Infinity insurance review 2023

Infinity car insurance

Bankrate’s insurance editorial team analyzed more than 100 insurance companies, and according to our assessment, Infinity car insurance could be a good choice for drivers who have difficulty finding coverage with standard carriers. Founded in 1955 in Birmingham, Alabama, Infinity Insurance specializes in nonstandard auto insurance for high-risk drivers. As such, people who cannot purchase regular car insurance from other insurance carriers due to a DUI conviction, poor driving record or claims history might find coverage with Infinity.

Acquired by Kemper Insurance in 2018, Infinity still operates under its own name in California, with its branches in all other states now transitioned under Kemper Auto. This means that while Kemper may be available across the country, Infinity is technically a California-only company.

Compared to some of the best car insurance companies, Infinity’s coverage options are limited. In addition to the standard coverage types that you would expect (bodily injury and property damage, for instance), roadside assistance and rental reimbursement may be available. In addition to providing nonstandard coverage, Infinity provides SR-22 certificate filings, which may be needed to reinstate your license if it has been suspended.

Pros and cons of Infinity car insurance

Finding the best car insurance company can be a tall task, but Bankrate’s insurance editorial team is here to help. In our experience, one of the easiest ways to evaluate a company holistically is to create a list of pros and cons. The visual below might help you determine if the Infinity car insurance can meet your priorities.

Infinity car insurance cost

According to premiums provided by data analytics company Quadrant Information Services, the national average cost of car insurance is $2,014 per year for full coverage, with minimum coverage averaging $622 per year. However, your insurance company might charge you more or less than average, depending on your individual circumstances.

In contrast, Infinity’s rates are higher than the national average, coming in at $2,075 per year for full coverage and $694 for minimum coverage. Infinity’s slightly higher-than-average premiums could be because the company is geared toward high-risk drivers in California (where the average rate is higher than the national average, at $2,291 for full coverage).

Infinity car insurance rates by driving history

Insurance companies use more than a dozen rating factors to determine your rate, with your driving record being one of the most significant. However, the type of activity on your motor vehicle report (MVR) and comprehensive loss underwriting exchange (CLUE) can affect your premium differently. For example, an at-fault accident may cause your rate to increase more than a speeding ticket, as demonstrated by the tables below.

Please note that we have not included DUI rates in this demonstration, as not all companies will offer a policy to drivers with this type of incident on the record. Although Infinity is known for providing coverage for high-risk drivers, it may be best to contact the company directly for more information regarding their average premiums for those with a DUI.

Infinity car insurance quotes by age

Unless you live in Hawaii or Massachusetts, car insurance companies may also use your age as a way to determine how much to charge you for coverage, and generally, younger drivers pay some of the highest premiums. Statistics show that the fatal crash rate for drivers between the ages of 16 and 19 is almost three times higher than that of drivers 20 years old or older. Because younger drivers are more likely to be involved in an accident, insurance companies charge them higher premiums to offset this risk.

Although young people may pay higher-than-average rates, they could save if they are listed on their parents’ policy as a driver rather than purchasing a policy of their own. The tables below demonstrate this difference in premium.

Average cost of car insurance for drivers on their parents’ policy

Average cost of car insurance for drivers on their own policy

Infinity car insurance discounts

Infinity may not be the cheapest car insurance company, but it does offer some discount opportunities that may help you save, including common ones like safe driver, paying in full, and switching to Infinity auto coverage. Discount amounts and eligibility restrictions may vary. For details, please get in touch with an Infinity agent.

Infinity car tools and benefits

When you’re requesting quotes, you might want to consider extra perks the company may offer to help one carrier stand out from the others. The Infinity Driver Club is a service that anyone, even non-Infinity customers, can use for roadside assistance. Instead of paying an annual fee, members can enroll in the program and pay for services as needed.

Additionally, Infinity customers can repair their vehicles at a Kemper Repair Network facility. Although you can choose your repair shop, choosing one of Kemper’s partner facilities does mean that the repairs are guaranteed for as long as you own the car.

Infinity home insurance

Infinity home insurance is offered through a network of non-affiliated independent insurance providers. Infinity does not underwrite its policies, nor can you bundle a home and auto insurance policy, unlike some of the best homeowners insurance companies. To learn more about Infinity’s home insurance policies, prospective customers should contact the company’s customer support.

Because Infinity does not underwrite its own homeowners insurance policies, it is difficult to say what coverage types are available. A description of included coverage options in the homeowners insurance policy is also not available online. However, some basic coverage options that are part of standard homeowners policies include dwelling, other structures, personal property and liability. If you are looking for coverage add-ons, sewer backup and replacement cost are popular options that you may want to ask about.

Infinity life insurance

Like its homeowners insurance product, Infinity life insurance policies are underwritten through undisclosed, non-affiliated companies. Because of this, speaking with a licensed agent and requesting a life insurance quote is the best way to know what policy types or riders are available. For more information, please contact the company directly.

Infinity customer satisfaction

Finding the best car insurance company is more than comparing rates. For some, customer service may be a priority, and for those shoppers, Bankrate analyzes and interprets third-party customer satisfaction scores.

J.D. Power scores are one of the tools our team uses to evaluate this important metric. To better understand this process, know that analytics company J.D. Power conducts annual studies to measure customer satisfaction in the insurance industry. It conducts polls amongst policyholders, compiles this data and issues each carrier a satisfaction score. The highest score a company can receive in a J.D. Power study is 1,000; the higher the score, the more satisfied the insurance company’s customers may be.

Bankrate’s insurance editorial team also reviews the National Association of Insurance Commissioners (NAIC) Complaint Index Report. Through it, the NAIC keeps track of the customer complaints it receives about an insurance company as a whole and complaints for individual product lines. It then converts the number of complaints into an index score. If an insurance company gets an average number of complaints for a company of its size, it will have a complaint index score of 1.0. If the company has more complaints than average, its index score will be higher than 1.0, and vice versa — a score lower than 1.0 indicates fewer complaints than average.

Finally, although financial strength may not be directly correlated to customer service, timely and fair claims payouts could lead to satisfied customers. For instance, if a company has a high financial strength rating issued by AM Best, that means that, historically, it has been able to meet its financial obligations like claims when necessary.

Infinity auto satisfaction

As a company, Infinity has a significantly high NAIC Complaint Index score of 14.33. This data shows that, on average, the NAIC receives far more complaints about Infinity compared to other insurance companies of similar size. Speaking specifically to Infinity’s car insurance customer satisfaction, the company fares a little better, but the picture may still be grim — the company’s private passenger complaint index score is 8.27.

Although J.D. Power did not include Infinity in its 2022 U.S. Auto Insurance Study, it did include Infinity’s parent company Kemper. In the California region, Kemper earned last place for overall customer satisfaction with a score of 748, far below the regional average of 820. Although Infinity and Kemper aren’t technically the same company, since Kemper owns Infinity, this data could cause those with customer service at top-of-mind to pause.

When it comes to financial strength, Infinity has an AM Best rating of A- (Excellent). An Excellent financial strength rating should mean that the company has had the ability to pay out claims in the past. Still, it may be worth noting that the company’s rating was recently downgraded from an A to A-, effective August 11, 2022.

We’re unable to evaluate Infinity’s homeowners and life insurance customer satisfaction since Infinity uses other companies to underwrite these products; customer satisfaction will vary, depending on the carrier Infinity sets you up with. If you decide to purchase these products through Infinity, you may want to do your own research once you know what carrier will provide your coverage.

How to file a claim with Infinity

Filing a car insurance claim is usually a straightforward process. When you contact Infinity to report the accident, the claims representative will ask for some basic information. For example, they will need to know the date the accident took place and the details surrounding the accident. Additionally, they will ask for the other party’s information (if applicable), such as driver’s name, insurance company and policy number.

When you’re ready to file a claim with Infinity, you can do so by:

• Calling 1-800-353-6737
• Reporting the claim on the company’s online portal
• Reporting the claim on Kemper’s mobile app

Getting into a car accident can be stressful, but knowing how to handle the insurance claim might relieve some of the pressure.

Other Infinity perks worth considering

For the most part, Infinity offers no-frills non-standard car insurance for drivers who may have trouble finding coverage elsewhere. However, the company does offer a few perks, including:

• Mobile app: Infinity's mobile app reviews indicate that it may have functionality issues, but it could be a tool worth considering for those that prefer to take a hands-on approach to their car insurance.
• Commercial auto: If you use your vehicle for business purposes, you may have unique risk exposures that a traditional personal auto policy may not cover. This is where a commercial auto policy from Infinity may help.
• Commercial general liability: Infinity's commercial general liability (CGL) policy can provide essential liability coverage, legal fee coverage and financial protection against slander and libel for those who own their own business.
• Knowledge center: Infinity's knowledge center is a repository of informational articles that may help you better understand your car insurance.

Infinity corporate sustainability

Infinity does not share if they have any corporate sustainability initiatives or donations contributed to non-profit organizations.

Not sure if Infinity is right for you?

Bankrate’s Infinity Insurance review has revealed that this company could be a good choice for California drivers seeking nonstandard insurance. However, you may still have questions on if Infinity is the right company for you. If you want some additional options, or if you live outside of California, you may want to consider requesting quotes from the carriers below:

Infinity vs. Erie

Although Erie is a smaller regional carrier, it is limited to 12 states and Washington, D.C. compared to Infinity’s California-only coverage. Erie’s competitive rates could help high-risk drivers save on their car insurance.

Learn more: Erie Insurance review

Infinity vs. Direct Auto

Another nonstandard auto insurance carrier, Direct Auto could be another alternative to Infinity. The company also caters to Spanish-speaking customers and offers life insurance.

Learn more: Direct Auto Insurance review

Infinity vs. State Farm

As the 2023 Bankrate Award winner for best insurance company for high-risk drivers, State Farm could be a solid choice for those considering Infinity. Along with auto, it also underwrites its own homeowners and life insurance products, which could be ideal for those who wish to keep their policies under one insurer.

Learn more: State Farm Insurance review

Is Infinity a good insurance company?

Bankrate has been a trusted voice in the financial services sector since 1976, and to better support our readers in understanding their coverage needs, four members of our editorial team are licensed agents. As a whole, our insurance editorial team has nearly 50 years of combined industry experience and we leverage our knowledge to conduct comprehensive company reviews. Our goal is to give you a clear and honest view of an insurance company and its offerings.

With that said, Infinity insurance may not be for everyone, but it could be an excellent choice for high-risk drivers in California. Many companies may not provide coverage to those with multiple incidents on their record or don’t provide SR-22 filings, but Infinity may be able to help in these situations. However, if you’re a Californian with standard risk who values customer service and a highly-rated mobile app, you may have better options. To see if Infinity is a good fit for you, you might find it helpful to contact the company or go online to request a quote.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16–20 added to their parents’ policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.