AAA vs Infinity: Which is Better for You?

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Auto Club (AAA) or Infinity: Which company is best for you?

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.


Auto Club (AAA) vs. Infinity: by credit level

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

Auto Club (AAA) vs. Infinity: by citation

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

Auto Club (AAA) vs. Infinity: by age

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 supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported
Student Away at School supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported supported
Advanced Purchase supported supported
Pay in Full supported supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Ratings Comparison Auto Club (AAA) Infinity
Financial Strength Question mark icon Good Excellent
JD Power Rankings Question mark icon Below average Not Rated
User Satisfaction Question mark icon



Other Products Auto Club (AAA) Infinity
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
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 Original Owner 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.
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