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Infinity Auto Insurance Review 2021

Infinity caters to Latino communities and is one of the largest insurers for high-risk drivers, although it's available only in five states.
May 21, 2021
Auto Insurance, Insurance
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Infinity reviews and ratings

  • Has far more complaints to state regulators than other auto insurers of similar size.
  • Second-largest nonstandard auto insurer in the country.
  • Offers all its website resources in Spanish.

Infinity is owned by Kemper, a nonstandard insurer and the 13th-largest car insurance company in the nation. According to its site, Infinity primarily serves Latino communities in places like Miami and Los Angeles. It is available for drivers in five states: Arizona, California, Florida, Georgia and Texas. Infinity also offers commercial auto policies.

Infinity auto insurance

4.0 NerdWallet rating

Infinity auto insurance earned 4 stars out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

Common types of car insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance to drive a vehicle, although minimum coverage requirements vary from state to state. This generally includes liability insurance and uninsured and underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy you can buy, but rather a combination of coverage types like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage typeWhat it pays forRequired?
Bodily injury and property damage liabilityCosts for injuries, deaths or property damage from an accident you caused.Typically required.
Uninsured or underinsured motorist coverageMedical and property damage costs after an accident with a driver who has insufficient insurance or none at all.Often required.
Collision coverageRepair expenses from traffic-related accidents, regardless of who's at fault.A car loan or lease may require it.
Comprehensive coverageRepair costs from events outside of your control — including weather events, hitting an animal while driving, theft and vandalism.A car loan or lease may require it.

Infinity offers basic insurance coverage, plus some additional options:

DriverClub provides roadside assistance 24 hours a day, even if you’re a passenger in someone else’s car. Membership is free; you pay for service as needed.

Ridesharing insurance from Infinity is available in the Miami metro area for customers who drive for services such as Uber or Lyft. Rideshare companies’ policies cover you while en route to pick up passengers or while they’re in your car, but leaves a gap while you’re waiting for a ride request. This coverage fills in the gap and ensures your policy won’t be canceled for using it for work.

» MORE: Compare car insurance rates

Auto insurance discounts from Infinity

Infinity’s auto insurance discounts vary by state. Depending on where you live, discounts include:

  • Multiple car discount.
  • Safe driver discount.
  • Paid in full discount.
  • Paperless discount.
  • Discount for starting your quote online.
  • Vehicle safety discount.
  • Mature driver improvement course discount.
  • Good student discount.
  • Discount for getting a quote at least six days before your current policy ends.
  • Loyalty discount.
  • Switch and save discount for new customers.
  • Homeowner discount.
  • Discount for AAA members.

» MORE: Discount car insurance: Your guide to getting the best price

Complaints about Infinity

Infinity had far more than the expected number of complaints to state regulators for auto insurance relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about Infinity

Website: On Infinity’s website, you can view or change your policy, make payments, track a claim and more. You can also read any of Infinity’s pages in Spanish.

Mobile app: Infinity’s smartphone app allows you to view ID cards, make payments and find preferred repair shops. You can also use the app to summon DriverClub roadside assistance at any time.

More from Infinity: Other insurance products are available from third-party companies through Infinity’s partnerships. Here are the types of insurance you can get through Infinity:

Insurance available through Infinity's partners
Motorcycle insuranceMobile home insurance
ATV insuranceLife insurance
RV insuranceCondo insurance
Homeowners insuranceUmbrella insurance
Renters insuranceFlood insurance
Commercial auto insuranceBoat insurance

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect basic information, such as the driving history of everyone on the policy and facts about your car, including safety features and annual mileage driven. You’ll also want to understand which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to decide based on price alone. Look at how many consumer complaints each company has, as high numbers can be a red flag about the quality of service you might receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Recap: Infinity pros and cons

Website available in SpanishReceives far more complaints than other auto insurers
Provides auto insurance to high-risk driversAvailable in five states only
Large list of insurance products offered through third-party insurersLikely not the best option for drivers who aren’t high-risk

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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