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Infinity insurance review 2022

Updated Nov 15, 2022
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Infinity Auto Insurance could be worth a look for high-risk drivers in California who are looking for different options to meet their car insurance needs. 

Pros

  • High-risk drivers who may have trouble finding car insurance from traditional companies might qualify for car insurance through Infinity
  • Car insurance can be bought from one of three tiers, or personalized individually
  • Online portal and mobile app could be useful for easy policy management

Cons

  • Average car insurance rates from Infinity are more expensive than the national average
  • NAIC Complaint Index score of 15.62 indicates Infiniti receives 15 times as many complaints as is considered normal
  • Infinity Insurance is only available in California, although policies from its main company Kemper Auto may be available in more states
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Founded in 1955 in Birmingham, Alabama, Infinity Insurance specializes in non-standard auto insurance for high-risk drivers who may be unable to find car insurance elsewhere. 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.

In addition to auto insurance, Infinity also offers homeowners insurance, business insurance, and a roadside membership club called Infinity DriverClub. Prospective insureds who value accessibility can rely on in-person service through local agents and brokers as well as a mobile app for all of their insurance needs. In this Infinity Insurance review, Bankrate’s insurance experts break down everything you need to know.

Infinity car insurance

Infinity car insurance’s main focus is non-standard car insurance, which is a type of policy intended for high-risk drivers. People who cannot purchase regular car insurance from other insurance carriers due to a DUI conviction, poor driving record or claims history may be able to get the coverage with Infinity. Overall, Infinity’s car insurance offering is fairly limited. There are several discounts available, but the policies tend to be more expensive, on average.

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After mandatory coverage, like bodily injury and property damage liability, drivers can choose to add optional collision and comprehensive coverage for their vehicle and medical payments for themselves and any passengers. Infinity Insurance also provides SR-22 certificate filings. An SR-22 certificate proves a driver carries at least the state minimum required insurance limits. Drivers typically need an SR-22 to reinstate their license if it has been suspended.

Infinity car insurance cost

On average, a car insurance policy from Infinity Insurance costs $2,067 per year for full coverage insurance and $738 for minimum coverage insurance, based on Bankrate’s 2022 study of average quoted annual premiums. In comparison, the U.S. national average cost of full coverage car insurance is $1,771 per year, 17% less than Infinity’s car insurance average.

Infinity auto insurance may be 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 riskier drivers who are statistically more likely to file a claim.

Infinity average annual full coverage premium National average annual full coverage premium
Clean driving history $2,067 $1,771
Speeding ticket conviction $2,714 $2,138
At-fault accident $3,912 $2,521
Adding a 16-year-old driver $8,425 $3,852

Infinity car insurance discounts

Infinity Insurance offers a handful of discounts that can help drivers save money on their car insurance. According to its website, discounts could help drivers save up to $679 on their car insurance policy, though the amount of savings and availability of discounts vary depending on individual rates and coverage selections. In addition to common discounts like multi-car, safe driver discount and electronic automated payments discounts, here are a few more unique discounts available from Infinity:

Infinity car services

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.

Infinity customers can also 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.

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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, personal property and liability. When looking for the best homeowners insurance policy, you can also inquire about medical payments and loss of use coverage.

Infinity home insurance discounts

Similarly, Infinity does not disclose any home insurance discounts online. The insurance company underwriting the homeowners insurance policy will determine the specific discounts available, so it’s a good idea to ask during the quoting process what savings are available to you. From there, you’ll be able to compare your quoted premium against the national average cost of homeowners insurance.

Other Infinity perks worth considering

When it comes to personal lines insurance, Infinity only offers auto and home insurance. If you’re a business owner, its commercial vehicle and general liability policies may be of interest to protect your business.

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?

Finding the best car insurance can take a few tries, but doing so can help ensure you find a carrier that best fits your needs and budget. Some alternatives to Infinity insurance to explore might be:

  • Erie: Although limited to 12 states and Washington, D.C., Erie’s competitive rates for high-risk drivers could be worth exploring for a quote.
  • Direct Auto: Another non-standard auto insurance carrier, Direct Auto could be another alternative to Infinity. The company also caters to Spanish-speaking customers.
  • State Farm: State Farm is ranked as one of Bankrate’s top car insurance carriers and offers both home and auto insurance policies for customers who want all their insurance policies in one place.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes, and carriers in all 50 states and Washington, D.C. 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 2020 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 18-60 (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.

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.

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