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 | Not Rated | |
| 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. 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 | What is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off? The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route. My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask. Can I get accident forgiveness after an accident?I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven. Does State Farm match auto insurance quotes with other companies?In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors. 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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