Infinity Auto Insurance: User Reviews and Quotes (2024)

Infinity offers basic car insurance policies in a handful of U.S. states. Customer satisfaction is lower than expected, and options are limited.

8+ years writing for major outlets, including MarketWatch and Business Insider

Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

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7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Updated July 11, 2024

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Infinity Insurance offers basic car insurance coverage in 13 U.S. states. You can get adequate coverage with Infinity, but not much sets the company apart from other insurers.

Infinity only has a few coverage options, and the discounts are minimal. Plus, the number of customer complaints is much higher than expected.[1] But if you’re a high-risk driver struggling to find coverage, you might have luck with Infinity.

Comparing quotes, discounts, and available coverages is the best way to find coverage that fits your needs. Keep reading to learn more about Infinity and how it stacks up to its competitors.

Infinity is a subsidiary of Kemper Insurance.

Customer reviews are largely negative, but some drivers enjoy working with specific Infinity agents.[2]

Infinity provides SR-22 forms and non-standard auto insurance for drivers with DUIs and other violations.

How Infinity compares to other insurance companies

Infinity

Infinity generally offers more expensive coverage and fewer perks than similar insurers like Commonwealth Casualty and 21st Century. The company also provides fewer discounts and is only available in some states. Most drivers can find more extensive and cheaper coverage with a different company.

Here’s how Infinity compares to its competitors.

Great Job Done

Average

Fair

Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.

Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot. 

Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.

Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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How Infinity rates compare to competitors

Infinity offers full-coverage insurance for $249 per month and liability insurance for $178 per month, on average. Its rates are more expensive than its competitors and the national averages of $214 for full coverage and $105 for liability coverage.

The table below compares Infinity’s monthly full-coverage rates to its competitors.

Average cost of Infinity auto insurance

Drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record — such as a speeding ticket, an at-fault accident, or a DUI — pay higher rates. Insurance companies consider high-risk drivers as more likely to file a claim and charge higher rates to make up for the possible financial loss.

Similarly, teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers pay the lowest rates because they have the most experience.

Infinity caters to drivers with infractions on their records, which may help explain its high rates.

The table below illustrates how Infinity’s monthly liability rates compare to the national average liability rates for various driver profiles.

Infinity car insurance cost by state

Your location affects how much you pay for car insurance. Each state has different car insurance requirements, which affect the cost of coverage. The number of accidents, weather, and crime in a state can also affect the pricing.[3] Even though coverage from Infinity is available in 13 states, the average cost varies from one state to the next.

The table below compares some of Infinity’s monthly liability rates to the state’s average liability rates. Infinity is typically more expensive than the state’s average.

Infinity car insurance discounts

Most car insurance companies offer discounts to help lower the cost of coverage. Discounts are an easy way to save money, and most insurers automatically search for discounts for drivers. Even though Infinity offers discounts, they’re limited, and it’s difficult to get information about them until you have an active policy with the company.

Infinity offers the following discounts:

Multi-policy

Pay in full

Good student

Safe driver

Multi-vehicle

How customers feel about Infinity

Infinity insurance reviews are overwhelmingly negative. On Trustpilot, Infinity has one star and more than 500 reviews.[2] Customers report that contacting the company is challenging, and the claims process is complicated. 

Industry reviews aren’t much better. Kemper, the company that owns Infinity, received the lowest score in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study.[4] Infinity also has an NAIC rating of 1.28, which signals a higher amount of complaints than average.[1]

Infinity customer reviews

Reading customer reviews is an effective way to understand the customer experience. The following reviews are from verified Infinity customers.

Great Job Done

Average

Fair

Good

Infinity ratings

Industry ratings use data from multiple sources to provide an unbiased look at a company’s operations. AM Best rates companies’ financial health, which can signal its ability to pay out claims. The J.D. Power Insurance Study and NAIC Complaint Index provide information about customer satisfaction.

The following Infinity ratings provide a snapshot of the company’s performance in different areas.

Infinity car insurance coverage options

Infinity offers basic car insurance and only a few additional coverage options. You can get liability-only car insurance coverage that meets the minimum legal requirements for each state. Liability coverage only pays for repairs and medical expenses for the other driver when you cause an accident.

If you want coverage that helps pay for your repairs, consider full-coverage car insurance through Infinity, which includes liability, comprehensive, and collision.

Infinity also offers:

Uninsured/underinsured motorist coverage helps pay for your repairs if another driver causes an accident and doesn’t have insurance or doesn’t have enough insurance.

Depending on where you live, you can add an optional coverage like roadside assistance. This can help with a flat tire, towing, emergency gas, lock-out service, or a jump-start.

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Other options for Infinity customers

Infinity specializes in car insurance. The company doesn’t offer any other types of personal insurance products, but you can add the following business policies:

Business insurance: Infinity offers different types of insurance for your business, including workers’ compensation, business interruption, and home-based business insurance.

Commercial auto insurance: This policy covers personal vehicles you or your employees use for business purposes.

Commercial general liability insurance: This policy protects you and your business from financial loss in the event of lawsuits.

Infinity insurance FAQs

Below are answers to common questions about Infinity Insurance Agency, including how to determine if it’s a good option for you.

Is Infinity legitimate?

Yes. Infinity is a legitimate insurance company with active licenses in multiple states and is owned by Kemper. If you buy coverage through Infinity, you’ll meet your state’s legal requirements for car insurance.

What is the average cost of Infinity car insurance?

The average cost of liability insurance from Infinity is $178 per month, and full coverage is $249. Your location, age, and driving record can affect the cost of coverage, so you might pay more or less than the average.

Is Infinity good at paying claims?

From a financial standpoint, Infinity is good at paying claims. The company has an AM Best financial strength rating of A- (Excellent), indicating that Infinity has the financial stability to pay claims.[5]

But Kemper’s low J.D. Power Claims Satisfaction score indicates that customers aren’t usually happy with the claims process or customer service.[4]

Who owns Infinity Insurance?

Kemper Insurance, a large insurance company with headquarters in Chicago, owns Infinity Insurance. The company bought Infinity in 2018.

How do I cancel my Infinity insurance policy?

You can cancel your Infinity car insurance policy by calling 1 (800) 690-3818 or logging into your online portal to start the cancellation process digitally.

Sources

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Read Editorial Guidelines

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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