Infinity Auto Insurance Review

Infinity Auto Insurance Review

Infinity
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Infinity
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Infinity Auto Insurance Co. is a nonstandard auto insurance provider that mainly writes policies through independent agencies and brokers. We think it could be a good fit for drivers who have a less-than-perfect driving history and want ways to control their insurance costs. But before making a decision, we recommend comparing auto insurance quotes from multiple providers.

Pros and cons of Infinity

Here's what we like best about Infinity:

  • Major player within the nonstandard auto insurance market
  • Tiered policy coverage that gives drivers low-cost choices based on extent of coverage chosen
  • Cheap roadside service program available nationwide: Infinity DriverClub®

But you should consider these points before buying a policy:

  • Only available to new policyholders in four states
  • Higher-than-average number of complaints on claim payouts

Infinity auto insurance quote comparison

Overall, Infinity is an affordable insurance provider for higher-risk drivers, but other companies in the nonstandard auto insurance market may be cheaper.

We used rate data from our California auto insurance study to compare the cost of insurance among eight different driver profiles and three other car insurance companies. All drivers in the study own a 2010 Toyota Camry.

Driver profile

Infinity
Western General
Mercury
Nationwide

Single male, age 31

$941$698$678$875

Single male, age 45

913612608835

Single male, age 19

2,5051,6731,8053,283

Single female, age 31

954689706862

Single female, age 45

926657636822

Single female, age 19

2,2211,3421,6542,442

Married couple, late 20s

1,2719679091,755

Married couple, mid 60s

1,3946827551,003

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Infinity vs. other nonstandard car insurer: When compared with Western General and Mercury, which are similar nonstandard auto insurance companies, Infinity appears to be more expensive for drivers of all profiles. Our single 19-year-old male driver found his Infinity quote to cost 50% more than Western General and 39% higher than Mercury.

Infinity vs. standard auto insurer: Infinity is more affordable for higher-risk drivers, such as single 19-year-old drivers, than Nationwide, a standard auto insurance provider we have used for the purpose of comparison. While both married and single drivers aged 30 and above find Nationwide cheaper than Infinity, single 19-year-old-drivers will find Infinity much more affordable.

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 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 (blue): 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.

Auto insurance policy coverage: MyChoice™

Arizona, California, Florida and Texas consumers will find Infinity coverage as complete as any other standard insurer, plus one special perk: Infinity MyChoice™. This program gives policyholders three options to choose from (with the exception of California) in regards to coverage limits and policy cost.

  • Low-Cost Policy (economy) is for drivers who just want enough coverage to satisfy their state's minimum financial responsibility requirements. This is the cheapest option.
  • Value-Added Policy (standard) is for drivers who want more coverage to protect their assets, while still keeping cost low.
  • Premier Policy (deluxe) is for drivers with clean driving records looking for higher limits as well as broader coverage.

Choosing a higher-tier feature costs about 3% more, which comes out to a difference of $70 a year for a sample 30-year-old single male driver with one at-fault accident within three years. But the coverage limits are greatly improved. Here's how the coverages compare:

Feature

Covered person
Liability coverage
Physical damage coverage (when applicable)
Additional or replacement vehicle

Economy

Named insured and their spouseOnly the insured vehicle(s)Total costs of repairs made at an RSVP auto repair shop20 days automatic liability and physical damage coverage

Standard

Named insured and their spouse, residents, relatives and nonresident driversNonowned, rental and temporary substitute vehiclesRental vehicle used as a temporary substitute for a covered vehicle30 days' automatic liability and physical damage coverage

Deluxe

Named insured and their spouse, residents, relatives and nonresident drivers using the covered vehicle with the named insured's permissionNonowned, rental and temporary substitute vehiclesNonowned, rental and temporary substitute vehicles30 days' automatic liability and physical damage coverage

Service highlight: Infinity DriverClub® and RSVP

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.

Infinity DriverClub®: 855-687-4611

It's free to sign up for the Infinity DriverClub® program, and drivers may use the services 24/7. Below is a cost comparison between Infinity's DriverClub® and another towing service provider (based in California) across different mileages:

Mileage towed

Infinity DriverClub®
Affordable Towing

5

$59.95$85

10

$79$135

20

$116$235

30

$153$335
This graphic shows the costs associated with the Infinity DriverClub program

Repair Satisfaction Vehicle Program (RSVP): Using one of the Infinity-preferred repair shops and service centers will ensure the insured driver is covered for the total repair cost, which varies by policy feature and state. Policyholders will be able to find a participating RSVP shop in each of the seven states Infinity operates in through the company's website.

Industry reviews of Infinity auto insurance

Infinity has strong financial ratings but a higher-than-average number of consumer complaints.

This is expected of a nonstandard insurer, and compared to other nonstandard auto insurance providers, Infinity's complaint rating is just average.

Metric

Rating

A.M. Best

A

NAIC Complaint Ratio

2.73

Rank among Top 100 Companies by Net Premiums Written

67

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 800-334-1661 to report a new claim or accident or 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 vary by coverage as well as the driver's state of residence. Below, we've listed a table of discount details and a table of fees you might pay.

Discount type

Discounted coverage
Discount %

Advanced quote*

BI, PD, Comp, Coll, MED, UMBI2% (1% on MED, UMBI)

EFT

BI, PD, Comp, Coll, MED2% (1% on MED)

Homeowners**

BI, PD, Comp, Coll, MED, UMBI5 - 8% on BI, PD, Comp, and Coll; 10 on MED, UMBI

Mobile homeowners

Comp, MED, UMBI4% on Comp; 5% on MED, UMBI

Multi-car

BI, PD, Comp, Coll, MED, UMBIup to 38%

Paid-in-full

BI, PD, Coll, Comp, MEDup to 15%

Switch and save

Allup to 15%

* Doesn't apply if at least one driver on the policy is under 19. ** Varies by state and coverage. Check with your agent to verify.

While Infinity insures higher-risk drivers at lower rates, some fees apply when the insured driver makes a late payment, when they require an SR-22 form or in other circumstances. Below is a table of known fees consumers should take note of:

Description

Fee
Installment fees - semi-annual$9

Installment fees - annual

$9

Late fees

$9

NSF fee

$25

Rewrite fee

$20

Reinstatement fee

$10

Installment fees - EFT

$2

SR-22 fee

$20

Processing fee

$15

About Infinity Property and Casualty Corp.

One of the first car insurance companies to enter the nonstandard market, Infinity Auto Insurance Co. is a subsidiary of the Infinity Property and Casualty Corp., headquartered in Alabama. As part of its market segmentation strategy, it focuses on consumers within 20 urban markets in seven states. Infinity has about 19,000 employees in total and relationships with around 12,500 independent agencies and brokers. The corporation has been public since 2003.

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.