Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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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
Auto
Avg. annual premium for full coverage
$3,399
Avg. annual premium for min coverage
$1,094
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.
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
Cons
No accident forgiveness
Customer service is not 24/7
Higher-than-average Complaint Index with the NAIC
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.
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.
*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.
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.
Bankrate's insurance editorial team looks at ratings from third-party organizations to assess the overall standing of the particular insurance company under review. This includes J.D. Power which evaluates customer satisfaction on a 1,000-point scale and AM Best which estimates financial ratings with a letter grade.
Infinity auto claims satisfaction
Although J.D. Power did not include Infinity in its 2024 U.S. Auto Insurance Study, it did include Infinity’s parent company Kemper. In the California region, Kemper earned last place for overall customer satisfaction with a score of 528, far below the regional average of 637. Kemper received an A- financial rating from AM Best in 2023, indicating it is well-equipped to handle claims. However, the process may not be very smooth considering its below-average customer satisfaction ratings. Although Infinity and Kemper aren’t technically the same company, since Kemper owns Infinity, this data could cause those with customer service at top-of-mind to pause.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 528 to 697.
End of interactive chart.
Infinity auto insurance customer complaints
Bankrate’s insurance editorial team also reviews the National Association of Insurance Commissioners (NAIC) Complaint Index Report. Through it, the NAIC keeps track of the customer complaints it receives about an insurance company as a whole and complaints for individual product lines. It then converts the number of complaints into an index score. If an insurance company gets an average number of complaints for a company of its size, it will have a complaint index score of 1.0. If the company has more complaints than average, its index score will be higher than 1.0, and vice versa — a score lower than 1.0 indicates fewer complaints than average. However, as you’ll see in the chart, Infinity has had an exceedingly high amount of complaints compared to the industry average.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 5.33 to 8.32.
Multi-car discount: Saving up to 38 percent is possible by insuring more than one car with Infinity
Safe driver discount: Having a good driving record could lower your costs by up to 25 percent, although, Infinity is tailored more toward high-risk drivers
Paid in full discount: Paying in one lump sum rather than in installments can save you up to 15 percent on your policy
Switch-and-save discount: Switching to Infinity from another carrier could earn you an instant discount of up to 15 percent
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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
Pros
Since Infinity uses third parties to underwrite its homeowners policies, you may get access to a wider range of quotes and coverage options
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
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.
Infinity customer satisfaction
Considering homeowners policies are not written or maintained by Infinity directly, customer satisfaction will vary based on which third-party insurer writes your policy. You will likely need to do some independent research on customer satisfaction ratings when reviewing quotes within Infinity’s network of third-party insurance providers.
Infinity home insurance discounts
The discounts you may be eligible for with an Infinity home insurance policy will vary depending on the underwriting company that does your policy. Infinity's website does not include information on possible discounts, but you should be able to ask your agent for more information, so that you can be sure you're receiving all the discounts to which you qualify for.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Get personalized home insurance quotes
Answering a few quick questions to check your availability with Infinity
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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.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
Your information is secure5 digit Zip code is required
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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:
Featured
Infinity
Not scored
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Infinity doesn’t have the cheapest rates or exemplary customer service ratings. However, it may be one of few options for high-risk drivers in California since it offers nonstandard car insurance and SR-22 filings.
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.
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.
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.
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?
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
Filing a car insurance claim is usually a straightforward process. When you contact Infinity to report the accident, the claims representative will ask for some basic information. For example, they will need to know the date the accident took place and the details surrounding the accident. Additionally, they will ask for the other party’s information (if applicable), such as driver’s name, insurance company and policy number.
When you’re ready to file a claim with Infinity, you can do so by:
Getting into a car accident can be stressful, but knowing how to handle the insurance claim might relieve some of the pressure.
Infinity does not share if it has any corporate sustainability initiatives or donations contributed to non-profit organizations. Its parent company, Kemper Insurance, publishes an annual Environmental, Social and Governance Report that outlines the company's efforts toward sustainability and providing an equitable workplace for all.
Infinity Insurance was founded in 1955 in Birmingham, Alabama, as Dixie Insurance Company. In 1971 it became American Vehicle Insurance Company (AVICO). It did not assume the Infinity name until 2002, when it became Infinity Property and Casualty Corporation. It grew to become one of the largest non-standard insurers in the U.S., and was acquired by Kemper in 2018. At that time, all Infinity offices outside of California transitioned to become Kemper Insurance, with only the California agents continuing under the Infinity name.
Infinity has a good rating with AM Best, indicating that it has the financial means to pay out on claims in an efficient manner. However, the company appears to struggle with customer service, and earned low ranks from NAIC and J.D. Power. That suggests that some policyholders have not had a good experience with the company when filing claims. Your own experience is likely to be unique, and will be dependent on factors such as the complexity of your claim and the amount of the claim.
Infinity Insurance did not receive a Bankrate Score because as it is exclusive to California, focuses on nonstandard car insurance and works with multiple third parties to underwrite home insurance policies. These factors narrow the consumer base and create a wide variance in product quality, making it difficult to compare directly with more national and generalized car insurance brands.
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:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
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
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (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 due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
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
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
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.
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Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
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