Picking an auto insurance company can be tough: rates may vary by driving history, location, and age, and every company's discounts vary. Infinity and safeco are two of the most popular car insurance companies, offering affordable insurance policies in most regions.
To make shopping for car insurance easier, we've pulled average rates from safeco and Infinity. These rates cover a variety of pricing factors, including credit rating, driving behavior, and age. Examine these figures and find your next car insurance policy today.
Find out more: Read our full reviews of Infinity and Safeco.
If you have very poor credit, safeco could be the way to go. Typically, safeco offers more affordable rates than Infinity for prospective clients with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should favor View typical insurance rates by credit score for safeco and Infinity below.
| Credit score | Infinity avg. annual premium | safeco avg. annual premium |
| Very Poor (300-579) | $7,847 | $5,308 |
| Fair (580-669) | $4,862 | $2,716 |
| Good (670-739) | $3,955 | $1,967 |
| Very Good (740-799) | $4,045 | $1,871 |
| Exceptional (800-850) | $3,881 | $1,655 |
If you're saddled with an at-fault collision, speeding ticket, reckless driving citation, or DUI on your résumé, safeco could be a better choice than Infinity. Every insurer prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.
| Citation | Infinity avg. annual premium | safeco avg. annual premium |
| At-fault accident (damage < $1,000) | $5,774 | $2,546 |
| At-fault accident (damage > $1,000) | $4,487 | $1,969 |
| DUI/DWI | $6,124 | $2,796 |
| Reckless driving | $6,124 | $2,853 |
| Speeding ticket | $4,174 | $2,512 |
Auto insurance companies use age as an indicator of potential risk, assigning rates accordingly. A car insurance policy is usually expensive for beginning and young drivers — due to their increased odds of being involved in an accident — and more affordable for older drivers. Because every car insurance company prices age brackets uniquely, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose safeco over Infinity: the former's average annual rates are $8,526 less than the latter's..
| Age tier | Infinity avg. annual premium | safeco avg. annual premium |
| Teens | $16,291 | $7,765 |
| 20s | $5,588 | $2,566 |
| 30s | $4,033 | $2,566 |
| 40s | $4,077 | $2,128 |
| 50s | $3,716 | $1,745 |
| 60s | $3,365 | $1,687 |
Aside from finances, Infinity and safeco come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | Infinity | Safeco |
|---|---|---|
| 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 | Safeco |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A+ | A+ |
| Other Products | Infinity | Safeco |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Infinity | Safeco |
|---|---|---|
| About | Infinity provides non-standard car insurance to drivers who represent higher than normal risks and would otherwise pay higher rates for comparable coverage. | Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company. |
| 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. | Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts. |
| Additional Discounts | Infinity offers an additional discount in most states for registering your policy account profile online. | Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service. |
| 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 | What can I do about fixing incorrect information on my driving record? It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history. If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing. Should I file a claim if my repair cost is $1,500?In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame. Can I put my insurance on hold due to temporary disability?Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future. See More Questions |
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