Infinity insurance review 2024
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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.
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 $2,458 per year for full coverage, with minimum coverage averaging $678 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 $3,336 per year for full coverage and $756 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 $2,835 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.
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Good driver, good credit
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Infinity full coverage premium
$3,336
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National full coverage premium
$2,388
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Infinity full coverage premium
$3,336
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National full coverage premium
$4,372
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Infinity full coverage premium
$4,555
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National full coverage premium
$2,893
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Infinity full coverage premium
$6,529
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National full coverage premium
$3,396
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Infinity full coverage premium
$4,807
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National full coverage premium
$4,586
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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.
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Infinity full coverage premium
$8,950
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National full coverage premium
$5,080
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Infinity full coverage premium
$8,536
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National full coverage premium
$4,376
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Infinity full coverage premium
$8,404
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National full coverage premium
$4,818
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Infinity full coverage premium
$4,585
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National full coverage premium
$2,929
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Infinity full coverage premium
$3,448
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National full coverage premium
$2,523
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Infinity full coverage premium
$3,336
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National full coverage premium
$2,388
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Infinity full coverage premium
$3,268
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National full coverage premium
$2,135
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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.
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$3,336
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$756
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$2,743
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$874
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$2,254
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$694
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$2,023
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$555
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$3,054
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$919
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$1,921
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$565
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$1,905
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$688
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$2,688
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$886
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$2,001
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$545
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$2,036
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$750
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Infinity customer satisfaction
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.
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.
Infinity car insurance discounts
Infinity may not be the cheapest car insurance company, but it does offer some discount opportunities that may help you save, including the following:
- 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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Get personalized auto insurance quotes
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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 $2,304 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.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Infinity
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
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
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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:
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
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Erie
4.2
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
Cost & ratings 4.6Coverage 3.9Support 3.8 |
State Farm
4.3
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
Cost & ratings 4.4Coverage 3.9Support 4.4 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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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.
Read More
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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
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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
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Nonstandard insurance options
SR-22 filing available
Switch-and-save discount
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High customer satisfaction
Rate Lock auto premiums
Multiple insurance products
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Numerous discounts offered
Two safe driving programs
Local agents available
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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$3,336 | $2,036 | $2,743 |
J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored | 893/1000 | 882/1000 |
AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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No rates available | $1,871 | $1,955 |
J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored | 674/1000 | 643/1000 |
AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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Not Scored | A+(Superior) | A++(Superior) |
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Infinity insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
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.
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.
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.
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
Bankrate utilizes Quadrant Information Services to analyze November 2024 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.
Auto
Quoted rates are based on a single, 40-year-old male and female driver with a clean 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Age: Rates were calculated by evaluating our base profile with the ages 16-60 (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.
The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.
Credit-based insurance scores: 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.
Homeowners
Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:
- Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Bankrate Scores
Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
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.