Choosing an auto insurance company can be difficult: rates vary based on your driving history, age, and location, and companies offer an array of discounts. Infinity and Safe Auto are counted among the most popular insurance companies, providing high-quality policies in most states across the US.
In an effort to take the sting out of shopping for car insurance, we've gathered typical policy rates from Safe Auto and Infinity. These rates cover a variety of rating factors, including credit rating, driving history, and age. Examine these figures and find the right policy for you.
Seeking more info? Read full-length reviews of Infinity and Safe Auto.
If you have very bad credit, Safe Auto could be the way to go. On average, Safe Auto offers lower premiums than Infinity for prospective clients with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should favor View common insurance costs by credit tier for Safe Auto and Infinity:
| Credit score | Infinity avg. annual premium | Safe Auto avg. annual premium |
| Very Poor (300-579) | $7,847 | $3,799 |
| Fair (580-669) | $4,862 | $2,483 |
| Good (670-739) | $3,955 | $3,358 |
| Very Good (740-799) | $4,045 | $1,937 |
| Exceptional (800-850) | $3,881 | $1,921 |
If you're dealing with an at-fault collision, speeding ticket, reckless driving citation, or DUI on your résumé, Safe Auto could be a better choice than Infinity. Every car insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer suits you.
| Citation | Infinity avg. annual premium | Safe Auto avg. annual premium |
| At-fault accident (damage < $1,000) | $5,774 | $2,867 |
| At-fault accident (damage > $1,000) | $4,487 | $2,837 |
| DUI/DWI | $6,124 | $2,867 |
| Reckless driving | $6,124 | $2,867 |
| Speeding ticket | $4,174 | $2,738 |
Insurers rely on a driver's age to outline potential risk, assigning rates accordingly. Insurance is often more expensive for young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every auto insurance company evaluates age brackets uniquely, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Safe Auto over Infinity: the former's average annual rates are $8,029 less than the latter's..
| Age | Infinity avg. annual premium | Safe Auto avg. annual premium |
| Teens | $16,291 | $8,262 |
| 20s | $5,588 | $2,764 |
| 30s | $4,033 | $2,764 |
| 40s | $4,077 | $2,053 |
| 50s | $3,716 | $1,862 |
| 60s | $3,365 | $1,707 |
Cost aside, Infinity and Safe Auto both have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Infinity | Safe Auto |
|---|---|---|
| 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 | Infinity | Safe Auto |
|---|---|---|
| Financial Strength | Excellent | Good |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A+ | A+ |
| Other Products | Infinity | Safe Auto |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Infinity | Safe Auto |
|---|---|---|
| About | Infinity provides non-standard car insurance to drivers who represent higher than normal risks and would otherwise pay higher rates for comparable coverage. | Safe Auto strives to provide affordable insurance to every driver, no matter the situation. |
| Roadside Assistance | 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. | Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable. |
| Additional Discounts | Infinity offers an additional discount in most states for registering your policy account profile online. | Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues. |
| Recent 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 | Should I get full coverage from a less well-known insurer? Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies. Who is at-fault when parking spot stopper had bolts sticking out of it?Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible. If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver. Do car insurance companies share information?The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record. See More Questions |
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