Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 5, 2020

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Infinity is an auto insurance company which also offers a variety of different insurance products (including commercial insurance, homeowner’s insurance, boat insurance, and more) to drivers within the states of Texas, California, Florida, and Arizona. The company itself sells their products through a network of independent agents. They specialize in helping those who may have some blemishes on their driving record and, because of this history, have a hard time finding affordable coverage.

Infinity Insurance Review

As far as the company’s financial strength is concerned, they are fairly strong in that category according to ratings agency AM Best. They have earned an A rating, which means that they are considered “stable”. Their customer service reviews, however, are less than stellar. They have less than 2 stars on Credit Karma, a high NAIC complaint ratio, and although the BBB has given them an A rating, it includes over 450 complaints that have been filed against them in the last 5 years.

Ratings AgencyRating
A.M. Best (2016)A
NAIC Complaint Ratio2.73
Better Business Bureau (2016)A
Credit Karma Customer Reviews1.3/5 Stars

Infinity Insurance Discounts

Keep in mind when you take a look at the table below that the four states Infinity operates in are all very different from one another. Because of this, laws will vary from one state to the next. Not all discounts may be available in all areas, and the discounts that are available might not be the same that you see here:

Discount Type*Maximum % Savings
Advanced Quoteup to 2%
EFTup to 2%
Homeownersup to 5 – 10%
Mobile Homeownersup to 4 – 5%
Multi-Carup to 38%
Paid-In-Fullup to 15%
Switch & Saveup to 15%

Additionally, unlike some of their competitors, Infinity charges a laundry list of fees depending on your situation. The following fees can cost anywhere from $9-$25 per fee, and if you get hit with more than one, that extra expense can add up fast:

  • Installment Fee (Semi-Annual)
  • Annual Installment Fee
  • Late Fee
  • NSF Fee
  • Rewrite Fee
  • Reinstatement Fee
  • Installment Fees – EFT
  • SR22 Fee
  • Processing Fee

Infinity Auto Insurance Options

Infinity sells three different types of coverage packages: Economy, Standard, and Deluxe. In the chart below, you can get a sense of what each policy entails, and whether or not it can meet your needs. It can also help you have questions prepared if you need any of the details below to be clarified by an Infinity agent:

FeatureCovered PersonLiability CoveragePhysical Damage Coverage (when applicable)Additional or Replacement Vehicle
EconomyNamed insured and their spouseOnly the insured vehicle(s)Total costs of repairs made at an RSVP auto repair shop20 days automatic liability & physical damage coverage
StandardNamed insured and their spouse, residents, relatives, non-resident driversNon-owned, rental, and temporary substitute vehiclesRental vehicle used a temporary substitute for a covered vehicle30 days automatic liability & physical damage coverage
DeluxeNamed insured and their spouse, residents, relatives, non-resident drivers using the covered vehicle with the named insured’s permissionNon-owned, rental, and temporary substitute vehiclesNon-owned, rental, and temporary substitute vehicles30 days automatic liability & physical damage coverage

Comparing Infinity Insurance Quotes

Getting multiple quotes from several companies is important when you’re looking for insurance coverage. Another important detail, though, is being able to examine how your insurance company determines rates for different types of risk:

Auto Insurance Quote Comparison Legend: Infinity Single Renter Young Driver Married Homeowners Senior Couple Poor Credit Driving Violations 50 100 150 200 250 $78 $209 $106 $116 $299 $150

The chart above is interesting for an insurance company whose business model is designed to provide “high-risk” drivers with affordable coverage. The cheapest rates are going to older, married homeowners who have good credit and little or no accident history. To be fair, though, someone with serious accident violations is still getting lower rates than young drivers and motorists with poor credit.

Pros and Cons of Infinity Insurance

Provides non-standard insurance to those who need itOnly underwrites insurance policies in a few states
Tiered policy options give drivers affordable choicesSeems difficult for customers to get the company to pay out on claims
Infinity Driver Club: an affordable nationwide roadside service programCharges several fees that most companies don’t charge for

The financial strength of Infinity, along with their simple coverage options, self-professed dedication to their customers, and a nationwide roadside assistance program which they make available to all their auto customers for free. However, they do have a rocky history as far as unhappy customer complaints go. And while some high-risk drivers can find savings with Infinity (specifically, drivers with several tickets or serious accidents in their past), other “high-risk” groups – such as younger motorists and drivers with poor credit scores – could still end up paying some pretty high monthly premiums.

Infinity Company Headquarters
3700 Colonnade Parkway
Birmingham, AL 35243