Infinity Car Insurance Reviews: Costs and Ratings (2024)

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Licensed auto and home insurance agent

3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Updated April 10, 2023

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When you’re searching online for car insurance, you’ll come across an array of auto insurers, perhaps including Infinity Insurance. Purchased by Kemper Insurance in 2018, Infinity now sells auto insurance only in California.[1] The company’s auto insurance operations have been taken over by Kemper Auto in other states, but Infinity also sells home and business insurance.

Infinity specializes in nonstandard car insurance that covers high-risk motorists, including teenagers and drivers with traffic violations, speeding tickets, drunk driving convictions, or other serious violations. Overall, Infinity has a poor reputation among consumers.

Infinity specializes in nonstandard auto insurance for high-risk drivers.

Most Americans aren’t able to purchase auto insurance from Infinity.

Infinity reviews skew negative, with many consumers citing bad customer service.

What is Infinity car insurance?

When Kemper completed its $1.6 billion purchase of Infinity in 2018, Infinity had about 2,300 employees and 10,600 independent agents, making it one of the largest nonstandard auto insurers in the U.S. at the time. The Infinity website now indicates the company employs more than 1,900 people.

The first iteration of the company started in 1955 as Dixie Insurance, but the Infinity Property & Casualty Corporation eventually went into public offering on NASDAQ in 2003.[2] Formerly licensed to sell car insurance in all 50 states and Washington, D.C., Infinity now only sells it in California.

How does Infinity auto insurance work?

As a nonstandard insurer, Infinity covers drivers that other insurers might reject. This may include drivers with poor driving records, foreign driver’s licenses, or limited or inconsistent car insurance coverage.

Verisk, a provider of risk analytics and insights, reported in 2020 that nonstandard policies made up only 20% of the premiums for personal auto insurance in the U.S. but 40% of the industry’s new business due to “continued churn” among policyholders.[3]

Infinity car insurance coverage

Infinity offers the typical car insurance coverage policy types, including the following:

Liability: Required in most states, this insurance covers costs associated with property damage and bodily injury you may cause to other people and property. Liability coverage doesn’t cover your injuries or your car.

Collision: An optional coverage, collision insurance covers damages to your vehicle resulting from a collision with another object, like a tree, road sign, or another vehicle.

Comprehensive: This insurance type covers damages to your car that results from a noncollision event, like vandalism, natural disasters, and theft.

MedPay: Short for medical payments coverage, MedPay covers costs for medical treatment and funeral costs for you and your passengers following an accident.

Uninsured/underinsured motorist: This protects you if you have a collision with an uninsured or underinsured motorist. It covers costs for medical expenses and car repair.

DriverClub roadside assistance: Infinity offers policyholders free membership to the company’s roadside assistance club, with 24/7 service availability. Members do need to pay for provided services.

How to get an Infinity car insurance quote

To start a quote for Infinity car insurance, you can visit the company’s website or call its toll-free phone number by dialing 1 (800) INFINITY.

You’ll need to provide the following information to receive a quote from Infinity:

Name, birthdate, and driver’s license number for each person who’ll be insured to drive the car

Year, make, model, and VIN of the vehicle you want to insure

Information about your most recent auto insurance coverage

Getting a quote directly from the Infinity website won’t allow you to easily compare it to quotes from other insurers. Quote-comparison websites like Insurify enable you to compare quotes from several insurers at the same time to better understand what coverage works best for you.

Average car insurance prices vary depending on the state and city you live in. Location-based factors, like population density, state minimum requirements, crime rates, weather, and more, all influence how insurers calculate premiums in different areas.

Because Infinity only sells auto insurance in California, see how much you might pay for liability or full-coverage car insurance in the table below.

Car insurance rates can change depending on a driver’s driving history. Speeding tickets, at-fault accidents, and DUIs can all increase insurance rates.

Find the average monthly rates corresponding to driving history for liability-only coverage from Infinity. Drivers with clean records earn the cheapest average rate, at $283 per month.

Based on your age, car insurance premiums can vary. For instance, premiums tend to be much higher for teens than for seniors. See how average costs compare by driver age below.

Infinity car insurance discounts

Discounts can reduce your car insurance premium. Infinity lists the following car insurance discounts on its website:

Mature driver improvement course: You can qualify for this discount if you meet the age requirement and complete a driving improvement course through your local DMV or the AARP.

Good student: To qualify for Infinity’s good student discount, a driver must maintain at least a B average (3.0 GPA) and be enrolled as a full-time student in high school or college.

Renewal: Infinity extends a renewal discount to longtime customers who renew their auto insurance policy.

Paid-in-full: You can qualify for a discount of 5% to 11% if you pay six or 12 months’ worth of premiums up front, rather than on a monthly basis.

Learn More: Car Insurance Discount Guide

Infinity Insurance bundling options

Many insurers provide you with a discount if you buy at least two types of coverage from them, such as auto and home insurance.[4] Infinity offers policyholders the option to bundle auto insurance with homeowners, renters, or life insurance.

Because Kemper owns Infinity, you may also be able to bundle policies from the two companies.

Infinity Insurance reviews and ratings

Many customer reviews and online ratings of Infinity Insurance feature negative comments expressing dissatisfaction with customer service and support. The company seems to have room for improvement when it comes to customer relations and satisfaction.

Infinity Insurance customer reviews

Here’s a sampling of recent customer reviews from the company’s Better Business Bureau page. As you can see below, Infinity primarily receives negative customer reviews that cite difficulty contacting company representatives and inadequate help and communication during the claims process.

Infinity Insurance ratings

Here’s how Infinity ranks on a couple rating websites and mobile apps:

Better Business Bureau: 1 out of 5 stars

Trustpilot: 1.3 out of 5 stars

Google Play Store: 2.1 out of 5 stars

Apple App Store: 1.5 out of 5 stars

Infinity Insurance vs. other insurance providers

Because the auto insurance marketplace is so competitive, you have many options besides Infinity when you shop for car insurance. And, because Infinity struggles with customer satisfaction and only sells auto insurance in California, you may find better coverage elsewhere.

Here are comparisons between Infinity and three major car insurance providers.

Infinity Insurance vs. Farmers

Founded in 1928, California-based Farmers ranks as the eighth-biggest car insurance company in the U.S. by market share. The company manages more than 19 million policies in all 50 states and Washington, D.C. Aside from car insurance, Farmers also sells homeowners, renters, life, and business insurance.

The geographic reach of coverage represents a key difference between Infinity and Farmers. While Infinity operates only in California, Farmers serves all 50 states. Another important distinction between the two companies is the fact that Infinity focuses on nonstandard auto insurance for high-risk drivers, while Farmers caters to a broader range of motorists. Online reviews and ratings for Farmers tend to be more positive than Infinity’s.

The average monthly rate for Farmers auto insurance is $317 for full coverage, whereas Infinity customers pay an average of $400.

Infinity Insurance vs. GEICO

Founded in 1936, Maryland-based GEICO has more than 18 million auto insurance policies in effect in all 50 states and the District of Columbia. In addition to auto insurance, GEICO’s offerings include homeowners, renters, and business insurance. By market share, GEICO (a subsidiary of Berkshire Hathaway) ranks as the second-largest auto insurance company in the U.S.

Infinity’s differences with GEICO resemble the differences it has with Farmers. Unlike Infinity, GEICO offers nationwide coverage and doesn’t focus on nonstandard insurance for high-risk drivers. Also, GEICO has generally earned a more positive reputation than Infinity. Both companies do offer roadside assistance.

Infinity Insurance vs. Progressive

Founded in 1937 and based in Ohio, Progressive ranks as the third-largest auto insurance company in the U.S. as measured by market share. Auto coverage is available in all 50 states and the District of Columbia. The company sells numerous types of insurance, including auto, homeowners, and renters insurance, as well as other types of property and recreational coverage.

Similar to both Farmers and GEICO — and unlike Infinity — Progressive offers coverage nationwide, has earned more positive ratings, and offers standard coverage to a range of drivers. On average, Progressive policyholders pay $238 per month for full-coverage car insurance, making it a more affordable option than Infinity.

Infinity Insurance pros and cons

As with any auto insurance company, Infinity has pros and cons you should consider before committing to a policy.

Provides nonstandard auto coverage for high-risk drivers

Offers some discounts

Owned by Kemper Insurance

Charges higher average rates than many other auto insurers

Only sells car insurance in California

Customers seem dissatisfied with customer service

Filing an auto insurance claim with Infinity Insurance

Infinity allows you to file an auto insurance claim online or over the phone following an auto accident. Claims can be reported 24/7. The company encourages policyholders to file a claim as soon as possible after a covered incident. You’ll need to provide information to Infinity, including your policy number and the date of the incident.[5]

Once reported, the claim may move along to an insurance adjuster, who helps decide if the claim is approved or denied. If approved, arrangements will be made for vehicle repair.

Infinity Insurance FAQs

Find answers to common questions about Infinity Insurance below.

Is Infinity Insurance legitimate?

Infinity is a legitimate insurance company owned by Kemper Insurance. However, the company receives frequent complaints from consumers and has not been accredited by the Better Business Bureau.[6]

Are Infinity Insurance and Kemper the same?

Kemper purchased Infinity in 2018 with the intent of maintaining the Infinity brand name separately from the Kemper brand. Infinity only offers car insurance in California following the purchase.

What is the average cost of Infinity car insurance?

On average, Infinity policyholders pay $400 per month for full-coverage insurance and $275 per month for liability-only coverage. Your specific rates will vary based on your driving history, vehicle type, and more.

Is Infinity Insurance good with claims?

Infinity Insurance earned an A- (Excellent) rating from A.M. Best, indicating solid financial strength and an ability to pay out claims. That said, some online complaints cite frustration with the claims process and payout. According to Infinity, claims may be denied due to nonpayment.

Is Infinity car insurance right for you?

If you live in California and need nonstandard coverage, Infinity may offer the right auto coverage for you. Otherwise, you’ll likely find coverage more applicable to your insurance needs elsewhere.

Sources

John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.

Licensed auto and home insurance agent

3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Read Editorial Guidelines

Featured in

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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