Choosing a car insurance company can be difficult: rates fluctuate based on your location, vehicle, and driving record, and insurers offer a variety of perks. GEICO and Infinity are two of the nation's most popular insurance companies, providing competitively priced policies across large portions of the US.
To help simplify the process of comparing insurance companies, we've pulled average premiums from Infinity and GEICO. These rates cover myriad pricing components, including credit score, driving history, and age. Take a look at these rates and find the perfect policy for you.
Take a deep dive: Read our reviews of GEICO and Infinity.
If you have extremely bad credit, GEICO could be the best option for you. On average, GEICO offers better prices than Infinity for drivers with credit scores of less than 580. Drivers with excellent credit — a score of 800-plus — should opt for GEICO, which typically beats Infinity by $2,817 per year. View common insurance rates by credit tier for Infinity and GEICO:
| Credit level | GEICO avg. annual premium | Infinity avg. annual premium |
| Very Poor (300-579) | $2,051 | $7,847 |
| Fair (580-669) | $1,358 | $4,862 |
| Good (670-739) | $1,485 | $3,955 |
| Very Good (740-799) | $1,120 | $4,045 |
| Exceptional (800-850) | $1,064 | $3,881 |
If you are saddled with an at-fault accident, speeding ticket, reckless driving violation, or DUI in your rear view mirror, GEICO 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.
| Violation | GEICO avg. annual premium | Infinity avg. annual premium |
| At-fault accident (damage < $1,000) | $1,857 | $5,774 |
| At-fault accident (damage > $1,000) | $1,580 | $4,487 |
| DUI/DWI | $2,550 | $6,124 |
| Reckless driving | $2,238 | $6,124 |
| Speeding ticket | $1,395 | $4,174 |
Car insurance companies use age to indicate risk, pricing premiums on a sliding scale. Insurance is usually expensive for teen drivers — due to their inexperience — and most affordable for drivers aged 25 or older. Since each insurance company prices age tiers in a different way, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose GEICO before Infinity: GEICO offers average yearly savings of $12,783, compared to Infinity.
| Age | GEICO avg. annual premium | Infinity avg. annual premium |
| Teens | $3,508 | $16,291 |
| 20s | $1,438 | $5,588 |
| 30s | $1,218 | $5,588 |
| 40s | $1,189 | $4,077 |
| 50s | $1,160 | $3,716 |
| 60s | $1,065 | $3,365 |
Finances aside, GEICO and Infinity both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | GEICO | 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 | GEICO | Infinity |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Average | N/A |
| User Satisfaction |
N/A |
A+ |
| Other Products | GEICO | Infinity |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | GEICO | Infinity |
|---|---|---|
| About | GEICO uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers. | 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 | You can use a mobile app to request service from GEICO's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire. | 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 | GEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness. | Infinity offers an additional discount in most states for registering your policy account profile online. |
| Recent Questions |
I made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim.
However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
See More Questions
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