Infinity Insurance Review 2021: Car, home and life

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Infinity Insurance was founded in 1955 and is headquartered in Birmingham, Alabama. The company specializes in non-standard auto insurance and is currently the second-largest writer of non-standard car insurance policies in the country. In 2018, Infinity Insurance was acquired by Kemper Insurance. Since then, all offices of Infinity Insurance outside of California have transitioned into Kemper Auto offices.

Infinity offers various insurance products, including non-standard car insurance, homeowners insurance, life insurance and business insurance. The company only sells insurance in California.

Infinity car insurance

Infinity Insurance primarily sells non-standard car insurance, which is a type of policy intended for high-risk drivers. People who cannot purchase regular car insurance due to a DUI conviction, poor driving record or claims history can get the coverage they need with Infinity. Overall, Infinity’s car insurance offering is fairly limited. There are several discounts available, but the policies tend to be more expensive in the first place.

Types of coverage

Infinity offers minimum coverage insurance that meets state requirements. Unfortunately, there are only a handful of add-on coverages for drivers who want to customize their policy. Here are the coverages available:

  • Basic coverage: Infinity offers collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage.
  • SR-22 certificates: An SR-22 certificate proves a driver carries the state minimum required insurance coverage. A driver needs an SR-22 to get their license back if it has been suspended.
  • Personal injury protection: Personal injury protection (PIP) is mandatory in no-fault states. It covers the cost of medical bills and lost wages after an accident, regardless of who caused the crash.
  • Infinity DriverClub®: Infinity offers a free membership program called Infinity DriverClub®, which offers roadside assistance coverage for basic repairs, towing, battery services and refueling if a car breaks down.

Cost of Infinity car insurance

On average, a car insurance policy from Infinity Insurance costs $1,908 per year for full coverage insurance and $595 for minimum coverage insurance. In comparison, the United States national average cost of full coverage car insurance is $1,738 per year.

Minimum Coverage Full Coverage
$595 $1,908

Infinity car insurance is more expensive than average because it caters to high-risk drivers. Non-standard car insurance companies like Infinity typically charge more for coverage because they insure risky drivers statistically more likely to file a claim.


Infinity Insurance offers a handful of discounts that can help drivers save money on their car insurance. According to its website, drivers can save up to $679 on their car insurance policy. Here are the discounts available from Infinity:

  • Multi-car discount
  • Safe driver discount
  • Paid in full discount
  • Electronic payment discount
  • Switch-and-save discount

Infinity home insurance

Infinity sells home insurance through a network of independent insurance providers. The company does not underwrite its policies, nor can you bundle a home and auto insurance policy. To learn more about Infinity’s home insurance policies, prospective customers should contact customer support.

Types of coverage

Because Infinity does not underwrite its own homeowners insurance policies, it is difficult to say exactly what coverages are available. However, here are some basic coverages that most home insurance providers offer:

  • Basic coverage: Most home insurance companies sell dwelling, personal property, liability, medical payments and loss of use coverage
  • Sump pump/water backup coverage: Many insurance companies sell an add-on coverage that pays to repair clogged or damaged sump pumps and water pipes.
  • Scheduled personal property coverage: Homeowners might be able to get a scheduled personal property endorsement, which increases coverage limits for valuables, like jewelry or art.


Similarly, Infinity does not disclose any home insurance discounts online. The underwriter determines the specific discounts available. However, some of the most common homeowners insurance discounts are:

  • Claims-free discount
  • Anti-theft device discount
  • Pay in full discount
  • AutoPay discount
  • New home discount

Infinity life insurance

Infinity’s life insurance works similarly to its home insurance. The company offers life insurance policies through non-affiliated insurance companies, meaning Infinity does not underwrite its policies. Individuals who are shopping for life insurance should contact Infinity’s customer support to find out which companies sell life insurance through Infinity and get a quote.

Types of coverage:

Even though Infinity does not directly sell life insurance policies, it does disclose that it only offers term life insurance available in 10-, 15-, 20- or 30-year terms. Applicants will need to answer basic health questions but do not have to take a medical exam to get approved. Coverage begins the same day as approval.

Riders or endorsements

Infinity does not disclose information about life insurance riders or endorsements. Those would likely be determined by the non-affiliated insurance company that underwrites the policy.

Reasons why Infinity is a great option

Infinity is a great option for drivers who cannot get standard car insurance from a regular insurance provider, including drivers who have been convicted of a DUI, have a poor credit score, have multiple insurance claims or have been in multiple at-fault accidents.

Unfortunately, the benefits end there. Infinity does not underwrite its own home or life insurance policies, so it is difficult to say how good they are. Additionally, Infinity does not include much information online about its insurance policies. This company is probably not the best option for someone purchasing insurance for the first time who needs help navigating the process.

It is also only available in California, but people interested in Infinity could consider looking at the policies offered by the provider that acquired it, Kemper Insurance.

Additional policies offered by Infinity

Infinity offers a handful of common insurance policies. Besides auto, home and life insurance, Infinity Insurance also sells the following policies:

  • ATV insurance
  • Boat insurance
  • Classic car insurance
  • RV insurance
  • Business insurance
  • Renters insurance
  • Condo insurance
  • Mobile home insurance
  • Flood insurance

Infinity ratings, reviews, customer satisfaction and complaints

Infinity Insurance only has a few ratings and reviews. The company is not rated by J.D. Power, but it does have an A- rating from AM Best, indicating excellent financial strength. However, its complaint index of 7.0 is significantly higher than average according to the National Association of Insurance Commissioners’ (NAIC) Company Complaint Index.

Frequently asked questions:

What is the best auto insurance company?

The best auto insurance company is different for every driver. However, some of the best providers on the market are State Farm, Geico, USAA and The Hartford. It’s a good idea to shop around and compare rates and then speak with a licensed insurance agent before purchasing a policy.

Does Infinity sell SR-22 insurance certificates?

Yes, Infinity does sell SR-22 insurance certificates to high-risk drivers. Infinity will also file an SR-22 with the state’s department of motor vehicles (DMV) on the driver’s behalf.

What is the best home insurance company?

Like with auto insurance, the best homeowners insurance company is going to vary. Some companies are good for cheap rates, and others are better for customer service. Some of the top providers are Amica, MetLife, USAA and Chubb.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as, The Simple Dollar, and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.