Infinity vs. Foremost Infinity vs. GEICO Infinity vs. Liberty Mutual Infinity vs. Mercury Infinity vs. MetLife Infinity vs. Nationwide Infinity vs. North Star Mutual Infinity vs. Progressive Infinity vs. Safe Auto Infinity vs. Safeco Infinity vs. State Farm Infinity vs. The General Infinity vs. The Hartford Infinity vs. Titan Infinity vs. Travelers Infinity vs. USAA |
| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |