Infinity Insurance Review

  • With 2.6/5 stars in 2024, Infinity is a below-average insurance company.
  • Read Infinity reviews, complaints and prices before you buy.
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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Infinity insurance: Ratings and reviews

2.6 100% filled Star icon 100% filled Star icon 60.00000000000001% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

Headquartered in Birmingham, Alabama, Infinity Insurance offers car insurance coverage in four states: CaliforniaArizonaTexas, and Florida, with renewal policies in three states: GeorgiaNevada, and Pennsylvania. The company relies on independent agents to sell policies and specializes in affordable non-standard car insurance to drivers who might have difficulty acquiring insurance elsewhere due to past violationsDUIs, or crashes.

Let's explore Infinity auto insurance, detailing coverage options, discounts, and claims satisfaction ratings to help determine if this auto insurance company could be a good option for your next policy.

100% filled Star icon 100% filled Star icon 60.00000000000001% filled Star icon 0% filled Star icon 0% filled Star icon
2.6 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Get a Quote at Infinity
Pros
  • Affordable rates for motorists with imperfect driving records

  • Mobile app

Cons
  • Only available in a few states

  • High number of customer complaints

  • Limited coverage options or discounts


Is Infinity a good insurance company?

The majority of The Zebra's review incorporates how well Infinity scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

Trustpilot Rating: 1.2/5

  • Infinity earned a 1.2/5 from the company's users[1]

Better Business Bureau Rating: 1/5

  • The BBB rated Infinity as 1/5 overall[2]

Complaint Index: Above average

  • The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Infinity[3]

Financial Strength: Excellent/Good

  • Infinity received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[4]

The Zebra Customer Satisfaction Survey

In addition to third-party ratings, we also incorporated the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. However, Infinity did not receive enough responses to be included in the overall findings.


How much does Infinity insurance cost?

Currently, the national average for a 6 month policy is $880, whereas Infinity is about $885 — roughly 1% in premium difference versus a typical policy.

The table below shows how Infinity auto insurance compares against other top insurers' monthly premiums.

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
USAA $114
Nationwide $123
GEICO $129
American Family $131
State Farm $131
Infinity $148
Farmers $149
Progressive $157
Allstate $201

As with any insurance company, pricing for Infinity car insurance varies based on age, generally getting cheaper the older you get.

The table below shows Infinity's car insurance premiums for different age brackets.

Infinity Costs by Age Group
Age Group Avg. Monthly Premium
Teens $577
20s $213
30s $148
40s $148
50s $148
60s $148

The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.

Discounts offered

Some standard auto insurance discounts are offered by Infinity, but not as many as most major insurance companies. Detailed below are some discounts you might qualify for.

  • Switch-and-save: Get up to 15% off if you switch to Infinity from a competing insurance company.
  • Multi-carInsure more than one car on the same insurance policy to see some savings.
  • Safe driver: A good driving record is rewarded with lower rates — up to 25% cheaper.
  • Pay in full: If you pay your premium in full, you may be eligible to get up to 15% off.

In addition to what's listed above, Infinity offers discounts for safety features such as airbags and anti-lock breaks as well as savings for going paperless, being accident-free and being a AAA member. View all of Infinity's discounts here.

Search, compare and buy all on one site. Start saving today!

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What types of coverage does Infinity offer?

Offering standard collision, comprehensive, liability, and uninsured/underinsured motorist coverage, Infinity Property & Casualty Corporation covers all the bases when it comes to car insurance. When acquiring an insurance quote, you can choose from several tiers of coverage with varying limits and options or build a customized coverage plan. Below are some extras included in Infinity's most comprehensive coverage tier.

  • Rental car coverage: A common feature of many car insurance policies, Infinity auto insurance will cover the cost of a rental car if your insured vehicle is out of commission while it's being repaired following a collision. It has a coverage limit of $20 a day and a maximum of $600 for all policyholders.
  • Towing and labor: Infinity car insurance will cover the cost of towing and labor up to $50 if your car ends up in the repair shop and you need the assistance of a towing company.
  • Infinity DriverClub®: This is Infinity's 24/7 roadside assistance program. Membership is free and you only pay for service when you need it. Drivers who are not Infinity policyholders can enroll in this service as well.

Read more about Infinity's coverages here.


Infinity insurance review: Summary

If you have an imperfect driving record and live in a state in which Infinity Insurance sells policies, it could be an affordable option for a no-frills car insurance policy. With low rates, Infinity could be appealing, whether you're looking to get your state's minimum limits of coverage or a more robust policy with rental car coverage and roadside assistance. However, you'll need to weigh Infinity's less-than-favorable customer service record against its excellent financial strength rating.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

Infinity insurance: Frequently asked questions

Infinity Insurance is only a good option for drivers with less-than-perfect records in the few states they operate. While they have a strong financial rating and relatively affordable rates for high-risk drivers, potential customers should consider their high customer complaint index and lack of coverage options or discounts.

Infinity does not automatically include rental reimbursement. You can add rental reimbursement to your Infinity insurance plan for a few dollars more each month.

Infiniti insurance has a 15-day grace period. If payment is not received by the due date, they will re-submit a payment request 15 days later. If your payment still does not process, Infiniti will cancel your insurance at midnight on the last day of the period of insurance that you paid them for.

While not rated by J.D. Power for claims satisfaction, Infinity received high ratings from A.M. Best for financial stability, which reflects an insurer's ability to meet obligations, including paying out claims.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.