Infinity insurance review 2025

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.

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

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.

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:

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.

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

Bankrate utilizes Quadrant Information Services to analyze February 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.

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 2023 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.

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.