What You Should Know About Infinity Auto Insurance in 2024

Infinity Auto is a large insurance company that specializes in non-standard insurance to high-risk drivers. It is the 12th largest company in the country, and is owned by Kemper Corporation.

If you have infractions on your driving record, multiple accidents, or need to carry a SR-22 certificate, then you have a good chance of qualifying for a policy with Infinity, even if you have had trouble getting auto insurance in the past.

In this article, you’ll learn about the most updated information about Infinity Auto Inusrance in 2022, including the products offered, financial strength, and customer service.

By the time you are finished reading, you will be informed on whether or not Infinity Auto Insurance is right for you.

You can also use our car insurance quote finder to compare rates in your area by entering in your ZIP code.

The Basics About Infinity Auto Insurance

Infinity was founded in 1955 as Dixie Insurance Company. Since then, it has changed hands several times and became known as Infinity Auto in 1978.

Infinity Auto is now owned by Kemper Corporastion, a massive insurance company. Kemper has close to $14.3 billion in assets and services approximately 6.2 million policies. Kemper offers auto, home, life, health, and valuables insurance. They sell their insurance policies on their website and through a network of over 30,000 insurance brokers.

Although Kemper Corporation sells insurance in all 50 states, you can only find Infinity Auto insurance in five states: Arizona, California, Florida, Georgia, and Texas.

Infinity specializes in bilingual customer support, and all the pages on their website are available in both Spanish and English. Their coverage primarily extends to Hispanic urban drivers in large cities like Los Angeles and Miami.

Infinity offers non-standard auto insurance coverage, and is one of the best auto insurance companies for high-risk drivers.

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Types of Policies Available Through Infinity Auto Insurance in 2022

With the backing of corporate giant Kemper, Infinity Auto provides a suite of insurance products, ranging from basic liability-only packages to commercial vehicle policies. Some standard insurance policies you can get from Infinity are:

• Body and property damage liability. This basic coverage pays for the cost of injury, death, and property damage from an at-fault accident. This basic coverage is required in most states.
• Collision coverage. This type of insurance covers the repair costs of traffic accidents, regardless of the fault. This coverage is usually required for vehicles in a lease or payment plan.
• Comprehensive coverage. This policy covers events that are out of your control such as theft, vandalism, and natural disasters. You will likely be required to hold this type of coverage if your vehicle is on lease or loan.

You can upgrade your policy by adding uninsured or underinsured motorist coverage, which protects you if you have an accident with a driver who has little to no car insurance.

Infinity Auto gives a free DriverClub® membership to all of their customers. This is a 24/7 roadside assistance program that is no-cost, but you pay for the services when you use them. It uses third-party towing companies that belong in a roadside assistance network.

Cost of Insurance Coverage

In 2022, the average annual cost of minimum liability coverage with Infinity is $549. This is more than Geico, but less than Mercury or Farmers.

Infinity’s full coverage policies are $1,709 per year which is much higher than Geico’s coverage at $1,380 per year and Mercury’s $1,487 coverage.

Infinity is not the cheapest insurance available, but it comes in lower than several of its large competitors.

Commercial Auto Insurance Coverage

Infinity offers commercial auto policies, which extends to vehicles used for business purposes. Commercial vehicle insurance usually has higher liability protection than personal policies, and has many advantages built into the policy, such as acceptance of foreign licensed drivers, increased discounts, and automatic coverage for newly hired employees.

Financial Strength of Infinity Auto

The financial integrity of an insurance company is highly important because it underscores whether or not they can pay the costs of an insurance claim. Insurance companies that struggle with their finances tend to have a reputation of being unable to cover their customer’s claims and frequently denying coverage.

According to A.M. Best Rating Services, Infinity Auto Insurance Company has a rating of “A” — or excellent — as of Feb. 2, 2022.

However, A.M. Best revised Kemper Corporation’s financial outlook to “negative” due to operating losses and significant earnings deterioration reported at the end of 2021.

Although this information is concerning, it has not affected their excellent rating yet. If you do open a policy with Infinity, it would be wise to keep track of this rating and make adjustments accordingly.

Infinity Auto Insurance Customer Reviews

Through an aggregate of reviews and ratings from numerous platforms, Infinity has an average of 2.7 stars, which is lower than the standard rating for auto insurance companies.

The main complaint is poor customer service, as several reviews noted that they do not offer 24/7 customer support, unlike other large competitors. Customers also report that Infinity is slow to pay out claims and settlements.

Many users report technical difficulties while using Infinity auto insurance app and website, and complain that there are very little features available. To pay your auto insurance premium, you can login to your Infinity auto insurance policy online.

Infinity does take the time to respond to practically every review where a customer had an unresolved issue, and provided contact information with instructions on how they would correct the problem.

National Association of Insurance Commissioners Complaint Index

Infinity has a fairly low complaint index score with the National Association of Insurance Commissioners, coming in at 1.40. This is only slightly higher than the national average of one.

In 2021, there were 14 formal complaints against Infinity Auto, a dramatic drop from the 110 complaints against them in 2019.

This drop in complaints is likely due to the company working aggressively on resolving its customer service issues and claims payment delays.

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Wrapping up About Infinity Auto Insurance in 2022

Infinity Auto Insurance specializes in non-standard coverage for drivers who have tickets, accidents, and a SR-22 on their record. They are a subsidiary of Kemper Corporation, and has the financial backing of this large insurance company.

Infinity is known for offering affordable rates to Hispanic urban communities, and offers bilingual customer support on their website and over the phone.

Although they are not the cheapest insurance on the block, they do offer affordable plans and are average in price among their competitors. They also offer competitive rates for high-risk drivers, including those needing car insurance after getting a DUI.

Even though they have an excellent financial strength rating, there are concerns over the negative financial outlook of the company.

The overwhelming amount of bad reviews and a low review score of 2.7 across many platforms also raises some red flags.

Overall, Infinity Auto Insurance could be a good choice for you if you are having difficulties obtaining car insurance from other companies.

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