Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 28, 2022

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Just the Basics

  • Infinity Insurance provides at-risk drivers affordable options for car insurance, including SR-22 insurance and roadside assistance
  • Drivers can get discounts on their car insurance through Infinity, though not every state has the same available options
  • Infinity became a subsidiary of Kemper Corporation which is licensed in all 50 states, in 2018

Finding car insurance that meets your needs while staying within your budget can be overwhelming. We’re here to help, providing you with the information and tools that make it easier for you to choose a policy that’s right for you. In this article, we give you an in-depth review of Infinity Insurance auto coverage to help you decide if this company offers the products and services you desire.

Infinity opened its doors in 2002, but Kemper Corporation bought out the company in 2018. Infinity is now a subsidiary of Kemper, except in California, where it still operates independently. Here’s everything you need to know about what types of coverage you can get, available discounts, and the process for filing a claim.

Infinity Insurance Car Insurance Coverage

This company offers insurance coverage at affordable rates to high-risk customers. It gives drivers the option to purchase a policy that meets the state’s minimum coverage requirements. They may also choose between three standard coverage options or create an individualized plan that meets their needs and budget. Infinity Insurance Company offers standard auto insurance coverage that includes:

  • Liability protection: Pays for personal injury and property damage to others when you are at fault in an accident
  • Collision: Pays for damages to your vehicle when you cause an accident or hit an object or animal
  • Comprehensive: Pays for vehicle damage from theft, vandalism, wind, hail, and other non-accident causes
  • Uninsured motorist: Pays for your medical expenses if an underinsured or uninsured driver is at fault in an accident

Infinity auto insurance works with drivers who need an SR-22. Companies provide an SR-22 form for customers who need it to prove they have coverage. Often, states require this form for those who have a reckless driver or DUI conviction, were convicted for not having insurance, or did not pay damages in an accident they caused.

The company also offers its customers free membership to its roadside assistance program. The DriverClub® provides roadside assistance 24/7. Joining the program doesn’t cost, but you pay for the assistance you need, as you need it. One unique aspect of this program is that anyone can join, even if they don’t have insurance through the company.

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Discounts Available with Infinity Insurance

Car insurance can put a significant dent in your budget. At-risk drivers may find fewer options or higher rates for coverage. No matter your situation, shopping around can help you find the coverage you need at the best available rates. Fortunately, there are several ways you can reduce the cost of auto insurance.

One step every driver should take is to investigate available discounts from each company. Even if you don’t qualify for all discounts, you can save a significant amount of money on your insurance if you can take advantage of any of them. Infinity auto offers the following discounts for its customers:

  • Vehicle safety. If your car has anti-theft devices, airbags, and anti-lock brakes, you can get a discount on your rates
  • Safe driver. You get a reduced rate if you have had a clean driving record for at least 35 months
  • Good student. Drivers who are full-time students and maintain a “B” average qualify for a discount
  • Mature drivers course. Drivers who are over 55 and take a driver’s improvement course are eligible for a discount
  • Multi-car. When you insure more than one car with Infinity insurance, you can get a break on your rates
  • Bundled policies. When you get your auto and home insurance through Infinity, you get a discount on your rates
  • Paid-in-full. If you can pay for the total amount of your insurance upfront, you pay less than when you make monthly payments
  • Paperless. Take care of all your insurance needs online — including receiving your bills and filing a claim — and save money on your insurance
  • Loyalty. Customers who renew their policies with Infinity auto insurance receive a discount

It’s important to note that not all states offer the same discounts. When you search for coverage in your state, you may not see every discount on this list.

What states does Infinity Insurance offer coverage in?

Infinity Insurance as an independent company is only offered in California, though its headquarters are in Birmingham, AL. As a subsidiary of Kemper Corporation, Infinity auto insurance is licensed to operate in the remaining 49 states and the District of Columbia. As a whole, the corporation services more than 6.6 million policies across the U.S.

Infinity isn’t a member of the Better Business Bureau. The BBB gives it a B rating, but customers on the site give it a 1.04/5 rating. Customers most often cite issues with customer service, which is an important consideration when looking for car insurance. Infinity Insurance is financially stable, as A.M. Best gives it an A for its credit rating.

How To File an Auto Claim with Infinity Insurance

If you need to file a claim with this company, you have multiple options, but they are all serviced through Kemper. You can contact the claims department by phone to file, or you can use their online claims portal. Kemper also has an app available for Google and Apple products, allowing you to submit your claim right from your device.

If you need to file, the company requires several pieces of information from you to complete the claims process. Before you begin, you will need:

  • The name of the policyholder
  • The policy number
  • Information about the insured vehicle, including license plate and vehicle identification numbers
  • Incident date and time
  • Details about the incident, injuries, damages, and police report

Once you file, you can check on your claim using any of the three filing options. However, when using the app, it’s important to note that Apple and Google customers alike report having problems with the product.

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Does Infinity Insurance offer any other types of insurance?

Infinity has a few additional products you can choose from if you need other types of insurance. In addition to personal auto insurance, the company offers the following insurance products:

  • Motorcycle
  • Homeowners
  • Renters
  • Commercial general liability
  • Commercial auto
  • Commercial property
  • Business owner’s policy
  • Professional liability
  • Worker’s compensation
  • Inland marine
  • Key-person life
  • Home-based business
  • Business interruption

Customers who want to bundle their personal insurance policies to lower their rates can purchase their auto and home policies through Infinity. Infinity auto’s parent company, Kemper, offers a wide range of insurance products, including coverage for recreation vehicles, boats, personal valuables, personal umbrella, and health insurance.

Does Infinity Insurance offer the right coverage for you?

It can be hard to find car insurance that offers the coverage you need and fits within your budget, but comparing companies and taking advantage of car insurance discounts can significantly reduce your rates. Now that you know more about Infinity, you can see how this company compares to other insurance companies.