Infinity Auto Insurance Review: Should you buy in 2024?

Infinity auto insurance is only offered in California. However, coverage exists for standard, classic, or commercial vehicles.

UPDATED: Aug 26, 2024Fact Checked

Laura Kuhl

Insurance Content Team Lead

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

Insurance Content Team Lead

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Licensed Agent & Financial Advisor

UPDATED: Aug 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Aug 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Aug 26, 2024Fact Checked
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Infinity Insurance

Average Monthly Rate For Good Drivers

$142

A.M. Best Rating:

A-

Complaint Level:

High

Pros

  • Easy-to-use website also available in Spanish
  • High-risk drivers given options
  • Will recommend other insurers if you request a quote and you don’t live in CA
  • Free membership to Driver Club

Cons

  • Infinity is only available in California
  • Company has a high number of complaints
  • Kemper and affiliates have been downgraded with A.M. Best
Infinity is a company owned by Kemper, and offers both standard and commercial auto insurance along with a number of other vehicle-related coverages. In 1978, Infinity Auto, which is based in Birmingham, Alabama, became Infinity. Infinity in turn is a subsidiary of Infinity Property and Casualty Corporation, so its history is rich with change.  The company offers insurance to high-risk drivers, budget-watchers, and drivers looking to meet state minimum requirements. While Infinity insurance is only offered in California, the amount of coverage options it offers is fairly wide. 

Infinity does have more complaints than the average for a company of its size, which can be determined through data accumulated over three years by the National Association of Insurance Commissioners. 

Infinity insurance claims are a major issue with some drivers. However, there are also complaints circulating around prices and a lack of communication from customer service. There are more than a few complaints regarding the company not taking care of its customers. 

However, according to the Better Business Bureau, the company has a 100% response rate, and an overall B+ rating. 

Before making any decision on which company you will choose for your car insurance, it’s in your best interest to compare prices, policies, and the companies themselves. Find Infinity reviews, talk to an agent, or sign up for a quote through the website to ensure Infinity is a good fit for you.

What You Should Know About Infinity A Kemper Company

Infinity has an A- financial strength rating with A.M. Best, with a stable outlook and a financial size category of XII. 

Infinity has also ranked 4th in the Top 15 Insurance Stocks with A.M. Best, with Standard & Poor’s also providing the company with a strong A rating. Kemper and affiliates were downgraded as of August 2022 with A.M. Best, but only from an A to the current A- rating. 

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How do you get a car insurance quote with Infinity? 

The company offers three standard options, or you can customize your coverage. The website states that Infinity will work with people who have limited budgets or simply want to meet the minimum auto insurance required by their state

You have the choice to talk to an agent over the phone or utilize the chat feature on the website. Claims can be filed and viewed online, but you can also request updates over the phone. Infinity also has preferred repair shops for you to patronize in the event of an accident. 

In order to obtain a quote, Infinity requests a few different pieces of information. 

You will need to report: 

  • Who is going to be driving. If you are going to have multiple drivers of the vehicle being insured, Infinity will need to know. 
  • What vehicle is going to be insured. You’ll need to provide details about your vehicle, such as the make and model of your car
  • Your current insurance information. Infinity will want to know what your current insurance company is at the time of your request. 

Quotes can be obtained through the website or over the phone. 

Infinity A Kemper Company Insurance Coverage Options

Infinity offers various auto insurance policies, but what you end up with will depend on how much coverage you want. 

There are many drivers who want a full coverage auto insurance policy so that they’re covered no matter what happens on the road. Full coverage is an umbrella term for having not just the required liability insurance, but collision and comprehensive coverage as well.

Below you can see the most common types of coverage options:

  • Bodily injury and property damage liability. Liability auto insurance pays for injuries, deaths, or property damage from an accident when you’re considered at fault.
  • Uninsured/underinsured motorist coverage. If another driver hits you and has no insurance and insufficient insurance, uninsured motorist coverage kicks in.
  • Collision coverage. Collision insurance pays for expenses from traffic-related accidents, no matter who is at fault.
  • Comprehensive coverage. Comprehensive insurance pays for damages caused by events outside of your control, such as weather, hitting an animal, and vandalism.

If you’re after just the minimum amount of coverage, you’ll want to check your state’s requirements. Most states have a minimum required amount of liability coverage you must purchase to drive legally.

There can also be other factors that determine what coverage you choose. Cost is a major influence on the consumer side when it comes to making insurance-based decisions. 

What else does Infinity offer aside from car insurance?  

Kemper owns Infinity, which means that Infinity is run as an extension of Kemper. According to the Kemper website, the company is dedicated to personalized insurance solutions in a number of ways. However, Kemper and Infinity are separate entities when it comes to buying a policy. Visit our Kemper auto insurance review for more information.

As well as offering standard auto insurance, Infinity offers various other forms of vehicle coverage. You can get commercial auto insurance, classic, or collector car, and access to Infinity’s DriverClub. 

This is the same as roadside assistance and is provided 24/7. Services such as replacing a dead battery, fixing a flat tire, unlocking your vehicle, or providing you with a tank of gas are all covered. While there is no membership fee, you will be responsible for paying for the services rendered. You can even get DriverClub if you don’t have insurance through Infinity. 

Other Types of Insurance With Infinity

You can also obtain insurance for your home, rental, or your business through Infinity. The company has branched out to offer many types of coverage, such as flood or life insurance.

These are all policies under Infinity, with Kemper only being the overarching parent company. 

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Infinity A Kemper Company Insurance Rates Breakdown

The cost of an Infinity insurance policy is going to depend on a number of factors. Not just on your side, but from the company side as well.

Your age, driving record, and the type of vehicle you drive are some of the details often used to determine rates. On your end, you’ll have to decide what your budget is and how much you’re going to be able to afford to pay.

Below is an example of what drivers can expect to pay for minimum coverage by state across the country.

Infinity will cost around $847 per year for minimum coverage, and around $1,859 for full coverage car insurance. The U.S. has a national average of around $1,674 for full coverage, which does make Infinity more expensive than the average auto insurance company.

Rates will vary depending on the aforementioned details used by car insurance companies. One of the leading factors is your driving history. Drivers with clean records usually pay less than people who are declared high risk.

Infinity Insurance for Drivers with Clean Driving Records

Prices for Infinity auto insurance are more or less standard for drivers with clean records. Minimum coverage in California is around $549 per year on average.

This puts Infinity on par with the average, at around 13% less than its competitors. Some companies are cheaper, such as GEICO auto insurance and Mercury auto insurance, but Infinity is still a good deal.

When it comes to full coverage, Infinity’s rates are actually lower than the national average, with a cost of around $1,709 per year. These prices will change if you have any sort of ticket or infraction on your driving record.

Infinity Insurance for High-Risk Drivers

Insurance companies will use your driving record to determine what you will pay for a policy. A driver that has numerous DUIs, speeding tickets, or other infractions will be seen as high risk, which means they will likely cost the company more money in claims. Therefore, they will need high-risk auto insurance.

With Infinity, a driver that has a speeding ticket will pay around 6% less with Infinity than its competitors. Take a look below at how much you can expect rates to increase after a single traffic ticket.

Drivers will see an even larger increase in car insurance rates after an accident where you are considered at fault.

And it will be no surprise that the largest rate increases will happen if you get a DUI on your record. Auto insurance after a DUI will increase to around 3% higher than the national average.

As you can see, in order to recover the cost of having to insure high-risk drivers, auto insurance companies will often charge these drivers more. This is also true with young drivers.

Being a young driver means you have less time on the road, and until you reach a more mature age and have more driving experience, you’d also be considered at higher risk than someone who has been driving for years.

With minimum coverage, auto insurance for young adults around 18 years old should be prepared to pay almost 44% more with Infinity. This doesn’t mean Infinity should be cut out of comparisons entirely since this is all dependent on the individual driver.

Average Monthly Full Coverage Teenage Auto Insurance Rates for the Top Insurance Companies

Insurance Company16-Year-Old Male With a Clean Record16-Year-Old Female With a Clean Record18-Year-Old Male with a Clean Record18-Year-Old Female with a Clean Record
Geico$312$298$254$220
State Farm$349$311$284$229
Nationwide$476$411$387$303
American Family$480$390$390$288
Allstate$638$608$519$448
Farmers$742$778$603$573
Liberty Mutual$778$716$633$528
Progressive$814$801$662$591
Travelers$897$709$729$523
National Average$610$558$496$411

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While Infinity does offer insurance for high-risk drivers, its rates are less affordable than other companies. Young drivers will pay more for a car insurance policy through Infinity than the average. This isn’t always the case, however, which is why it’s important to obtain a quote before making a decision.

Plus, there aren’t a lot of insurance companies that will offer coverage to high-risk drivers.

Infinity A Kemper Company Discounts Available

Many insurance companies will offer car insurance discounts in order to offset higher costs.

Infinity has quite a few different discounts available:

  • Good student discount. Students who maintain excellent grades are eligible for this discount.
  • Homeowner discount. You can bundle your homeowners and auto insurance together. 
  • Loyalty discount. If you’ve been a customer for a long while, most companies will offer some form of loyalty discount.
  • Muti-car discount. Having two cars under one policy or more can save you some money.
  • Mature driver discount. This discount is applied if a driver takes an improvement course.
  • Paid-in-full discount. Paying for your entire policy upfront nets you this discount.
  • Paperless discount. Many companies will reward customers who go green.
  • Safe driver discount. Having a clean driving record and practicing safe driving habits will offer you the chance to get a safe driver insurance discount.
  • Switch and save discount. For new customers, this discount acts as an incentive to make the change to Infinity from a current insurance provider.

You’ll want to bring up any requirements that you meet when applying for a quote or updating your policy. Discounts are often not manually applied unless they’re specifically offered at the time you sign up for coverage. 

Frequently Asked Questions

Are Kemper and Infinity the same company?

Kemper is the parent company, having purchased Infinity in 2018 for $1.4 billion. Infinity is a subsidiary company of Kemper that offers auto, home, and life insurance. Kemper has many affiliates, and Infinity is one of them. Infinity held 1.24% of the insurance market in 2015. In 2017 the company had a premium revenue of around $697.3 million. These numbers may have led to the purchase.

What are the ways you can request an Infinity car insurance quote?

Requesting a quote is easy. You can request a quote through the website or by calling the quote customer service phone number, 1-800-INFINITY.

Where does Infinity offer auto insurance?

Currently, Infinity only offers California auto insurance policies. However, it offers a number of different forms of coverage, including classic and collector car insurance, or commercial coverage if you need protection on a business vehicle.

Are you able to purchase rideshare insurance through Infinity?

At this time, Infinity doesn’t offer any rideshare auto insurance for drivers operating under Lyft or Uber.

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Laura Kuhl

Insurance Content Team Lead

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

Insurance Content Team Lead

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Licensed Agent & Financial Advisor

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Infinity A Kemper Company

1.97 (288 reviews)
1
March 18, 2024

Gmrtnz13

Do not buy!!!

5+months waiting for vehicle to be fixed Adjuster left &cant help me till November We are in March!
1
September 21, 2023

npm_97

NEVER AGAIN.

Terrible company. Was supposedly sent 2 reimbursement checks for around 2k and I never received them. When I called my agent 10+ times I never heard back. Months later when I finally got a hold of someone, I was told that the checks had been sent out months prior AND cashed. I asked for details and was told they weren’t allowed to give me any. I’ve lost so much money to them and BECAUSE of them over the years. So glad I’m switching soon. Pa...
Terrible company. Was supposedly sent 2 reimbursement checks for around 2k and I never received them. When I called my agent 10+ times I never heard back. Months later when I finally got a hold of someone, I was told that the checks had been sent out months prior AND cashed. I asked for details and was told they weren’t allowed to give me any. I’ve lost so much money to them and BECAUSE of them over the years. So glad I’m switching soon. Paying nearly $300 for what? Absolute trash.
1
September 11, 2023

bakkanorzi

Terrible customer service.

The worst customer service I've ever seen. Their website doesn't work correctly and locked me out. Could not reach a live person on the phone, nor do they respond to emails. Several weeks and I still can't login to pay my bill. I hate this company.
1
July 2, 2023

PELKEY

Deceptive company

This company is horrible:. I tried canceling my policy multiple times. After I would talk to an agent I would get another bill in the mail. After I finally talked to a manager and sent in new proof of new insurance I was told everything was cancelled and good. Then a year later I get a credit reporting letter from them. They are very deceiving and now I can’t a hold of them again about the letter and have to deal with this.
1
June 15, 2023

Lindaa

Becareful look for insurance somehwere else

Please do yourself a favor don't buy infinity insurance at all. I have insurance I pay month to month and now they want me to pay the damages of an accident out of my pocket, not talking about my damages but from the other car so this is unbelievable . They said they can not pay and will not listen to reasons and I also ask I need to talk to another person and not [REDACTED NAME] [REDACTED NAME] that will understand me better since English is not...
Please do yourself a favor don't buy infinity insurance at all. I have insurance I pay month to month and now they want me to pay the damages of an accident out of my pocket, not talking about my damages but from the other car so this is unbelievable . They said they can not pay and will not listen to reasons and I also ask I need to talk to another person and not [REDACTED NAME] [REDACTED NAME] that will understand me better since English is not my firts language but neither do anything. I can assure this company is good as long as there is no problems but when the time to help the insurer comes they like to wash their hands. So we need to say a word so others will not suffer the same. I don't look this is fair so be aware.
1
May 3, 2023

Uknow21

Thumbs down

Poor customer service, poor handling of claims, poor correspondence on company letterhead, failing to properly disclose employee name on said letter, Alliance ala kemper aka infinity are all the same/affiliated, failed to disclose this with customers, this company is just one big failure full of tricks. Violates tthe ADA as they do not reasonably accommodate disabled customers, they just dont care.
1
March 29, 2023

Eva_Moreno_

Review of customer services

It is so hard to get in touch with a live person, website is not friendly. Have customer service for payments at least until 10 pm.
1
December 21, 2022

Jordan_linel

WORST

Worst insurance ever to deal with ! Will take forever to call & dispute check or give info . Would never suggest going through with them . Dealing w this insurance would bring you to wanna make a law suit
1
October 7, 2022

ahmedaldafaae

Very bad company

I have been a customer for Infinity Insurance over 8 years. I lost 2 cars last 4 years because of Houston's flooding seasons. Infinity reimbursement was less than the market values. I tried to negotiate with them but they ignored me. Additionally, they stole $2500 from each check for no reason. It is the worst company I ever dealt with...
5
July 27, 2022

Junk_Hauling_Express

Infinity Insurance is a great company! I highly recommend.

Infinity insurance company is amazing! They have given my company great rates for the last 3 years. He had an auto accident and had to put in a claim. The claim was processed quickly and easily. Great overall experience, I highly recommend this company!
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