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Choosing an auto insurance company can be complicated: rates can fluctuate by driving history, location, and age, and companies offer an array of discounts. American Family and Infinity are two of the top auto insurance companies, selling competitively priced coverage across large portions of the US.
In an effort to simplify the insurance-shopping process, we've gathered average premiums from Infinity and American Family. These take into account myriad rating factors, including credit rating, driving record, and age. Examine these figures and find an affordable policy today.
Want to find out more? Read our reviews of American Family and Infinity.
If you have very bad credit, American Family could be the way to go. On average, American Family offers cheaper rates than Infinity for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should lean toward American Family, which typically beats Infinity by $2,940 annually. Check out common insurance rates by credit tier for Infinity and American Family below.
| Credit level | American Family avg. annual premium | Infinity avg. annual premium |
| Very Poor (300-579) | $1,931 | $7,847 |
| Fair (580-669) | $1,294 | $4,862 |
| Good (670-739) | $1,220 | $3,955 |
| Very Good (740-799) | $1,009 | $4,045 |
| Exceptional (800-850) | $941 | $3,881 |
If you're dealing with an at-fault collision, speeding ticket, reckless driving violation, or DUI on your record, American Family could be a better choice than Infinity. Each auto insurance company prices its policies differently, so always do your due diligence and compare quotes to find out which insurance company suits you.
| Infraction | American Family avg. annual premium | Infinity avg. annual premium |
| At-fault accident (damage < $1,000) | $1,763 | $5,774 |
| At-fault accident (damage > $1,000) | $990 | $4,487 |
| DUI/DWI | $1,857 | $6,124 |
| Reckless driving | $1,857 | $6,124 |
| Speeding ticket | $1,270 | $4,174 |
Insurance companies use a driver's age to indicate risk, assigning rates on a sliding scale. An insurance policy is often most expensive for drivers younger than 25 — because of their inexperience — and relatively affordable for middle-aged drivers. Because every car insurance company evaluates age tiers in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose American Family before Infinity: American Family offers average yearly savings of $12,481 versusInfinity.
| Age | American Family avg. annual premium | Infinity avg. annual premium |
| Teens | $3,810 | $16,291 |
| 20s | $1,685 | $5,588 |
| 30s | $1,101 | $5,588 |
| 40s | $1,089 | $4,077 |
| 50s | $1,089 | $3,716 |
| 60s | $986 | $3,365 |
Affordability aside, there are myriad pros and cons of both American Family and Infinity, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | American Family | 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 | American Family | Infinity |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A | A+ |
| Other Products | American Family | Infinity |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | American Family | Infinity |
|---|---|---|
| About | American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships. | 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 | American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys). | 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 | None Available | Infinity offers an additional discount in most states for registering your policy account profile online. |
| Recent 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 | American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. Safe Auto American Family vs. Safeco American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA | Infinity vs. 21st Century Infinity vs. Allied Infinity vs. Allstate Infinity vs. Amica Mutual Insurance Infinity vs. Auto Club (AAA) 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 |