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 | Excellent | N/A |
| 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 Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, 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 |
Should senior citizens carry collision insurance?
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.
Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
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 turnpike
Although 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.
See More Questions
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