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Infinity Insurance Pros And Cons

Infinity Insurance ProsInfinity Insurance Cons
Wide range of discount optionsHigh number of poor customer reviews
More expensive than competitors
Only available in California

Infinity Insurance Rating: 3.7 Out Of 5.0

Overall Rating3.7

Infinity Insurance may wow customers with its wide array of auto insurance discounts, but it’s hard to overlook the company’s high rates and the overwhelming number of negative reviews surrounding its customer service. Our expert team researched pricing, policies, and customer feedback for our Infinity Insurance review to determine how its auto coverage compares to competitors’ offerings. 

If you’re unsure what type of coverage you need or simply want to explore more options, we also encourage you to take a look at our list of the best car insurance companies for more information.

In This Review:

    About Infinity Insurance

    Founded: 2002
    Parent company: Kemper Corp.
    States available: California
    AM Best financial strength rating: A
    Insurance types: Auto, home, business, commercial vehicle, renters

    Infinity Insurance is based in Birmingham, Alabama, and offers auto insurance in California. It’s owned by Kemper Corp., the 11th-largest car insurance provider in the U.S., according to the National Association of Insurance Commissioners (NAIC).

    Infinity Insurance Car Insurance Cost And Discounts

    According to our rate estimates, the average cost for a full coverage Infinity auto insurance policy is about $3,325 per year. This is for a 35-year-old driver in California with a good credit score and a clean driving record. The average for the same driver profile with other companies is $2,519 per year, making Infinity’s average rates about 32 percent more expensive than those of the competition.

    The table below can give you a sense of how Infinity compares to other insurers in California:

    Car Insurance Companies

    Estimated Annual Cost in California



    Mercury Insurance


    California average premium




    Farmers Insurance


    State Farm


    Infinity Insurance


    Check out our comprehensive guide to car insurance quotes to learn more about finding the best quote for your vehicle and budget.

    Infinity Insurance Discounts

    Infinity’s website provides a wide variety of insurance discounts designed to save drivers money. We’ve listed them below for your convenience:

    Multi-car discountIf you insure more than one vehicle with Infinity and all insured vehicles have the minimum liability insurance
    Mature driver improvement course discountIf you meet Infinity’s age requirement and take its safe driving course
    Good student discountIf you’re a full-time student with a B average (3.0 GPA) or higher
    Renewal discountIf you’re an existing Infinity customer and renew your insurance policy
    Homeowners discountIf you own a home
    Paid-in-full discountIf you pay your premium as a lump sum rather than monthly
    Advanced quote discountIf you begin shopping for a new policy with Infinity at least six days before your current one ends
    Safety features discountIf your vehicle has air bags, anti-lock brakes, and/or anti-theft systems
    Paperless discountIf you get all communications online instead of by mail

    Infinity Insurance Auto Insurance Coverage

    Infinity provides the standard types of auto insurance policies, similar to most companies, including full coverage. It’s also considered a nonstandard insurer, meaning it provides policy options for high-risk drivers with bad driving records or poor credit.

    For your convenience, we’ve listed the types of standard auto insurance below: 


    Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.


    Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.


    Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Additional Infinity Insurance Coverage Options

    In addition to the policies listed above, Infinity gives policyholders membership in the Infinity DriverClub®, a 24/7 roadside assistance program. You pay for services like towing as needed, and you can access help even if you’re a passenger in another vehicle.

    Infinity Insurance Usage-Based Insurance

    Many companies offer usage-based insurance policies that charge customers per-mile rates rather than flat ones, usually tracking mileage through apps. These options can be great for safe drivers, those working from home, or people who don’t drive much.

    Unfortunately, Infinity doesn’t offer any usage-based car insurance. If this interests you, you’ll need to consider a different provider

    Infinity Insurance Mobile App

    Infinity customers who want to use a mobile app must download the Kemper Auto Insurance app, as the Infinity app is no longer being supported. Although the app has 1.4 out of 5.0 stars on the App Store and 2.3 out of 5.0 stars on Google Play, it allows customers to:

    • Access policy information
    • View quotes and insurance ID cards
    • Access claims
    • Make insurance payments
    • Find agents’ contact information
    • Access online chat

    Infinity Insurance Reviews

    Better Business Bureau (BBB) rating: B
    BBB complaints in last three years: 495
    J.D. Power customer satisfaction index: N/A
    Trustpilot rating: 1.2

    Online reviews for Infinity Insurance on both the BBB’s website and Trustpilot skew highly negative, with constant complaints of poor customer service. Although it maintains a B rating with the BBB, customers rate Infinity very low, with an average of 1.0 out of 5.0 stars. Trustpilot reviews reflect this sentiment, rating Infinity at 1.2 out of 5 stars on average. Complaints range from poor insurance services to trouble contacting insurance agents

    Positive Infinity Insurance Reviews

    Positive reviews for Infinity car insurance are difficult to come by. However, there is occasional positive feedback such as this:

    “I made the claim, I called a couple of times, but within two days the adjuster had given the report. A few hours later, my car was being towed to the shop they suggested, which turned out to be a great shopI had a very positive experience with these people and had never used this insurance before now.”
    – Customer via Trustpilot

    Negative Infinity Insurance Reviews

    There are an overwhelming number of negative reviews for Infinity Insurance, many of which say the service doesn’t live up to customers’ expectations. Here are a couple examples:

    “Worst insurance company ever. I’ve had nothing but problems with them. They also won’t fight for your case when you’re right and even the adjusters agreed with you. Never return phone calls or answer a phone. Talk rudely when you do speak to them.”
    – Ashley E. via BBB

    “Horrible service, worst experience ever, going on 90 days still no progress. Just retained a lawyer!”
    – Lavell A. via BBB

    Although there are a very high number of complaints, Infinity responds to many of the negative comments, asking for customers’ contact information to help resolve issues. Unfortunately, the standard reply doesn’t always provide the quality of service customers are looking for.

    Bottom Line On Infinity Insurance: 3.7 Stars

    While Infinity offers a wide variety of car insurance discounts and has good financial stability, we found its customer service is less than satisfactory for the cost of its rates. Despite this, Infinity is worth considering for Calfornians who are high-risk drivers and have trouble getting car insurance from other providers.

    Other Recommendations For Car Insurance

    Are you unsure whether Infinity is right for you? We’ve listed two of our favorite insurance providers below.

    Compare car insurance rates
    Answer a few simple questions to save money on your policy

    Geico: Best Overall Provider

    Our pick for Best Overall Provider of 2022, Geico offers great discounts and affordable rates for any budget. It has an A++ financial strength rating from AM Best, indicating it’s capable of paying insurance claims out. Geico scored especially well in the J.D. Power 2021 U.S. Auto Insurance Study℠ for the state of California, coming in fourth place.

    Read our comprehensive Geico insurance review to learn more.

    Progressive: Best Usage-Based Insurance

    Progressive is known for covering all types of drivers, ranging from high-risk to experienced. Its Snapshot® program rewards safe driving with discounted rates and is one of the highest-rated usage-based insurance programs available. Combined with its extensive list of discounts, Progressive offers competitive pricing for coverage similar to Infinity’s.

    Read our Progressive insurance review or our Geico vs. Progressive review for more information.  

    Frequently Asked Questions: Infinity Insurance

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance Infinity Insurances. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance Infinity Insurances that offer easy-to-use claims apps.

    *Data accurate at time of publication.