Infinity Car Insurance is a big name in car cover that focuses a lot on drivers deemed high risk in many U.S. places. Joined by Kemper Corporation in 2018, Infinity has a lot of car insurance picks, aiming mostly at non-standard drivers who may find it hard to get cover from big insurers. In this full review, we’ll talk about the company’s past, what they offer for cover, costs, price cuts, how they help customers, and more to help you see if Infinity is the right choice for you.
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About Infinity Car Insurance
Infinity Insurance began in 1955 and has become one of the big names in non-standard car insurance in the US. This company is known for giving insurance to drivers who have had tickets, DUIs, bad credit, or breaks in their insurance. After Kemper Corporation bought Infinity, it still keeps on caring for drivers with high risks, even under a bigger group.
You can find Infinity in many states, but it is very big in California, Texas, Florida, Georgia, and Arizona. As per the latest 2024 data from NAIC, Infinity holds around approximately 1.2% of the U.S. auto insurance market share, making it a mid-size player in a highly competitive industry
Types of Coverage Offered
Infinity Car Insurance gives you all the needed standard coverages by law, along with some extra options to help keep you safe:
• Liability Coverage: This covers harm to other people or their stuff when it’s your fault.
• Collision Coverage: This pays for fixes to your car if there’s an accident.
• Comprehensive Coverage: This keeps your car safe from theft, harm from acts of nature, vandalism, and damages caused by animals.
• Uninsured/Underinsured Motorist Coverage: This helps if someone without enough or no insurance hits you.
• Medical Payments Coverage (MedPay): This takes care of medical costs for you and the people in your car.
• Personal Injury Protection (PIP): Like MedPay, but covers more, such as lost pay and rehab help (in states with no fault).
• Roadside Help: You can choose this plan, it helps when you need a tow, a jump-start, fix flat tires, or open locked cars.
• Car Rental Pay Back: Pays for a rental car when your own car is being fixed.
• SR-22 Forms: Infinity gives out SR-22 forms for drivers who must have them.
Cost and How Easy It Is to Pay Infinity Car Insurance
Infinity does not set a clear price due to its focus on high-risk clients. Yet, data from the field and what customers say show that costs are often much more than what regular drivers pay. For instance, a 2023 report on car cover from The Zebra shows that risky drivers in California spend about $3,200 each year. Prices at Infinity often match or beat this amount.
What Infinity charges depends a lot on:
• How you drive (crashes, speeding, DUIs)
• How old you are and if you are a boy or girl
• Where you live (ZIP code and state)
• What car you have and how you use it
• Credit score (where allowed by law)
While Infinity may not offer the lowest premiums, its willingness to insure drivers that others decline gives it a unique value proposition.
Discounts Offered by Infinity Car Insurance
Infinity offers a limited range of discounts compared to national carriers like GEICO or Progressive, but eligible customers may benefit from:
- Multi-Car Discount
- Safe Driver Discount
- Anti-Theft Device Discount
- Paperless Billing Discount
- Pay-in-Full Discount
Infinity does not offer many loyalty or bundling discounts, and some discounts may vary by state.
Customer Experience and Claims
Customer Service:
Customer reviews for Infinity are mixed. On Trustpilot, Infinity scores an average of 2.8 out of 5 stars, with common complaints about long hold times, poor communication, and difficulty reaching claims adjusters. However, some customers appreciate the company’s leniency in accepting high-risk drivers.
Claims Process:
Filing a claim with Infinity can be done via phone or through local agents. The mobile app and online tools are functional but outdated compared to other insurers. Claim processing times vary, with many users reporting delays of 2 to 3 weeks.
The NAIC Complaint Index for Infinity in 2024 is 2.15, which is more than double the national median of 1.00, indicating a higher-than-average rate of customer complaints.
Who Should Consider Infinity Car Insurance?
Infinity is best suited for:
- Drivers with DUIs, accidents, or lapses in insurance
- Individuals needing an SR-22 filing
- High-risk drivers rejected by standard insurers
- Drivers in high-risk areas who need minimum liability coverage
Infinity may not be ideal for:
- Drivers with clean records who qualify for better rates elsewhere
- Those seeking top-tier digital tools and app functionality
- Policyholders expecting highly responsive customer service
Strengths and Weaknesses
Pros:
- Accepts high-risk drivers
- Offers SR-22 filings
- Availability in multiple states
- Bilingual customer service (English and Spanish)
Cons:
- Higher-than-average premiums
- Limited discounts
- High complaint index
- Outdated digital tools
- Inconsistent claims service
How to Get a Quote from Infinity Car Insurance
To obtain a quote from Infinity:
- Visit www.infinityauto.com
- Call their hotline or speak with a local agent
- Use third-party comparison tools (e.g., The Zebra, NerdWallet)
Note: Infinity often uses a network of local agents, so the quote process may involve a follow-up call.
Final Words
Infinity Car Insurance is built for high-risk drivers who may not get covered by others. While it doesn’t have the top rates or best help for customers, its ease of use and wide rules for who can join make it good for drivers with tough pasts. If you are a high-risk driver and it’s hard to find cover, Infinity might help. But if your driving is clean, you can get better help and cheaper deals from more common insurers.
FAQs About Infinity Car Insurance
Q: Is Infinity a real insurance company?
Yes, Infinity is a licensed insurance company and a part of Kemper Corporation.
Q: Does Infinity sell SR-22 insurance?
Yes, Infinity is an expert at helping drivers file SR-22 forms to show that they are financially responsible.
Q: What do I need to do to cancel an Infinity policy?
You need to get in touch with their customer service or your local agent. Some states might charge a fee to cancel.
Q: Is it possible to manage my policy online?
Yes, but the tools aren’t as good as those of other companies. You still need to call an agent for most tasks.