Infinity Auto Insurance Review

Infinity Auto Insurance Review

Editor's Rating

Drivers with imperfect histories may find coverage at Infinity, but its price and service are both subpar.

Good for

  • People with subpar driving records

Bad for

  • Insurance shoppers who prioritize good service
  • Drivers outside Arizona, California, Florida, or Texas
Infinity
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Currently insured?

Editor's Rating

Drivers with imperfect histories may find coverage at Infinity, but its price and service are both subpar.

Good for

  • People with subpar driving records

Bad for

  • Insurance shoppers who prioritize good service
  • Drivers outside Arizona, California, Florida, or Texas
Infinity
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Infinity Insurance is a nonstandard auto insurance provider owned by Kemper Corp. that mainly writes policies through independent agencies and brokers. Infinity offers average rates for drivers with both clean and imperfect driving histories.

As a nonstandard insurer, it specializes in providing service to drivers who have a less-than-perfect driving history and are having trouble getting a quote elsewhere. But we weren't impressed with Infinity's customer service, so shoppers may want to consider other options before going with Infinity.

Infinity auto insurance quotes

Overall, Infinity offers rates that are slightly higher than average for both typical drivers and most with a spotty driving history.

However, its rates for a younger driver were much higher than we found at other insurers, so we recommend that new drivers look elsewhere for better rates.

Infinity Insurance for drivers with good driving histories

We found that Infinity's rates for drivers with no recent driving incidents were about average. Its typical rate for minimum coverage in California was $549 per year — about 13% cheaper than the average rate we found among key competitors.

However, Infinity was still more expensive than Geico or Mercury, two of the more affordable options we considered.

Full coverage was slightly cheaper than average, at $1,709 per year — 2% less than the average rate we found.

Graph comparing the cost of Infinity Insurance and competitors for full and state minimum coverage=

Infinity Insurance rates for higher-risk drivers

We found that Infinity's rates tended to be less competitive for young people or those with a driving infraction — two types of drivers who typically pay more for car insurance.

For example, we found that a driver with a speeding ticket will find rates at Infinity about 6% cheaper than average among the competitors we looked at. But a driver with a DUI will find rates about 3% higher than average.

An 18-year-old buying minimum coverage can expect to pay nearly 44% more than average at Infinity — it offered us the most expensive quote of any insurer we considered. Insurance is expensive for younger drivers, but most drivers will find a better deal elsewhere.

18-year-old driver (min coverage)
Speeding ticket
DUI
Infinity$2,591$2,161$3,101
Geico$1,186$2,158$3,484
Mercury$1,300$1,963$2,455
National General$1,751$1,987$1,987
Farmers$2,126$3,232$4,039

Annual premiums for full coverage unless otherwise noted.

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Infinity car insurance review

We've compiled highlights of Infinity's policies and services that you should know about, along with a map of Infinity's footprint. Its coverage may change over time, so call the insurer to see if it's available in your state.

Infinity RSVP vs. Infinity Special: What's the difference?

When getting a quote from Infinity Insurance, you may have the option to choose one of two different policies: Infinity RSVP or Infinity Special.

The main difference is that when receiving a repair covered under your policy (such as after a collision), Infinity RSVP is only accepted at in-network repair shops. However, all repair work is guaranteed, meaning you won't be responsible for extra costs if things end up being more expensive.

On the other hand, Infinity Special doesn't limit which shop you can go to, but the work is not guaranteed. Additionally, Infinity Special allows you to purchase higher maximum liability limits than RSVP, if you wish.

In general, RSVP tends to be slightly cheaper than Infinity Special, though this isn't true 100% of the time.

Infinity coverage map

Infinity is open for new customers in four states and services existing policies in three others.

If you live elsewhere, you can enter your ZIP code into Infinity's online quoting system and get information about other available insurers in your state.

States where Infinity is available for new customers: Arizona, California, Florida and Texas.

States with renewal policies only: Georgia, Nevada and Pennsylvania.

This map shows the states that Infinity directly underwrites auto insurance in.

Service highlight: Infinity DriverClub

Although Infinity relies heavily on independent agencies and brokers, its mobile app allows policyholders to make payments, store electronic policy ID cards, ask questions and access the DriverClub service. DriverClub is Infinity's nationwide emergency roadside service program. We found that it may be cheaper than most other towing service options — and you don't have to be an Infinity policyholder to use it.

Industry reviews of Infinity auto insurance

Infinity has strong financial ratings but far more consumer complaints than expected for an insurer of its size.

Infinity's complaint index was very poor, even among nonstandard insurance companies — which often have more complaints than average. Its score of 7.31 means that Infinity customers are more than seven times more likely to make a complaint than a typical insurance customer.

Metric
Rating
AM BestA
NAIC complaint index7.31

About Infinity claims

To file an Infinity auto insurance claim, policyholders can either log in to their Infinity account or call the 24/7 service number. For third-party claims, all filing must be made through the service number.

Online: Log in to your Infinity account to view your policy and current claim status, or check past claim information online.

Phone: Call 800-353-6737 (1-800-3KEMPER) to report a new claim or accident or to check the status of an existing claim.

Infinity discounts and fees

Compared to other major auto insurers, we found that Infinity does not offer many discount options, and the amount of these discounts varies by coverage as well as the driver's state of residence. Below, we've listed the discounts Infinity offers.

Discount
State
MulticarFL, TX, AZ
Mature driver improvement courseCA, FL
Good studentCA
RenewalCA
HomeownersFL, TX, AZ
Paid-in-fullFL, TX, AZ
Advance quoteFL, TX
Safety featuresFL
PaperlessAZ
Online quoteTX, AZ
Accident-freeTX, AZ
AAA membershipAZ

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.