Infinity Insurance was established in 1955. It is headquartered at Birmingham, Alabama. It specializes in nonstandard auto insurance. At the moment, it is the second largest writer for non-standard car insurance policies. Infinity Insurance was purchased by Kemper Insurance in 2018. All Infinity Insurance offices outside of California have been merged into Kemper Auto offices.
Infinity offers a variety of insurance products including homeowners insurance, non-standard car insurance, and insurance. Only California-based insurance is sold by the company.
Infinity Car Insurance
Infinity Insurance sells non-standard auto insurance. This policy is for high-risk drivers. Infinity Insurance can provide the coverage that you need if you are unable to purchase regular car insurance because of a DUI conviction, poor driving record, or claims history. Infinity’s car insurance offerings are very limited. Although there are many discounts, the policies are generally more expensive than the original.
Types of coverage
Infinity provides minimum coverage insurance that meets all state requirements. There are very few options for drivers who wish to customize their policy. These coverages are available.
- Basic coverage: Infinity offers collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage.
- SR-22 certificates A SR-22 certificate shows that a driver has the minimum required insurance coverage. If their license has been suspended, a driver will need an SR-22 certificate to get it back.
- Personal Injury Protection: In no-fault countries, personal injury protection (PIP), is mandatory. It pays for medical bills and lost wages following an accident, no matter who caused it.
- Infinity driverClub(r), Infinity offers a complimentary membership program called Infinity driverClub(r),. This provides roadside assistance coverage for basic repairs and towing.
Infinity car insurance: What is the cost?
Infinity Insurance’s car insurance policies cost $1,908 annually for full coverage insurance, and $595 per year for minimum coverage insurance. The national average cost for full coverage car insurance in the United States is $1,738 annually.
|Minimum Coverage||Complete Coverage|
Because it caters to high risk drivers, Infinity car insurance costs more than the average. Infinity is a non-standard car insurance company that charges more because it insures high-risk drivers statistically more likely than the average driver to file a claim.
Infinity Insurance offers several discounts to help drivers save money on car insurance. According to the website, drivers can get up to $679 off their car insurance policy. These are the Infinity discounts:
- Multi-car discount
- Safe driver discount
- Full discount if paid in full
- Electronic payment discount
- Switch-and-save Discount
Infinity Home Insurance
Infinity offers home insurance through an independent network of insurance providers. You cannot combine a home- and auto insurance policy with Infinity, as the company does not underwrite them. Prospective customers can contact customer service to learn more about Infinity’s home insurance policies.
Types of coverage
It is impossible to know exactly what coverages are available because Infinity doesn’t underwrite homeowners insurance policies. Here are the basic coverages offered by most home insurance providers:
- Basic coverage: The majority of home insurance companies offer coverage for dwelling, personal property and medical payments.
- Water backup/sump pump coverage: Many insurers offer an additional coverage that covers the repair of clogged sump pumps or water pipes.
- Scheduled personal item coverage: Homeowners may be eligible for a scheduled personal asset endorsement. This increases the coverage limits for valuables like art or jewelry.
Infinity also does not publish any discounts on home insurance online. The specific discounts offered are determined by the underwriter. The most popular discounts for homeowners insurance are:
- Claims-free discount
- Anti-theft device discount
- Get a full discount when you pay in full
- AutoPay Discount
- New home discount
Infinity Life Insurance
Infinity’s home insurance is similar to its home insurance. Infinity offers life insurance policies through other companies. This means that Infinity does no underwrite the policies. Infinity customer service can help individuals who are looking for life insurance to get quotes and find out which companies offer life insurance through Infinity.
Types of coverage
Although Infinity doesn’t sell life insurance policies directly, it discloses that it offers term insurance which is available in terms of 10, 15, 20 and 30 years. To be approved, applicants will need to answer some basic questions about their health. However, they do not need to undergo a medical exam. The coverage begins on the same day that approval.
Recommendations or endorsements
Infinity does not provide information regarding endorsements or riders for life insurance. These would be determined likely by the non-affiliated insurer that underwrites your policy.
Infinity is a great choice because of these reasons
Infinity is an excellent option for drivers who are unable to get standard car insurance through a regular provider. This includes drivers with poor credit scores, multiple insurance claims, or drivers who have been involved in multiple at-fault accident.
The benefits stop there. Infinity doesn’t underwrite any of its home or life insurance policies so it is hard to judge how effective they are. Infinity doesn’t provide much information online about their insurance policies. Infinity is not the best choice for anyone who is purchasing insurance for the first-time and needs assistance in navigating the process.
The policy is only available in California. However, people who are interested in Infinity might consider Kemper Insurance policies.
Infinity also offers additional policies
Infinity Insurance offers several common insurance policies. Infinity Insurance sells these policies in addition to auto, home, and life insurance:
- ATV insurance
- Boat insurance
- Insurance for classic cars
- Insurance for businesses
- Renters insurance
- Condo insurance
- Mobile home insurance
- Flood insurance
Infinity reviews, ratings, customer satisfaction, and complaints
Infinity Insurance has only a handful of ratings and reviews. J.D. has not rated the company. J.D. Power has not rated the company, however, it does have an B- rating from AMBest which indicates its financial strength. Its complaint index of 7.0, however, is much higher than the average according to National Association of Insurance Commissioners’s (NAIC), Company Complaint Index.
Commonly asked questions
Which is the best auto insurer?
Every driver will have a different opinion on the best car insurance company. The Hartford, USAA, Geico and USAA are some of the most trusted providers. Before purchasing a policy, it is a smart idea to compare rates and speak with licensed agents.
Is Infinity able to sell SR-22 insurance certificates
Yes, Infinity sells SR-22 insurance certificates for high-risk drivers. Infinity will file an SR-22 on behalf of the driver with the state’s motor vehicles department (DMV).
Which is the best company for home insurance?
The best homeowners insurer will vary, just like auto insurance. While some companies offer low rates, others provide better customer service. Amica, USAA, Chubb, and MetLife are some of the most popular providers.