Choosing a car insurance company is difficult: the rates each insurer offers can vary widely based on your location, vehicle, and driving record, and every company provides a different set of discounts. USAA and Infinity are counted among the nation's most popular insurance companies, selling competitively priced policies across most of the US.
To help simplify the process of comparing insurance companies, we pulled average policy rates from Infinity and USAA. The below cover myriad rating factors, including credit history, driving infractions, and age. Examine these figures and find the perfect policy for you.
Want to find out more? Check out our full reviews of USAA and Infinity.
If you have very poor credit, USAA could be the best option for you. Typically, USAA offers cheaper rates than Infinity for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should lean toward USAA, which typically beats Infinity by $3,041 per year. Check out average insurance rates by credit score for Infinity and USAA below.
| Credit level | USAA avg. annual premium | Infinity avg. annual premium |
| Very Poor (300-579) | $2,682 | $7,847 |
| Fair (580-669) | $1,247 | $4,862 |
| Good (670-739) | $1,057 | $3,955 |
| Very Good (740-799) | $910 | $4,045 |
| Exceptional (800-850) | $840 | $3,881 |
If you are saddled with an at-fault crash, speeding ticket, reckless driving violation, or DUI in your recent history, USAA could be a better choice than Infinity. Every insurer will handle driving offenses differently, so it's worth comparing quotes to figure out which insurer suits you.
| Infraction | USAA avg. annual premium | Infinity avg. annual premium |
| At-fault accident (damage < $1,000) | $1,304 | $5,774 |
| At-fault accident (damage > $1,000) | $947 | $4,487 |
| DUI/DWI | $1,952 | $6,124 |
| Reckless driving | $1,472 | $6,124 |
| Speeding ticket | $1,124 | $4,174 |
Insurers rely on age to estimate risk, pricing policies on a sliding scale. Insurance is often expensive for drivers younger than 25 — thanks to their inexperience — and more affordable for drivers aged 25 or older. Since each insurance company rates age brackets differently, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose USAA over Infinity: USAA offers average yearly savings of $13,427, compared to Infinity.
| Age bracket | USAA avg. annual premium | Infinity avg. annual premium |
| Teens | $2,864 | $16,291 |
| 20s | $1,261 | $5,588 |
| 30s | $963 | $5,588 |
| 40s | $957 | $4,077 |
| 50s | $889 | $3,716 |
| 60s | $845 | $3,365 |
Aside from affordability, USAA and Infinity each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | USAA | 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 | USAA | Infinity |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Excellent | N/A |
| User Satisfaction |
A++ |
A+ |
| Other Products | USAA | Infinity |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | USAA | Infinity |
|---|---|---|
| About | USAA is known for their award-winning service, distinguished products and making their customers' needs a priority. | 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 | 24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence. | 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 | USAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance. | Infinity offers an additional discount in most states for registering your policy account profile online. |
| Recent Questions |
Am I covered for an accident if my policy had lapsed while without an Uber passenger?
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
See More Questions
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