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Infinity insurance review 2025

Updated Apr 15, 2025
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At a glance

Bankrate's take

Policyholders who are less concerned with customer service and instead need nonstandard car insurance because of their driving record or other heightened risk factors might find Infinity as their company of choice.

  • Nonstandard insurance and SR-22 filings available for high-risk drivers in California
  • Only writes its own policies for auto insurance; uses third parties for home and life insurance
  • Offers a switch-and-save discount

Infinity car insurance review

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 since it only provides nonstandard coverage under Kemper Auto.

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. 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 Infinity car insurance can meet your priorities.

Green circle with a checkmark inside

Pros

  • SR-22 filings are available
  • Repairs made due to a covered claim are guaranteed for as long as you own the vehicle if you use a shop in the Kemper Repair Network
  • Offers live chat option
Red circle with an X inside

Cons

  • No accident forgiveness
  • Customer service is not 24/7
  • Higher-than-average Complaint Index with the NAIC
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Infinity car insurance cost

According to premiums provided by data analytics company Quadrant Information Services, the national average cost of car insurance is $2,685 per year for full coverage, with minimum coverage averaging $800 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 generally higher than the national average, coming in at $3,399 per year for full coverage and $1,094 for minimum coverage. Infinity’s 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 $2,975 for full coverage).

How much is Infinity car insurance?

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. As exemplified in the chart below, an at-fault accident may cause your rate to increase more than a speeding ticket. A DUI conviction can raise your premium even more so. In addition, this severe crime may cause certain providers to deny you coverage altogether, which is well within their rights. As a nonstandard provider, Infinity may still be a viable option with a DUI.

Good driver, good credit
Infinity full coverage premium
$3,399
National full coverage premium
$2,685
Infinity full coverage premium
$3,398
National full coverage premium
$4,712
Infinity full coverage premium
$4,640
National full coverage premium
$3,293
Infinity full coverage premium
$6,674
National full coverage premium
$3,884
Infinity full coverage premium
$4,913
National full coverage premium
$5,225
*All rates displayed are average annual rates.

Infinity car insurance quotes by age

Infinity Insurance only writes policies in California, which is a state that allows car insurance companies to 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.

Infinity full coverage premium
$9,118
National full coverage premium
$5,768
Infinity full coverage premium
$8,685
National full coverage premium
$4,968
Infinity full coverage premium
$8,572
National full coverage premium
$5,464
Infinity full coverage premium
$4,674
National full coverage premium
$3,320
Infinity full coverage premium
$3,514
National full coverage premium
$2,877
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare Infinity car insurance rates

Infinity car insurance is typically more expensive than the national average, but it’s important not to compare apples to apples in this situation. Infinity specializes in nonstandard insurance, or in other words, coverage for high-risk drivers. So, on paper, Infinity may appear to have higher rates, but other companies, like State Farm or Progressive, may charge you excessively more than their typical average due to your high-risk profile. This is why gathering quotes from multiple providers and comparing rates can be a valuable strategy for saving money on car insurance.

$3,399
$1,094
$2,910
$943
$2,347
$733
$2,165
$574
$3,303
$942
*All rates displayed are average annual rates.
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Infinity home insurance review

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.

Pros and cons of Infinity homeowners insurance

Green circle with a checkmark inside

Pros

  • Since Infinity uses third parties to underwrite its homeowners policies, you may get access to a wider range of quotes and coverage options
Red circle with an X inside

Cons

  • Average quotes are unavailable because Infinity uses third parties for its homeowners policies
  • Not able to bundle with auto insurance policy
  • Limited information about homeowners policies is available online
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Infinity home insurance cost

Average home insurance rates for Infinity are unavailable from Quadrant Information Services  — since the company uses multiple underwriters. To give you a point of reference, the average cost of a homeowner policy with $300K in dwelling coverage in the U.S. is $2,267 per year. Your own rate is likely to differ from this depending on variables such as where your home is located and its age. Contact an Infinity agent if you would like to find out what a policy with the company would cost.

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Get personalized home insurance quotes

Answering a few quick questions to check your availability with Infinity

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Your information is kept secure

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Advertising disclosure

Infinity life insurance review

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.

Compare life insurance providers quickly and easily

See which provider is right for you.

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Compare Infinity with other insurers

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:

Badge Icon Featured

Infinity

Infinity
Not scored

Erie

Erie
Rating: 4.2 stars out of 5
4.2
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State Farm

State Farm
Rating: 4.2 stars out of 5
4.2
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OVERVIEW
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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.
Read More
As the 2024 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.
Read More
STANDOUT FEATURES
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Badge Icon
High customer satisfaction
Lock Icon
Rate Lock auto premiums
Loan Icon
Multiple insurance products
Loan Icon
Numerous discounts offered
Car Guide Icon
Two safe driving programs
Briefcase Icon
Local agents available
AVG FULL COV. AUTO RATE
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$2,192 $2,910
J.D. POWER AUTO SCORE
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733/1000 710/1000
AVG HOME RATE
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$1,711 $2,088
J.D. POWER HOME SCORE
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705/1000 661/1000
AM BEST RATING
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A+(Superior) A++(Superior)
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Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

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.

What are real-life customers saying about Infinity?

As mentioned earlier, the NAIC Complaint Index for Infinity’s auto insurance product indicated that complaints occurred five times more frequently than the industry average in 2023. In order to gain a better understanding of direct customer experience, we turned to Reddit and Yelp. These combination of discussion boards and review sites should give you a better insight into the company’s service quality from real user experiences.

Reddit

Upon review, we failed to find many positive user experiences about insuring a vehicle with Infinity, which is also commonly referred to as Kemper in online discussions. Most notably, complaints are linked to frustrations with claims processing.

Reddit User 1*
Jul 4, 2022
Where’s my rental reimbursement?
They have a very lousy record of repaying these reimbursements. In the first accident, my car was in the shop for at least a month, probably more. The second one with a different auto body is close to a month. I'm not the type of person that looks to sue people, but this company is ridiculous.
Reddit User 2*
May 10, 2023
Is anyone there?
Almost a month ago, this lady backed up into my car while I (25m) was driving and totaled it. Our insurance companies placed fault on the lady and I opened a claim with her insurance, Kemper. Kemper turned out to be horrible to deal with because they are soooo hard to reach. The adjusters never pick up the phone when I call them and I have to wait on them to call me each time. It took me a long time to get the car declared totaled and I'm currently waiting on the $9600 settlement they promised and Kemper is taking their sweet time [to] send me over the paperwork and instructions to move forward with the settlement. What gives?

Yelp

Reviewers Yelp also expressed displeasure with Infinity, with several wishing they could give a zero-star rating instead of the default minimum of one star. Along with a heap of reviews regarding extremely unreliable customer service, users also report dissatisfaction with fees and claims payments.

Yelp User 1*
Jun 19, 2024
Lack of communication
Updated policy twice in 2024, in a span of 2.5 months. Infinity did not take that opportunity to let me know that I incurred a fee. Instead they sent me to collections. There was nothing Infinity could do at that point, I had to settle with collection agency. Horrible situation.

It’s worth noting that all customer service interactions are subjective, so your experience may vary from the few that we’ve highlighted. That said, it’s fairly hard to ignore Infinity's high NAIC Complaint Index and its scarce positive feedback on discussion boards and review sites. However, as a provider of non-standard insurance, Infinity may be one of your few options if you have a poor driving record in California.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Infinity company details

If you are considering activating an insurance policy with Infinity or need additional assistance with a claim or another matter, here are some contact details to get you started:

  • Customer service: 1-800-690-3818
  • Quotes: 1-855-478-3705 
  • Claims: 1-800-353-6737
  • Sales: 1-800-463-4648
  • Mailing address: 900 E. Laurel Ave McAllen, TX 78501

State availability

Although Infinity's parent company, Kemper Insurance, sells policies across the country, Infinity Insurance is only available to residents of California.

Infinity tools and benefits

For the most part, Infinity offers no-frills nonstandard 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 Driver Club: This 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.
  • Kemper Repair Network: Infinity customers can repair their vehicles at a facility that is part of a repair network run by their parent company. 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.

Frequently asked questions about Infinity

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all 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 for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings
 
30% Coverage & savings
 
20% Support
 
  • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.