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.

How Infinity compares to other insurance companies

  • 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.

How Infinity rates compare to competitors

Infinity offers full-coverage insurance for $281 per month and liability insurance for $146 per month, on average. Its rates are more expensive than its competitors and the national averages of $182 for full coverage and $103 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:

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.

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:

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 $146 per month, and full coverage is $281. 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.

Taylor Milam-Samuel
Taylor Milam-Samuel

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.

Taylor has been a contributor at Insurify since February 2023.

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