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 | Above average | N/A |
| 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 |