{"id":351057,"date":"2025-11-10T16:02:59","date_gmt":"2025-11-10T21:02:59","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=351057"},"modified":"2025-11-10T16:02:59","modified_gmt":"2025-11-10T21:02:59","slug":"infinity-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/infinity-review\/","title":{"rendered":"Infinity Car Insurance Review"},"content":{"rendered":" <\/span>\n \n\n\n

Infinity operates as Kemper\u2019s nonstandard auto brand focused on higher-risk drivers (e.g., SR-22 filings, recent violations, limited prior insurance). Public materials and recent third-party reviews indicate new personal auto business is concentrated in California, Florida, and Texas, aligning with Kemper Auto\u2019s geographic focus (Kemper 2024 Form 10-K<\/a>; NerdWallet review<\/a>). Customer experience signals remain mixed: Kemper (the group that includes Infinity) is not highlighted among top performers in J.D. Power\u2019s 2024 U.S. Auto Insurance Study<\/a> or its 2024 claims study, and recent NAIC Consumer Complaint Index<\/a> results for Kemper\/Infinity entities run above the 1.00 market baseline, indicating more complaints than expected for private-passenger auto. Kemper\u2019s 2023 strategic exit of preferred home and auto also underscores a tighter focus on specialty\/nonstandard auto and may affect service dynamics during transitions (Kemper press release<\/a>).<\/p>\n\n\n\n\n \n

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Pros<\/strong><\/td>Cons<\/strong><\/td><\/tr>
Nonstandard\/SR-22 expertise; bilingual online\/agent support; roadside benefits via DriverClub; policies backed by Kemper P&C subsidiaries rated A- (Excellent) by AM Best (see Kemper 2024 Form 10-K<\/a>)<\/td>Higher-than-average regulatory complaints (NAIC complaint indices above 1.00 baseline for Kemper\/Infinity entities); not a top performer in 2024 J.D. Power<\/a> public rankings; limited new-business availability (primarily CA, FL, TX)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n <\/span>\n \n\n\n

The Auto Insurance Factors We Analyzed<\/h2>\n\n\n\n

Pricing<\/h3>\n\n\n\n

Insurance premiums will vary based on factors you can\u2019t control, such as state-required coverage, marital status, driver\u2019s age and gender, driving and claims history, and neighborhood construction. Other things that may be in your control, such as location, type of vehicle, and current driving record, will also influence your insurance premiums<\/a>. Across the market, premiums climbed sharply in 2024 as the motor vehicle insurance component of CPI ran roughly +19% to +20% year over year (BLS CPI<\/a>).<\/p>\n\n\n\n

An Infinity online quote<\/a> reflects your exact profile and state program, but current national benchmarks provide context: major 2024 studies estimate average full-coverage premiums around $2,100\u2013$2,200 (NerdWallet<\/a>) to $2,500\u2013$2,600 (Bankrate<\/a>) annually for a good driver, while minimum-liability averages commonly fall near $650\u2013$800. Actual rates vary widely by age, state, vehicle, credit (where allowed), and recent violations.<\/p>\n\n\n\n

Customer experience<\/h3>\n\n\n\n

Infinity\u2019s experience is captured under Kemper in third-party research. Kemper appears in J.D. Power\u2019s 2020 Auto Insurance Study<\/a> and in the latest 2024 U.S. Auto Insurance Study<\/a>, but public releases emphasize top-ranked carriers by region and do not publish Kemper\u2019s exact score; Kemper is not cited among top performers. On complaints, the NAIC Consumer Complaint Index<\/a> normalizes the market to 1.00; recent private-passenger auto indices for Kemper\/Infinity legal entities (e.g., Infinity Insurance Company; Infinity County Mutual Insurance Company) are above 1.00 in the most recent year posted, indicating more complaints than expected. Infinity\u2019s online platform<\/a> offers bilingual support and access via phone or chat.<\/p>\n\n\n\n

Coverage<\/h3>\n\n\n\n

Infinity auto insurance is currently marketed primarily in three states\u2014California, Florida, and Texas\u2014consistent with Kemper Auto\u2019s concentration in these markets (California<\/a>; Florida<\/a>; Texas<\/a>). Core options include state-required liability, optional collision and comprehensive, uninsured\/underinsured motorist, and medical payments or PIP where applicable (Florida is a no-fault\/PIP state; Texas offers MedPay\/PIP options). You can customize deductibles and limits, and add common extras like rental reimbursement and roadside assistance.<\/p>\n\n\n\n

How much liability coverage you need<\/a> depends on your assets and risk tolerance. Bundling and some discounts may vary by state and program. If you\u2019re a high-risk driver outside the historical availability states<\/a>, consider alternatives: Progressive Insurance<\/a> offers the Snapshot telematics program (Progressive Snapshot overview<\/a>); nonstandard specialists like Dairyland and Bristol West are also frequently quoted for SR-22 and limited prior coverage needs (Bankrate comparisons<\/a>).<\/p>\n\n\n\n

Deals, discounts, and add-ons<\/h3>\n\n\n\n

Infinity advertises common savings such as homeowner, multi-vehicle, safe-driver, pay-in-full, and switch-and-save\/prior-insurance discounts (state\/program specific). Customers also get free membership to the Infinity DriverClub<\/a>, a 24\/7 roadside assistance program with pay-as-you-need services. Availability and discount amounts vary by state and underwriting company; confirm details during your quote.<\/p>\n\n\n <\/span>\n \n\n\n

Infinity Overview: Financial Strength, Availability, and History<\/h2>\n\n\n\n

Infinity\u2019s personal auto business operates within Kemper Auto\u2019s nonstandard segment. Policies are issued by Kemper property & casualty subsidiaries that carry an AM Best Financial Strength Rating of A- (Excellent), as disclosed in Kemper\u2019s Form 10-K for the year ended Dec. 31, 2024<\/a>. Key legal entities associated with Infinity-branded policies include Infinity Insurance Company and Infinity County Mutual Insurance Company (TX). Although Infinity Insurance doesn\u2019t appear on YouGov, the BBB maintains pages for Infinity\/Kemper entities; see the current letter grade and complaint counts on the company\u2019s profile (A- rating<\/a>; complaint details<\/a>). NAIC\u2019s Consumer Complaint Index<\/a> further indicates above-average complaint levels for Kemper\/Infinity entities in private-passenger auto relative to the 1.00 market baseline.<\/p>\n\n\n\n