Infinity Review: Is It a Good Choice for Car Insurance?

Infinity offers straightforward coverage for drivers who might have trouble finding affordable car insurance elsewhere, but limited discounts and coverages mean it may not be right for everyone.

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Infinity Kemper car insurance Rating ?


  • Affordable rates
  • Strong financial stability
  • Specializes in high-risk drivers


  • Limited discounts and coverage options
  • Not available in all states
  • Mixed customer satisfaction scores

Bottom Line

If you want no-frills auto insurance coverage at an affordable price, Infinity Auto Insurance could be just what you’re looking for. But with limited availability, discounts, and coverage options, it may not be the right fit for everyone.

Infinity Auto Insurance: At a Glance

Founded 1955
Available in 44 states
Owned by Kemper
National average premium $75 per month
Mobile app Android, iOS
Customer service 1 (800) INFINITY
Claims 1(800) 353-6737
Primary competitors Liberty Mutual, Mercury Insurance, GEICO

Infinity Auto Insurance stands out in a crowded car insurance market for blending traditional coverage options and customer-friendly technology. Founded in 1955 and now part of Kemper’s diverse group of insurance companies, this “non-standard” insurer specializes in providing affordable rates for drivers with less-than-perfect records.

Convenience is one of Infinity’s major selling points — you can get a quote over the phone and manage your policy or file claims with the company’s mobile app.

But reviews from current customers are mixed, with many complaining about a stressful and clunky claims experience. And if you’re looking for expansive coverage options and plentiful discount opportunities, Infinity may not be the best fit.

In this review, we’ll explore the various aspects that make Infinity Insurance a potentially good choice for your auto insurance needs in 2024, as well as areas where it struggles to keep up with the competition.

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Is Infinity a Good Choice for Car Insurance?

When considering Infinity for your car insurance, it’s important to weigh its strengths and weaknesses. Let’s take a look at both.

Where Infinity stands out

Infinity stands out with affordable rates for high-risk drivers. It even offers coverage to many drivers who struggle to find it with other companies.

Another notable feature is its free 24-hour roadside assistance program, Infinity DriverClub. Many car insurance companies charge extra for this coverage, so taking advantage of this benefit could save you money if you’re currently paying for this service through another company.

Where Infinity falls short

While Infinity offers convenient options for getting a quote online or over the phone, the company might fall short when it comes to claims handling. On Trustpilot, 67% of users give Infinity just one star, and many of the poor reviews mention denied claims and poor communication and service from claims adjusters.

Infinity Insurance Customer Reviews

As we mentioned, Infinity Auto Insurance isn’t immune to criticism, particularly regarding its customer service from claims and billing. The below complaint is a perfect example of what many customers point out when it comes to Infinity’s shortcomings — poor customer service and a difficult claims experience.

 Infinity Auto customer review 1Despite having a Trustpilot rating of 1.2 out of 5 stars, some customers — like the one featured in the review below — report receiving excellent service from Infinity Auto representatives. This seems to be particularly true when getting quotes and customizing coverages.

 Infinity Auto customer review 2

How Much is Infinity Car Insurance?

Like other car insurance companies, Infinity Insurance offers varying rates based on several common pricing factors. Still, it’s a good idea to understand roughly how much the average customer pays for coverage from a company before considering it as your next insurer.

The table below shows Infinity’s average rates for liability-only and full-coverage car insurance.

Liability Only Full Coverage
$52 $98

Infinity’s average rates are substantially lower than the national averages of $131 and $271 per month for liability and full coverage, respectively.

But remember that while these figures provide a snapshot, insurance premiums are highly personalized and depend on various factors. We’ll delve into specifics in the coming sections.

How do Infinity’s rates compare to competitors?

Infinity specializes in providing non-standard car insurance, which is designed for drivers who’re considered high-risk because of recent traffic violations, accidents, or coverage lapses that could cause them to not qualify for coverage with other insurers.

The following table shows how Infinity’s rates compare to other popular non-standard car insurance companies.

Company Liability Only Full Coverage
Infinity $52 $98
Direct Auto $109 $186
Kemper $103 $207
National General $66 $148
SafeAuto $85 $187
The General $130 $244

Infinity’s average rates are lower than those of every other company on our list, making it an excellent option when shopping around for affordable car insurance, especially if you’re considered a high-risk driver.

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Infinity Average Car Insurance Rates by Age Group

Age is a significant factor in determining car insurance rates because insurance companies generally view age as an indicator of driving experience and overall risk potential. Typically, the younger you are, the more you can expect to pay for car insurance.

Let’s see how age affects average premiums with Infinity.

Age Liability Only Full Coverage
Teens (18 years old) $271 $488
Young adults (25 years old) $75 $142
Adults (40 years old) $54 $102
Retirees (65 years old) $66 $122

As with most insurance companies, teen drivers pay the highest rates with Infinity because of their lack of experience and tendency toward risky driving behaviors.

Infinity rates for teens and young drivers

While Infinity has highly competitive rates overall, its average premiums for teen drivers run right about average: Infinity charges $271 per month for liability policies, while the national average is $263, for example.

But turning age 25 is a significant milestone for car insurance customers because it’s typically the point where insurance companies stop considering you to be young and inexperienced. At this age, Infinity’s average rates drop by roughly 70% for liability-only and full-coverage car insurance. On top of that, Infinity’s average rates for 25-year-olds are between 25% and 33% cheaper than the national average.

In the next section, we’ll look at rates for the other end of the spectrum: senior citizens.

Infinity rates for seniors and retirees

Rates tend to stabilize as you approach age 40 but increase again once you reach retirement age. This trend continues with Inifinity customers as well, with 40-year-old drivers seeing the company’s cheapest rates overall: $54 and $102 per month for liability and full coverage, respectively.

While senior drivers tend to be more careful and drive fewer miles than those who commute to work daily, they’re also more likely to be involved in fatal car crashes, according to the National Safety Council. This could be due to slower reaction times, diminishing vision, and other effects of aging.

That means seniors can expect to see a bit of a rate hike. Drivers who use Inifinity tend to see their rates increase by around 20% between ages 40 and 65. While most insurers tend to give seniors a less dramatic rate increase, Infinity’s average rates for drivers age 65 and older are still cheaper than the national average.

Infinity Average Car Insurance Rates by Driving Record

Your driving record is one of the most important factors in determining your car insurance rates. Insurance companies assess the risk of insuring you based on your past driving behavior. Drivers with a clean record tend to pay lower rates than those with tickets, accidents, and driving under the influence (DUI) on their records. Still, the difference can vary dramatically from one company to the next.

The table below breaks down Infinity’s average rates based on driving record, according to data.

Driving History Liability Only Full Coverage
Clean record $52 $98
Speeding ticket $68 $128
At-fault accident $89 $170
DUI $92 $177

Even though Infinity specializes in insuring people with less-than-perfect records, it still charges higher rates for drivers with accidents, speeding tickets, and DUIs — but that’s to be expected.

Let’s review these rates more closely.

Infinity rates after a speeding ticket

How much your insurance rates increase after a speeding ticket depends on the severity of the violation, your previous driving record, and the insurance company’s policies. But rates increase nationally by an average of 37% after one ticket, according to data.

Infinity is a little more forgiving, as its rates increase by an average of 30%. And, at just $68 per month for a liability policy, it’s among the cheapest options for drivers with a ticket.

Even after receiving a ticket, there may be ways to qualify for lower rates. For example, you may qualify for a discount if you take a defensive driving course and work on improving your habits behind the wheel.

Infinity rates after an accident

Causing a car accident often leads to a noticeable increase in your insurance premiums. Car insurance rates increase by an average of 44% nationally after an at-fault accident, according to data from

While some car insurance companies offer accident forgiveness, Infinity doesn’t. But you can still take advantage of other available discounts, such as for paying your premium in full or insuring multiple vehicles.

Infinity rates after a DUI

You can expect your rates to increase substantially after a DUI conviction. Infinity’s rates increase by around 80%, but, compared to the national average increase of 94%, the company fares relatively well. In fact, Infinity’s average rates for drivers with a DUI conviction are more than 90% cheaper than the national average, making it an excellent option for many high-risk drivers.

Still, an 80% rate hike is nothing to scoff at. To offset that increase, you might want to review your policy to ensure you’re not paying for optional coverages you don’t need or switch to liability-only coverage on older, lower-value vehicles.

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What Car Insurance Discounts Does Infinity Offer?

Car insurance discounts can reduce the overall cost of insuring your vehicle, and most companies offer at least a handful. Infinity advertises the following discounts on its website:

  • Multi-car: You’re eligible for this discount when you insure more than one car with Infinity.
  • Safe driver: Maintaining a clean driving record with no at-fault accident helps you qualify for a discount.
  • Paid-in-full: Infinity offers a discount to customers who pay their entire premium up front rather than in monthly installments.
  • Electronic payments: Even if you can’t afford to pay in full, you can get a discount for having your monthly payments automatically drafted from your account.
  • Switch-and-Save: This discount is available to new customers switching to Infinity.

Discounts vary by state, so it’s a good idea to ask about any available discounts you might qualify for when getting a quote.

What Types of Coverage Does Infinity Offer?

Infinity offers standard policy options such as liability-only and full coverage, but it also offers a decent range of additional coverages. You may want to ask about options such as:

  • Special equipment coverage: This covers non-standard equipment installed on your vehicle, such as custom wheels or an upgraded sound system.
  • Glass waiver: This optional coverage pays to repair or replace broken auto glass (like your windshield) without a deductible.
  • Loan/lease payoff: Often referred to as “gap” coverage, this covers the difference between your loan or lease balance and the fair market value of your vehicle if it’s stolen or totaled in an accident.
  • Rental reimbursement: This covers the cost to rent a vehicle while yours is in the shop after a covered claim.

Purchasing a Car Insurance Policy from Infinity

Infinity’s website makes it look easy to purchase a policy online: An invitation to “Buy online to save time and money” is one of the first things you see at the top of its home page.

Infinity insurance homepage

Unfortunately, the real-life experience isn’t quite so user-friendly. While its website says the company operates in 44 states, it doesn’t specify which ones. If you enter a ZIP code for a state where Infinity doesn’t offer coverage, the website doesn’t say so. Instead, it just kicks you over to a third-party comparison website that’ll give you other options after entering all of your personal and contact information.

For example, we spent around 30 minutes answering questions before we reached this page showing unpriced options from several other companies:

Infinity Insurance third-party comparison website

Even if you live in a state where Infinity operates, you probably won’t be able to get a quote online. When we entered ZIP codes in Arizona, Florida, and California — states Infinity operates in — we were instructed to call the company’s customer service number to get a quote.

Kemper Auto customer service contact info page

Reviewing Infinity Customer Service

If you call Infinity for a quote, it’s not difficult to get ahold of a live person.

Infinity’s hours of operation are:

  • Monday through Friday: 7 a.m.–10 p.m. CT
  • Saturday: 8 a.m.–7 p.m. CT
  • Sunday: 10 a.m.–6:30 p.m. CT

When I called mid-day on a Tuesday, I encountered only one menu asking me to press two to get a new policy. I was connected to a customer service rep in under one minute.

Infinity’s website also offers a chat feature. When I used that feature, connecting with someone took about two minutes. But customer service agents can’t provide quotes for new policies through chat, so if you want to switch to Infinity, you’ll need to do so over the phone.

Most of the online reviews of Infinity customer service have to do with claims processing, so let’s look at how to file a claim with Infinity and what you can expect during the process.

Filing a Claim with Infinity

Infinity makes it easy to file a claim with its mobile app and online claims portal. To report a new auto claim online, you must have your policy number or vehicle identification number (VIN) and the date and approximate time of the accident. You can also report a claim over the phone.

Unfortunately, the “easy” part seems to end with claim filing. Across online forums and review sites, many people who’ve dealt with Infinity claims are less than satisfied with the experience. The below Trustpilot review of Infinity’s claims process unfortunately isn’t an outlier.

Infinity Trustpilot review 1

Several users complain about stubborn insurance adjusters who are difficult to contact. Many reviewers, like the one below,  share struggles of getting Infinity to pay out claims — even current policyholders.

Infinity Trustpilot review 2

What Other Types of Insurance Does Infinity Offer?

Infinity doesn’t offer a wide variety of insurance products. Beyond personal auto policies, its only other policy offerings are for business and homeowners insurance.

Bottom Line: Is Infinity Car Insurance Right for You?

Deciding whether Infinity is the right car insurance company for you involves weighing its advantages and disadvantages and comparing its coverage options to your needs.

Because Infinity specializes in working with high-risk drivers, you may be able to find coverage that fits your budget from Infinity, even if you have a few blemishes on your record. But the company doesn’t appear to offer many discounts or customizable coverage options, and it’s only available in select states.

If you live in an area where Infinity operates, it’s worth getting a quote to see how its rates compare to other companies. Just keep in mind that while Infinity’s customer service shines when you want to buy a policy, it appears to be lacking when handling claims.

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Infinity Auto Insurance FAQs

It’s natural to have questions about potential insurance companies when shopping around for insurance. To help you better understand what Infinity Insurance offers, here are some quick answers to frequently asked questions.

Does Infinity have the cheapest car insurance?

It depends. Infinity may offer competitive rates — especially for high-risk drivers — but it’s not necessarily the cheapest option for everyone. Rates vary based on individual circumstances, so it’s important to get a personalized quote.

Is Infinity a good car insurance company?

Infinity has an AM Best financial strength rating of A- (Excellent), which means the company is financially stable and can meet its obligations, such as paying out claims.

Why is Infinity insurance so high?

Infinity’s rates can be higher for some drivers because it’s a non-standard insurer, which means it specializes in insuring high-risk drivers. Factors like your driving history, vehicle type, and coverage options also influence costs.

Is Infinity insurance the same as Kemper?

Infinity is a part of the Kemper Corporation. Kemper Insurance acquired Infinity Insurance in 2018, but Infinity still operates as a separate brand in select states.


Data scientists at analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article.’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information. All the quotes listed in this article have been gathered from a combination of real quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.


  1. Centers for Disease Control, “Teen Drivers and Passengers: Get the Facts,” accessed January 16, 2024.
  2. Insurance Information Institute, “Senior driving safety and insurance tips,” accessed January 16, 2024.
  3. National Safety Council, “Older Drivers,” accessed January 16, 2024.
  4. AM Best, “Infinity Insurance Company,” accessed January 16, 2024.
  5. Business Wire, “Kemper Completes Acquisition of Infinity, Adds New Director,” published July 2, 2018, accessed January 16, 2024.

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