Infinity Insurance Review 2024

Infinity is ideal for high-risk drivers who are finding it challenging to find coverage from other insurers.

Infinity Is Best for Those Who:

• Have violations on their driving record or need non-standard auto insurance
• Live in California
• Speak Spanish and are looking for customer support in Spanish

Infinity Is Not Best for Those Who:

• Have a clean driving record and could get better rates and customer service elsewhere
• Need many add-on coverages
• Live outside California

The average cost of Infinity car insurance is $2,215 per year for a full coverage policy, according to our aggregated data. This is $291 higher than the national average. For minimum coverage, Infinity’s average cost is $623, or $76 more than the national average.

Since Infinity provides auto insurance for high-risk drivers — for example, those with an SR-22 on file — it’s reasonable to expect that its rates will be higher than average. The rates you’re quoted may differ, but they will be higher than if you had a clean driving record.

Infinity offers basic discounts to help you lower your premium, but you won’t find as many options as other companies. For example, there’s no telematics discount for tracking your driving habits, which is pretty common among most insurers. That said, there are still ways to save with Foremost.

Highlighted Discount: Mature Driver Improvement Course Discount

Infinity offers California drivers what is essentially a driver’s education discount, which means you can save money on your premium if you take an approved defensive driving course. You must meet the age requirement, as this discount is meant to incentivize mature drivers to refresh their basic driving skills and learn about potential new traffic laws or new vehicle technologies.

The age requirement is not specified on Infinity’s website, so you’ll need to contact your agent to learn more about the precise eligibility criteria, but it’s not available to younger drivers. With other insurers, I’ve typically seen this discount offered to drivers aged 50 or 55 and older. To find approved courses, you can contact your local DMV, the AARP, or ask your agent about other options.

Other Discounts

Infinity also offers the following discounts to California drivers:

• Good student discount: If you have a teen or young adult on your policy, and they’re a full-time high school or college student with a B average (3.0 GPA) or higher, you may qualify for a discount on your family car insurance policy.
• Renewal Discount: Every time you renew your auto policy with Infinity, you’ll automatically receive a discount. The discount may increase the longer you stay with the company, but it doesn’t change based on your coverage amount — you will still qualify even if you have a liability-only policy.

Finally, auto insurance is more expensive in California for a number of reasons, including the greater likelihood of natural disasters and higher cost of living overall. It’s worth shopping around with at least three different providers to find the lowest prices.

You’ll need to call Infinity (1-800-INFINITY) to speak to an agent and get a quote. The website mentions that you can also get a quote online, but I could not find a link to do so.

You’ll need information about the drivers you’re looking to add to your policy (including yourself), their names, birthdates and driver license numbers. You should have your vehicle details available — including the year, make, and model or the VIN number — as well as information about your prior insurer.

When I click ‘Get a Quote’, I’m brought to the following page:

Infinity provides the standard types of insurance coverage: liability coverage, collision and comprehensive coverage, personal injury protection and uninsured motorist coverage.

Infinity offers fewer add-on coverage options than other insurers. It used to have a free roadside assistance program, but links to the program now redirect to the home page, so it looks to have been discontinued.

Infinity offers at least the following two coverages — it may also offer GAP insurance and certain other coverage options, but it doesn’t provide much information on its website, so it’s best to call an agent to confirm.

You can customize coverages and coverage amounts as long as you meet the minimum limits required in California.

Customer satisfaction is a weak point for Infinity — it has a complaint score of 12.56 from the NAIC Customer Complaint Index, which rates how frequently customers file complaints about insurance companies. This score is quite high and means that Infinity receives more than 12 times as many complaints as would be expected for similar companies.

It has an A- rating from AM Best, meaning it is financially stable and can be counted on to pay out claims, but I think it’s worth noting that it was downgraded from a score of A in 2022, and many competitors have higher ratings.

To file a claim with Infinity, you must call the company to speak with an agent. The claims section of its website is currently down, so don’t hesitate to call if you have any questions about how to go about submitting a claim. It’s possible that online filing will be available in the near future, but for now, calling is the only option.

In general, I think calling to file a claim is wise because a representative can answer questions and guide you through the process, hopefully making the process less stressful.

Claim processing times depend on the complexity of the claim. They may be resolved as quickly as a few days or may take several months. If you have any questions or concerns about a pending claim, be sure to contact an agent.

Infinity has a very basic website that looks a bit outdated and is not particularly user-friendly. It does not have an online portal for customers to manage their accounts, and it does not appear to have a mobile app.

I looked into the Kemper Auto Insurance mobile app, and the listing in the App Store notes that California customers can use the “Infinity, A Kemper Company” app, but the app no longer exists. Infinity customers may be able to use Kemper’s main app, but it may not be very helpful either way since it has a 1.4 rating on the App Store and a 2.1 rating on the Google Play Store.

At AutoInsurance.com, we evaluate auto insurance providers on four criteria:

• Price (40%): We analyze average premiums for full and minimum coverage. Our analysis includes drivers with clean records and good credit and other profiles, including those with at-fault accidents, DUIs, or low credit. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.