Infinity Insurance, a subsidiary of Kemper Insurance, is a nonstandard auto insurance provider that caters primarily to high-risk drivers who may struggle to find coverage elsewhere. This comprehensive review dives into the various aspects of Infinity Insurance, including customer reviews, pricing, claims handling, customer service, and more. This analysis will help you determine whether Infinity is the right insurance provider for your needs.

Company Overview

Infinity Insurance started as the Dixie Insurance Company in 1955 and has since expanded to offer auto, home, and business insurance primarily in California. The company focuses on high-risk drivers, offering customizable coverage options and support for Spanish-speaking customers. While Infinity has received mixed reviews, it remains a viable option for those who may not qualify for standard insurance policies.

Customer Reviews

Jerry conducted an extensive review of Infinity Insurance, surveying over 18,000 policyholders from all 50 states. Here are the key takeaways from the survey:

• Overall Rating: 3.5 out of 5
• Cost / Price: 3.5 out of 5
• Claim Experience: 3.5 out of 5
• Customer Service: 3.5 out of 5
• Renewal Experience: 3.5 out of 5

Overall, Infinity received a mixed bag of reviews, with many customers praising its affordability for high-risk drivers while others highlighted issues with customer service and claims handling.

Pricing and Discounts

Infinity's pricing structure is competitive, particularly for high-risk drivers. According to ValuePenguin, the average monthly premium for a clean driving record is $46, which is slightly above the California average. However, Infinity offers several discounts that can help reduce costs:

• Multicar Discount: Up to 38%
• Safe Driver Discount: Up to 25%
• Paid in Full Discount: Up to 15%
• New Customer Discount: Up to 15%
• Electronic Payment Discount
• Roadside Assistance Program: Available through the Infinity DriverClub

Claims Handling

Infinity's claims process has received mixed reviews. According to US News, Infinity customers often report challenges with the claims process, including delays and lack of communication. However, some customers have praised the efficiency of the claims handling, particularly in urgent situations.

Claims Process Steps

1. Report a Claim: Customers can file a claim online, via phone, or through the mobile app.
2. Claim Acknowledgment: Infinity acknowledges the claim within 15 days.
3. Claim Resolution: If accepted, the claim must be paid out within 30 days from the settlement date.

Customer Service

Customer service is a crucial factor when choosing an insurance provider. Infinity's customer service has received a 3.5 out of 5 rating, which is below the industry average of 4. Some customers have praised the service for its helpfulness and efficiency, while others have reported difficulties in getting timely responses.

Coverage Options

Infinity offers a range of coverage options to cater to different needs:

• Liability Insurance: Covers bodily injury and property damage in at-fault accidents.
• Uninsured/Underinsured Motorist Coverage: Protects against damages caused by drivers without adequate insurance.
• Collision Insurance: Covers damage to your car from collisions.
• Comprehensive Insurance: Covers non-collision-related damage, such as theft or natural disasters.
• Medical Payments Coverage: Covers medical expenses for you and your passengers.
• Rental Reimbursement: Covers the cost of renting a car while yours is being repaired.
• Rideshare Insurance: Provides coverage for rideshare drivers.

Additional Services

Infinity also offers several additional services:

• DriverClub: Provides 24/7 roadside assistance without a membership fee.
• SR-22 Assistance: Helps high-risk drivers file SR-22 forms to prove they have the required insurance coverage.

Customer Testimonials

Positive Reviews:

• "They are cheap enough that new drivers can finally be insured and protected." - Tiger
• "It’s been great the whole time I’ve been with them, good customer service and decent prices." - Juan

Negative Reviews:

• "They keep putting me down that I drive my car 23,000 miles a year when I only drive 2,300 miles or less a year." - Jamie
• "Did not even personally visit the site of the accident. Poor customer service." - Jon

Final Thoughts

Infinity Insurance is a solid option for high-risk drivers, offering affordable rates and customizable coverage. However, its limited availability and mixed reviews for customer service and claims handling may be a drawback for some. If you fall into the high-risk driver category and live in California, Infinity could be a good fit for your needs. Otherwise, it might be worth exploring other options.

Frequently Asked Questions:

Is Infinity a good insurance company?

Infinity is a good option for high-risk drivers, but it has mixed reviews for customer service and claims handling.

How much does Infinity insurance cost?

The average monthly premium for a clean driving record is $46, but rates can vary based on individual factors.

What discounts does Infinity offer?

Discounts include multicar, safe driver, paid in full, new customer, electronic payment, and more.

How do I file a claim with Infinity?

Claims can be filed online, via phone, or through the mobile app.

What coverage options does Infinity offer?

Coverage options include liability, uninsured/underinsured motorist, collision, comprehensive, medical payments, rental reimbursement, and rideshare insurance.