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Infinity Insurance Review 2022: Car, home and life

A father holding his small son in his arms while stepping out of his car.
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Founded in 1955 in Birmingham, Alabama, Infinity Insurance specializes in non-standard auto insurance for high-risk drivers who may not be able to find car insurance elsewhere. Although 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.

  • Date established: 1955
  • Insurance products offered: Auto and home insurance
  • AM Best financial strength rating: A (Excellent)
  • NAIC complaint index: 15.62 (higher than the national baseline of 1.0)
Pros Cons
High-risk drivers who may have trouble finding car insurance from traditional companies may be able to qualify for car insurance through Infinity NAIC Complaint Index score of 15.62 indicates Infiniti receives 15 times as many complaints as is considered normal
Insurance services available through local, in-person agencies and mobile app Infinity Insurance is only available 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 from other carriers due to a DUI conviction, poor driving record or claims history may be able to 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 on average.

Types of coverage

Infinity offers minimum coverage insurance that meets state requirements. Basic coverage includes liability, uninsured and underinsured motorist coverage, medical payments, collision coverage and comprehensive coverage. Beyond these, there are only a handful of add-on optional coverage types for drivers who want to further personalize their policy. Below are the coverage options available:

  • Personal injury protection (PIP): 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 accident.
  • 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. While it is free to join, members pay for the services they use when they need it. They can also call for assistance even if they are a passenger.

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.

Cost of Infinity car insurance

On average, a car insurance policy from Infinity Insurance costs $1,859 per year for full coverage insurance and $847 for minimum coverage insurance, based on Bankrate’s 2021 study of average quoted annual premiums. In comparison, the U.S. national average cost of full coverage car insurance is $1,674 per year.

Average annual premium for minimum coverage Average annual premium for full coverage
$847 $1,859

Infinity auto insurance is more expensive than average because it caters to high-risk drivers. Non-standard car insurance companies, like Infinity typically, often charge more for coverage because they insure risky drivers who are 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 could save up to $679 on their car insurance policy, though the amount of savings and availability of discounts will 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:

  • Paid in full discount: Drivers who pay in one lump sum could save up to 15% off their car insurance premium.
  • Switch-and-save discount: Drivers switching to Infinity Auto from another insurer could receive a discount of up to 15%.

Infinity home insurance

Infinity sells home insurance 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.

Types of coverage

Because Infinity does not underwrite its own homeowners insurance policies, it is difficult to say what exact 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.


Similarly, Infinity does not disclose any home insurance discounts online. The insurance company underwriting the homeowners insurance policy will determine the specific discounts available. Some of the most common homeowners insurance discounts that can help save money on homeowners insurance are:

  • Pay in full discount: If your homeowners insurance policy is paid upfront and in full, there may be a discount applied to the premium.
  • Auto-pay discount: If a recurring payment is set up for this policy, the policy may qualify for a discount.

Infinity life insurance

Similar to its home insurance, Infinity’s life insurance is offered through non-affiliated insurance companies, meaning Infinity does not underwrite its policies. Individuals who are shopping for term life insurance should contact Infinity’s customer support to find out which companies sell life insurance through Infinity and get a quote. If looking for a wider variety of life insurance policies, it may be worth researching the best life insurance companies for 2021.

Types of policies offered

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 there is no medical exam requirement 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 good option

Infinity Insurance could be a good option for drivers in California who cannot get standard car insurance from traditional insurance providers. These include drivers who have been convicted of a DUI, have multiple insurance claims or have been in multiple at-fault accidents.

Unfortunately, drivers looking for other types of insurance and the benefit of a multi-policy discount will not find a solution with Infinity Insurance. Infinity does not underwrite its own home or life insurance policies, so it is difficult to explore different coverage options, discounts and availability in an Infinity insurance review. 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.

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 or Standard & Poor (S&P), but it does have an A rating from AM Best, indicating excellent financial strength. However, its complaint index of 15.62 is significantly higher than the national baseline, according to the National Association of Insurance Commissioners’ (NAIC) Company Complaint Index.

Additional policies offered by Infinity

In addition to car insurance, Infinity offers a handful of other insurance products. They include the following:

  • Commercial vehicle insurance
  • Commercial general liability insurance
  • Business insurance

Frequently asked questions

What is the best auto insurance company?

The best auto insurance company is different for every driver depending on your needs. It can help to assess your situation, such as how many vehicles and young drivers will need to be insured and your coverage requirements to help narrow down a list of potential auto insurance companies. From there, 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 offer SR-22 insurance certificates?

Yes, Infinity Insurance does offer SR-22 filing. An SR-22 is not its own insurance policy, but an addition to an existing car insurance policy. Also referred to as a “​certificate of financial responsibility,” this document confirms that you meet the minimum required amount of car insurance in your state and is typically filed by your car insurance company.

What is the best home insurance company?

Like with auto insurance, the best homeowners insurance company is going to vary for each homeowner based on their needs. When looking for homeowners insurance, some factors to consider are coverage types, discounts and rating factors by agencies like AM Best, J.D. Power and the NAIC. Obtaining quotes from more than one company and speaking to licensed insurance agents can help give an idea of the best homeowners insurance policy for you.

What options do I have with Infinity Insurance if I do not live in California?

If you don’t reside in California, you can consider Infinity Insurance’s parent company, Kemper Insurance. In addition to offering non-standard auto insurance, Kemper have homeowners, renters, condo, mobile home and flood policy, among many other insurance products.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:

  • $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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
June Sham
Insurance Writer
June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.
Edited by
Insurance Editor