USAA vs Infinity Car Insurance

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USAA or Infinity:
Which Company is Best for You?

Choosing an auto insurance company is sometimes difficult: companies' rates may vary by driving record, age, and location, and every company provides a different set of discounts. USAA and Infinity are two of America's top insurance companies, selling competitively priced insurance policies in most US states.

In an effort to make shopping for car insurance easier, we collected average prices from Infinity and USAA. The below cover a variety of pricing components, including credit rating, driving infractions, and age. Check out the below rates and find the perfect policy for you.


USAA vs. Infinity: insurance rate comparison


USAA vs. Infinity: pricing by credit score

If you have very poor credit, USAA could be the way to go. Typically, USAA offers better premiums than Infinity for drivers with credit scores of lower than 580. Drivers with excellent credit — a score of 800-plus — should lean toward USAA, which typically beats Infinity by $3,041 annually. Check out typical insurance rates by credit score for Infinity and USAA:


CREDIT SCORE INSURANCE RATE COMPARISON: Infinity VS. USAA
Credit scoreUSAA avg. annual premiumInfinity 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

USAA vs. Infinity: rates for bad drivers

If you are dealing with an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving résumé, USAA could be a better choice than Infinity. Every insurance company enacts rate penalties differently, so don't be afraid to shop around to understand which insurance company suits you.


RATES BY VIOLATION: Infinity VS. USAA
ViolationUSAA avg. annual premiumInfinity 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

USAA vs. Infinity: rates by age

Car insurance companies use age to outline potential risk, pricing policies accordingly. Insurance is commonly priciest for drivers younger than 25 — due to their increased odds of being involved in an accident — and most affordable for older drivers. Because every insurance company prices ages in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose USAA over Infinity: USAA offers average yearly savings of $13,427, compared to Infinity.


RATES BY AGE BRACKET: Infinity VS. USAA
Age tierUSAA avg. annual premiumInfinity 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

Finances aside, USAA and Infinity both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonUSAAInfinity
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 ComparisonUSAAInfinity
Financial Strength SuperiorExcellent
JD Power Rankings
5 out of 5
Not Rated out of 5
User Satisfaction

A++

A+

Other ProductsUSAAInfinity
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAInfinity
AboutUSAA 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 Assistance24-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 DiscountsUSAA 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 QuestionsCan my brother use his insurance for damage he caused to my vehicle?

I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...

Agree to be paid out of pocket with driver with no license

My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...

Can I get USAA insurance from son in law

My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...

Does USAA membership extend to grandchildren

My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...

See More Questions
Is it worth filing a claim for a scratch on my car that happened when it was parked?

I was parked on the street for a few hours and came back to a scratch from my back driver-side ...

When filling out quotes, do I have to disclose an accident that my friend had while driving my car?

A friend of mine got into an accident in my car while it was not insured. I’m currently looking for ...

If I file a claim for denting my car door on a beam, will my insurance rate increase?

I was parked in my driveway and opened my door into a beam that was sticking out of a pile ...

See More Questions
Compare MoreUSAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersInfinity vs. 21st Century Infinity vs. Allied Infinity vs. Allstate Infinity vs. American Family Infinity vs. Amica Mutual Insurance Infinity vs. Auto Club (AAA) Infinity vs. Erie Infinity vs. Esurance Infinity vs. Farm Bureau Mutual Infinity vs. Farmers Infinity vs. Foremost Infinity vs. GEICO Infinity vs. Liberty Mutual Infinity vs. Mercury Infinity vs. MetLife Infinity vs. Nationwide Infinity vs. North Star Mutual Infinity vs. Progressive Infinity vs. SAFECO Infinity vs. Safe Auto Infinity vs. State Farm Infinity vs. The General Infinity vs. The Hartford Infinity vs. Titan Infinity vs. Travelers
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

USAA vs Infinity

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