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: premium comparison
Auto Club (AAA) vs. Infinity: pricing by credit score
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):
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Infinity VS. 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: rates for drivers with bad records
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.
RATES BY CITATION: Infinity VS. Auto Club (AAA)
| 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: rates 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.
RATES BY AGE: Infinity VS. Auto Club (AAA)
| 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 |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Advanced Purchase |
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| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle | ||
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| Military |
| Ratings Comparison | Auto Club (AAA) | Infinity |
|---|---|---|
| Financial Strength | Good | Excellent |
| JD Power Rankings | Below average | Not Rated |
| User Satisfaction |
N/A |
A+ |
| Other Products | Auto Club (AAA) | Infinity |
|---|---|---|
| Boat Insurance |
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| Condo Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| 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. |
| Recent Questions |
I want to get my own car insurance, but my mom won't let me.
Because your mother has an umbrella policy through AAA, she is likely required to have you rated as a driver on her policy. This is a common requirement with insurance carriers who offer umbrella insurance.
Can a bank add insurance to my loan when I already have insurance?
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.
Can I get AAA roadside assistance without having insurance with them?
You should be able to purchase roadside assistance with AAA without switching your insurance coverage to AAA. Their roadside coverage is actually offered separate from their insurance policies for this specific reason.
See More Questions
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