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 | Not Rated | |
| 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 additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members 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 | 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 licenseTo sum, having her pay out of pocket might be your best option. Let me explain. Can I get USAA insurance from son in lawAlthough I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law. 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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| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |