Choosing an auto insurance company can be tough: rates fluctuate by driving record, age, and location, and every company provides a different set of discounts. Farmers and Infinity are two of the most popular insurers, selling high-quality insurance policies in most regions.
In an effort to make shopping for car insurance easier, we've gathered average rates from Infinity and Farmers. The below cover a variety of pricing components, chief among which are credit rating, driving history, and age. Compare rates and find your next car insurance policy today.
Want to find out more? Check out our comprehensive reviews of Farmers and Infinity.
If you have extremely bad credit, Farmers could be the way to go. Typically, Farmers offers better prices than Infinity for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800-plus — should lean toward Farmers, which typically beats Infinity by $2,527 per year. View average insurance costs by credit level for Infinity and Farmers below.
| Credit score | Farmers avg. annual premium | Infinity avg. annual premium |
| Very Poor (300-579) | $2,633 | $7,847 |
| Fair (580-669) | $1,736 | $4,862 |
| Good (670-739) | $1,882 | $3,955 |
| Very Good (740-799) | $1,459 | $4,045 |
| Exceptional (800-850) | $1,354 | $3,881 |
If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI offense in your rear view mirror, Farmers could be a better choice than Infinity. Each auto insurance company prices its policies differently, so don't hesitate to shop around to find out which insurer is best for you.
| Citation | Farmers avg. annual premium | Infinity avg. annual premium |
| At-fault accident (damage < $1,000) | $2,334 | $5,774 |
| At-fault accident (damage > $1,000) | $1,699 | $4,487 |
| DUI/DWI | $3,239 | $6,124 |
| Reckless driving | $4,636 | $6,124 |
| Speeding ticket | $2,045 | $4,174 |
Insurers use a driver's age to outline risk potential, pricing policies accordingly. Auto insurance is usually priciest for teen drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company evaluates age brackets differently, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Farmers over Infinity: Farmers offers average yearly savings of $9,773, compared to Infinity.
| Age | Farmers avg. annual premium | Infinity avg. annual premium |
| Teens | $6,518 | $16,291 |
| 20s | $2,020 | $5,588 |
| 30s | $1,543 | $5,588 |
| 40s | $1,511 | $4,077 |
| 50s | $1,507 | $3,716 |
| 60s | $1,402 | $3,365 |
Cost aside, Farmers and Infinity each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Farmers | 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 | Farmers | Infinity |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A+ | A+ |
| Other Products | Farmers | Infinity |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Farmers | Infinity |
|---|---|---|
| About | Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service. | 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 | Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts. | 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 | Farmers offers an additional discount for seniors. | Infinity offers an additional discount in most states for registering your policy account profile online. |
| Recent Questions | Are some insurance providers better suited to my needs than others to get the best rate? Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle. Does Farmers allow exclusions?While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form. Will my farmers insurance cover my towing off the the NJ turnpikeAlthough I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy. Will insurance cover someone other than the insured?While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary. 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 |
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