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Infinity Car Insurance Review 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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Infinity Reviews
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47 customer reviews
Infinity Insurance is a Kemper company that offers home, auto, and business insurance to California drivers. 
Finding the right car insurance policy can be challenging. Thankfully Jerry, the car insurance comparison shopper, and trustworthy super app, can help streamline the process for you. As a licensed broker, Jerry has partnerships with over 55 of the country’s top insurance companies. Jerry can compare Infinity rates to dozens of other insurers within seconds.
Curious if Infinity is the right car insurance company for you? Keep reading to find out more about this popular auto insurance provider.

Infinity auto insurance overview

Infinity Insurance is only available in California
Infinity’s main focus is non-standard car insurance, which is intended for high-risk drivers who may have trouble buying car insurance from other providers due to a poor driving history or claims record.  
In addition to car insurance, Infinity offers home and business insurance to California residents. However, Infinity’s rates are more expensive on average. 
AM Best, a credit ranking agency that specializes in insurance, gives Infinity an A- rating for financial strength, which is considered excellent. This rating signifies that Infinity’s ability to pay claims is outstanding. You won’t be left in a lurch without the coverage you signed up for!
Now for the not-so-good: Infinity’s customer satisfaction leaves some room for improvement. There are many negative reviews on the company’s Better Business Bureau page indicating Infinity claims adjusters are difficult to get ahold of.
While Infinity was not included in J.D. Power’s 2022 Auto Insurance Study, its parent company, Kemper, ranked in the lower range for customer satisfaction. 

Infinity pros and cons

Provides coverage to high-risk drivers who may have been denied by other insurersHigher-than-average premiums
Coverage may be bought from one of three tiers of personalized individuallyLow customer service ratings
Online portal and mobile app make for easy policy managementAvailable in California only

Infinity claim resolution time

Per California law, Infinity must acknowledge a claim within 15 days of it being filed. If Infinity accepts the claim, then the claim must be paid out within 30 days from the date of the settlement. If a claim is rejected, the claims adjuster will contact all of the involved parties.

How to get Infinity car insurance quotes

If you’re curious how Infinity’s rates compare to some other leading car insurance companies like Progressive and Nationwide, give the Jerry app a try! The super app will provide you with quotes from over 55 of the country’s top providers in seconds. Just pick the policy you like best—and start saving! 


To file a claim with Infinity, call 1-800-INFINITY or report the claim on the company’s website
You’ll need to provide your Infinity policy number, a description of the incident, the damages, and the injuries, as well as the date and time of the incident.
Infinity may be a good car insurance option for high-risk drivers who are unable to purchase coverage from other insurers. In general, Infinity has higher rates than other providers and is more limited in its car insurance offerings. 
Infinity is only available in California; however, its parent company, Kemper, is available nationwide.
To contact Infinity, you can call 1-800-782-1020 or, if you’re an existing customer, you can log into your Infinity account. 
To compare Infinity car insurance quotes to other insurers, download the Jerry app or go to getjerry.com

Infinity car insurance cost

Infinity’s car insurance premiums are higher than most competitors’ rates. This may be because Infinity is a non-standard insurer that caters to high-risk drivers who are more likely to file a claim. 
Your Infinity rate will vary depending on your coverage limits. Take a look at the table below for a side-by-side cost comparison of minimum versus full coverage protection.

What factors does Infinity look at?

Each insurance company has a slightly different way of pricing policies. At Infinity, your monthly premium will depend on: 
  • Age: Young drivers pay much higher rates with Infinity than drivers over the age of 25. 
  • Traffic tickets: Serious violations like a DUI and even minor speeding citations will spike your insurance costs.
  • At-fault accidents: Causing an accident will negatively affect your monthly premium.
  • Coverage selections and deductibles: Opting for a higher coverage limit will increase your costs, but selecting a higher deductible can offset them.
  • How you pay (in full, online, etc): Infinity offers discounts for drivers who pay car insurance in full and online. 
  • ZIP code: Your ZIP code and your area’s crime rates, weather patterns, accident statistics, and more can impact your premium. 

Which Infinity customers get the best rates?

Compared to the national average, the customers who get the best rates at Infiniti are high-risk drivers who are unable to purchase coverage at other insurers due to poor driving history.
In general, Infinity policyholders pay more for coverage in just about every area. Infinity’s rates for young drivers, those with a DUI or speeding ticket conviction, or who were charged in an at-fault accident are higher than the national average.
Before Jerry
After Jerry
Clean Record$2,864$2,015
Seat Belt$4,193$3,197
Leaving scene of an Accident/Hit and Run$4,078$2,646
Speeding over 15$4,027$2,783
Driving on Sus. License$3,949$2,840
Illegal Turn$3,842$2,495
Failure to Obey Traffic Sign$3,805$2,628
Careless Driving$3,718$2,642
Improper Passing$3,687$2,732
Open Container$3,478$2,575
Speeding under 15$3,385$2,337
Wrong Way/Wrong Lane$3,242$2,328
Defective Equipment$3,161$2,293
Cell Phone$1,938$1,109
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Infinity car insurance rates with violations

You may be labeled a “high-risk” driver if you’ve been convicted of a DUI—but even a minor speeding ticket is enough to spike your premium. 
The table below shows the average car insurance rates for Infinity customers with various violations. 
Driving InfractionAnnual Cost
Annual Savings With Jerry
Clean Record$2,015$849
Seat Belt$3,197$996
Leaving scene of an Accident/Hit and Run$2,646$1,431
Speeding over 15$2,783$1,244
Driving on Sus. License$2,840$1,108
Illegal Turn$2,495$1,346
Failure to Obey Traffic Sign$2,628$1,177
Careless Driving$2,642$1,076
Improper Passing$2,732$955
Open Container$2,575$903
Speeding under 15$2,337$1,048
Wrong Way/Wrong Lane$2,328$914
Defective Equipment$2,293$868
Cell Phone$1,109$829

Infinity car insurance cost with DUI

Infinity customers with a DUI conviction pay an average annual rate of -2.38% for car insurance. That’s an increase of -2.38% over the average rate without a DUI. 

Infinity car insurance cost with a speeding ticket

Infinity customers with a recent speeding ticket pay an average annual rate of 14.82% for car insurance. That’s an increase of 14.82% over the average rate without a ticket. Subsequent violations or speeding drastically above the speed limit can affect your premium even more.

Infinity car insurance rates by age

At Infinity, young drivers are considered riskier to insure and typically pay higher rates for car insurance. Check out the bar graph below to see what different age groups pay for coverage with Infinity.

Infinity car insurance cost for young drivers

Because they lack driving experience, young drivers are usually expensive to insure. That said, Infinity offers a good student discount for young drivers who make at least a B average in school. Good grades show that a young driver is responsible off the road and more likely to be responsible behind the wheel of a car.

Where is Infinity insurance the cheapest?

Infinity is only offered in California… so technically Infinity is the cheapest in California! 
West Virginia$1,205
New Mexico$1,239
South Dakota$1,279
North Carolina$1,350
New Hampshire$1,619
South Carolina$1,743
Rhode Island$1,853
District Of Columbia$2,065
New Jersey$2,066
New York$2,841
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Infinity car insurance discounts

Infinity offers 12 popular insurance discounts, which is less than some of its competitors. Infinity does not disclose the amounts of any discount.
Multi-car discountIf you have multiple vehicles on your policy, you’ll receive a discount.
Accident-free/Years clean discountIf you have a clean driving record or haven’t been in an accident in years, you’ll see lower rates.
Mature driver improvement course discountIf you take a driver improvement course, you’ll earn yourself a discount on your premium.
Good student discountYoung drivers with at least a B average in school, save on insurance.
Homeowner discountIf your home is insured through Infinity, you’ll receive a discount.
Safety features discountIf you buy a car with safety features or install anti-theft devices in your car, you’ll earn a discount.
AAA member discountIf you’re a AAA member, you’ll receive lower rates because Infinity knows your car will be taken care of in an emergency.
Renewal discountIf you renew your policy with Infinity, you’ll receive a discount.
Online quote discountIf you get a quote online, you’ll pay less.
Pay in full discountPaying your total annual bill upfront can earn you a discounted rate.
Paperless discountOpt to receive documents via email, and you may pay less.
Advanced quote discountIf you start shopping at least six days before your other insurance ends, you’ll receive a discount.

Infinity auto insurance coverage options:

Per California law, Infinity offers the following required types of coverage:
In addition to the state-required minimum car insurance, Infinity also offers: 
  • Collision insurance: This coverage pays for damage to your car caused by a collision, which may include another car, a safety rail, a tree, etc. 
  • Comprehensive insurance: This coverage pays for damage to your car that is not caused by a collision—such as a severe weather event, theft, or vandalism.
  • Medical payments (MedPay) coverage: Other states require this coverage, or personal injury protection (PIP), to cover medical expenses associated with accidents. 
  • Rental reimbursement: If your car is in the shop due to an accident or repair, this coverage will offset the cost of renting a car. 
  • Rideshare insurance: If you drive for a rideshare platform like Uber or Lyft, Infinity can help fill in the gaps to cover what your company doesn’t.
  • Roadside assistance: Also known as towing and labor coverage, Infinity’s DriverClub provides 24/7 service. More on it can be found below. 

Additional products from Infinity

Infinity also provides a couple of supplemental and specialty coverage options. Let’s dig into those.


DriverClub provides 24/7 roadside assistance, even if you’re a passenger in someone else’s car. The best part? Membership is free—you just pay for the service as needed.

Commercial Car Insurance

This type of coverage benefits individuals who use their personal vehicles for work, as well as businesses who want to purchase coverage for their company-owned vehicles. 

Infinity payment options

The fastest way to pay your Infinity insurance premium is to pay online or with the Infinity mobile app. 
  • Website: You can make payments, report a claim, and view or change your policy.
  • Mobile app: You can make payments, view ID cards, and access DriverClub assistance at any time.
Alternatively, you can call 1-800-782-1020 to talk to a customer service agent.

Key Takeaways

  • Infinity is a great option for high-risk drivers who have a hard time finding coverage.
  • Infinity offers DriverClub, a free 24/7 roadside assistance platform. 
  • Infinity’s car insurance rates are higher-than-average.
  • Infinity’s customer service ratings are lower-than-average.
  • Infinity does not offer accident forgiveness, so if you’re in an at-fault accident, you can expect your rate to increase by around 85 percent.

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