Infinity Auto Insurance Review (2024)

Infinity car insurance may be an excellent option for high-risk drivers. However, the company could provide too few opportunities for people seeking robust coverage. Additionally, anyone living outside California cannot purchase a policy with Infinity.

What You Should Know About Infinity A Kemper Company

If you’re a high-risk driver searching for proper car insurance coverage, you may want to consider Infinity Insurance. Infinity auto insurance offers nonstandard coverage to drivers who may have difficulty finding policies with other companies.

Infinity’s parent company, Kemper Insurance, has an A- (Excellent) financial strength rating with A.M. Best and a stable outlook for the future. The company also has an A+ rating with the Better Business Bureau (BBB). 

Infinity Insurance Company offers the typical options for car insurance, but the company allows high-risk drivers to purchase liability-only policies. Unfortunately, Infinity car insurance is only available in California.

Since it may be difficult to find cheap auto insurance options, keep reading our Infinity auto insurance review to find the most affordable coverage.

Infinity A Kemper Company Insurance Coverage Options

Infinity Insurance, which is owned by Kemper, offers three options for auto insurance coverage. The company website states that policyholders have the option to purchase liability auto insurance coverage that meets California’s requirements but can also purchase a policy that provides the best protection possible.

While Infinity is not specific about what coverage options are available, the company likely offers the following options:

• Bodily injury liability
• Property damage liability
• Medical payments coverage
• Personal injury protection coverage
• Collision coverage
• Comprehensive coverage

Along with these policies, Infinity offers DriverClub, the company’s 24/7 roadside assistance program. With Infinity DriverClub, policyholders can receive assistance if they run out of gas, get locked out, have a dead battery, and much more. 

Membership for DriverClub is included in your Infinity auto insurance rates, though you will have to pay for roadside assistance services as needed. 

Infinity A Kemper Company Insurance Rates Breakdown

To see how California’s average annual full-coverage auto insurance rates compare with the rest of the country, look at this map.

It isn’t easy to know how much you would pay for coverage with Infinity before getting a quote. Many factors affect car insurance rates, including age, location, and coverage type. 

The graphic below shows how Infinity's average annual rates for full vs. minimum auto insurance coverage compare for 45-year-old drivers.

Still, it’s safe to assume that rates with Infinity would be higher than rates with other companies since Infinity primarily insures risky drivers.

While rates with Infinity are higher than those from other companies, they are often less expensive than those with Farmers and National General. Before you commit to a policy with Infinity, shop around and compare auto insurance quotes from multiple providers online.

Infinity Auto Insurance for High-Risk Drivers

If you’re a high-risk driver, rates are likely to be at least slightly higher than average.

For teens and people with a driving infraction, auto insurance rates with Infinity are anywhere from 3% to 44% higher than the national average. Whether you have a DUI or a history of accidents, it can certainly affect your rates negatively.

Here is a look at the national averages for those with a DUI on their driving record.

Rates will vary from one insurance company to the next as each company weighs factors like your driving record differently. So, those with accidents on your record won't pay a set price. Here is a look at what you may be paying depending on what car insurance company you are with.

If you are pulled over and given a ticket for speeding, you may also see an increase in your auto insurance rates. Here's how much, on average, Infinity rates may go up.

Overall, having infractions of any sort on your driving record will make your insurance more expensive. So, picking the right company for your situation can help keep costs down.

Infinity A Kemper Company Discounts Available

Infinity does offer its policyholders specific auto insurance discounts on coverage, including the following:

• Multi-car
• Safe driver
• Paid-in-full
• Paperless
• Mature driver improvement
• Good student discount
• Loyalty
• Switch and save
• Homeowner

If you live in California and believe you may qualify for coverage, you can call Infinity to speak with a representative. Some discounts could help you save as much as 20% on your insurance premium. Also, you may want to find out which auto insurance companies have the biggest multi-car discounts.