Infinity Auto Insurance Review 2022

Dec 17, 2021

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Our Take

2.5

NerdWallet rating 

The bottom line:

Infinity sells insurance to high-risk drivers, although it's available only in California.

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Infinity Auto Insurance
Infinity
NAIC complaints
Far more than expected
Ease of use
Average
Discounts
Great set of discounts

Pros & Cons

Pros

  • Website available in Spanish.
  • Provides auto insurance to high-risk drivers.

Cons

  • Receives far more complaints than expected for a company of its size.
  • Available in California only.
  • Likely not the best option for drivers who aren’t high-risk.

Full Review

Infinity is owned by Kemper, a nonstandard insurer and the 12th-largest car insurance company in the nation. Infinity sells auto insurance in California only, primarily through independent insurance agents. Infinity also offers commercial auto policies.

Infinity auto 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 in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's 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 type

What it pays for

Required?

Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair 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 an additional option:

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.

Auto insurance discounts

Infinity’s auto insurance discounts include:

  • Multiple car discount.

  • Safe driver discount.

  • Paid in full discount.

  • Paperless discount.

  • Mature driver improvement course discount.

  • Good student discount.

  • Loyalty discount.

  • Switch and save discount for new customers.

  • Homeowner discount.

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See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

GET MY RATES

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine 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 make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll 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.

Complaints

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

More about Infinity auto insurance

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

Mobile app: Infinity’s smartphone app allows policyholders to view ID cards, manage claims and make payments. You can also use the app to summon DriverClub roadside assistance at any time.

Other insurance from Infinity

Besides personal auto insurance, Infinity sells commercial auto and home insurance.

Methodology

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.

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.

Frequently asked questions