Is Infinity Auto Insurance Good?
Last Updated on January 9, 2026
Infinity is best known as an auto insurance brand associated with Kemper, often used for drivers who want straightforward coverage options and flexible payment setups. Whether it’s a good fit depends on the coverage you choose, your driving history, and how comfortable you are with a more “no-frills” insurer experience.
Below is what Infinity is, what it typically offers, and what to check before you buy a policy.
Our Rating of Infinity
2.8
out of 5
★★★☆☆
Summary
Bottom line: Infinity can work for drivers who need a practical, no-frills policy, but the experience may feel less polished than preferred carriers.
Infinity is an auto insurance brand associated with Kemper and is commonly positioned in the specialty/nonstandard market for drivers with tickets, accidents, lapses, or limited insurance history. Coverage options generally follow a familiar menu (from basic liability to full coverage with common add-ons), and the right fit depends on the limits and deductibles you choose, your driving profile, and how the company’s billing and claims process works in your state.
Best for
- Drivers who want straightforward coverage choices and payment flexibility
- People who may not qualify for preferred-market pricing due to driving history
- Shoppers comfortable comparing matched quotes and reading policy details closely
Not ideal for
- Drivers who want a premium, high-touch service experience
- Shoppers who expect identical features and digital tools in every state
- People who prefer a “preferred carrier” approach with broad perks and enhancements
- Our Rating of Infinity
- What Is Infinity Insurance?
- Infinity Insurance Products & Services
- How Does Infinity Auto Insurance Work?
- What Makes Infinity Auto Insurance Unique?
- Infinity Auto Insurance Discounts
- Infinity Insurance Reviews & Ratings: What Do Customers Have to Say?
- Final Word on Infinity Auto Insurance
- FAQs on Infinity Auto Insurance
What Is Infinity Insurance?
Infinity Property & Casualty Corporation is historically associated with Birmingham, Alabama, and Infinity operates under the broader Kemper family of companies. Today, Infinity is commonly positioned as part of Kemper’s auto insurance footprint, particularly in the specialty/nonstandard space (for drivers who may pay more due to tickets, accidents, lapses, or limited insurance history).
Infinity is a subsidiary of Kemper, a national insurance group headquartered in Chicago. Depending on your state and distribution channel, you may interact with Infinity as a carrier brand, an affiliated agency site, or both.
| Infinity Insurance Contact Information | |
|---|---|
| Mailing Address | Mailing details can vary by policy and state. Use the address listed on your declarations page or billing statement for official correspondence. |
| Phone Number | 1-800-782-1020 |
| customer.service@ipacc.com | |
| Website | https://www.infinityauto.com/ |
Infinity Insurance Products & Services
Infinity is primarily recognized for auto insurance, but availability of additional lines can vary by state. Here’s how its core offerings are commonly positioned:
| Product | What It’s For | What to Verify |
|---|---|---|
| Auto Insurance | Basic liability coverage up to full coverage, plus optional add-ons | Whether the quote is issued by an Infinity/Kemper carrier entity or placed through an affiliated agency, and what optional coverages are available in your state |
| Business Insurance | Coverage for business vehicles and liability needs | Whether you need a true commercial policy (see: commercial auto insurance) and what vehicle types are eligible |
| Homeowners / Property | Protection for your home, belongings, and liability (where offered) | Eligibility rules, deductibles, and whether bundling is available in your area |
Some Infinity channels also promote roadside assistance-style programs. If roadside protection is important to you, compare the cost and limitations against other options (see: roadside assistance program).
How Does Infinity Auto Insurance Work?
Infinity auto insurance works like most standard car insurance: you choose liability limits to meet your state’s requirements and add optional coverages to protect your own vehicle. The biggest decision is usually whether you’re buying minimum liability coverage or a broader package like full coverage car insurance.
Common coverage options include:
| Coverage Type | What It Covers | Why It Matters |
|---|---|---|
| Liability | Injuries and property damage you cause to others (see: liability coverage) | Required in most states; higher limits help protect your assets |
| Bodily Injury Liability | Medical costs and related damages for others if you cause a crash | Often the most financially important limit on your policy (see: bodily injury) |
| Property Damage Liability | Repairs for the other driver’s car (and other property) if you’re at fault | Important if you drive in areas with newer/expensive vehicles (see: property damage liability coverage) |
| Comprehensive | Theft, vandalism, weather, animal hits, glass damage, and more | Helps protect your car outside of crashes (see: comprehensive) |
| Collision | Repairs for your vehicle after a crash (subject to deductible) | Commonly required if you finance or lease (see: collision coverage) |
| Uninsured / Underinsured Motorist | Protection if you’re hit by a driver with no insurance or too little insurance | Especially useful in higher-uninsured-driving areas (see: uninsured and underinsured motorist coverage) |
| Rideshare Coverage | Helps fill coverage gaps when driving for app-based platforms (where offered) | Personal policies often have exclusions without the right endorsement (see: Uber and Lyft drivers) |
| Classic / Collector Vehicle | Specialized coverage for classic cars (usually through dedicated programs) | Not all insurers write this; always confirm eligibility and usage rules (see: classic car insurance) |
Infinity also offers coverage for some business vehicles. If the vehicle is titled to a business or used primarily for business purposes, the correct solution is usually a commercial policy instead of a personal policy with add-ons.
What Makes Infinity Auto Insurance Unique?
Infinity doesn’t compete by trying to be “everything for everyone.” It’s generally positioned as a practical option for drivers who want coverage that meets legal and lender requirements—especially those who may not qualify for the lowest rates with preferred carriers.
| Feature | What It Means | What to Ask Before Buying |
|---|---|---|
| Kemper-Backed Brand | Infinity is part of the Kemper family of companies | Which company is underwriting your policy and who will handle your claim (see: some of its larger competitors) |
| Roadside Assistance Options | Some Infinity channels promote roadside-style programs | Is roadside assistance included, optional, or pay-per-use—and what towing limits apply |
| Digital Tools | Many insurers now offer apps for ID cards, billing, and claims updates | Whether your policy supports digital ID cards, text/email claim updates, and online payments in your state |
Quick tip: When comparing Infinity to other insurers, match the quote to the same liability limits and deductibles. A cheaper quote often comes from lower limits or a higher deductible—not necessarily better pricing.
Infinity Auto Insurance Discounts
Discounts vary by state and underwriting company, but Infinity commonly offers a familiar set of savings opportunities. Instead of focusing on “up to” percentages, confirm what applies to your exact quote and what proof is required.
| Discount | Typical Qualification | Related Details |
|---|---|---|
| Multi-Vehicle | Insuring more than one car on the same policy | Useful for households with multiple drivers (see: insure multiple vehicles) |
| Safe Driver | Fewer accidents/violations over a set period | Often tied to your motor vehicle report (see: safe driving discount) |
| Clean Record | No recent major violations or at-fault accidents | Rules vary by carrier and state (see: drivers with a clean record) |
| Paid-in-Full | Paying the policy term upfront instead of monthly | May reduce service fees (see: in full upfront) |
| Good Student | Students meeting GPA/academic requirements (where offered) | Eligibility and proof requirements vary (see: meets certain grade requirements) |
| Homeowner | Owning a home (even without bundling, in some cases) | Not available everywhere (see: if you own your own home) |
| Vehicle Safety Features | Factory-installed safety tech and anti-theft devices | Discounts may depend on VIN verification (see: safety features) |
| AAA Member | Active AAA membership (where offered) | May require verification (see: AAA members) |
Infinity Insurance Reviews & Ratings: What Do Customers Have to Say?
Infinity’s customer feedback online is often polarized. That’s common for insurers that write more specialty/nonstandard business, where customers may be dealing with complex billing situations, cancellations for missed payments, or coverage eligibility issues.
When evaluating Infinity, focus on these practical checkpoints:
- Claims accessibility: How do you file a claim, and what is the expected timeline for an adjuster contact?
- Payment flexibility: Are there installment fees, and what happens if you pay late?
- Repair process: Do they require estimates from certain shops or use preferred networks?
- Policy clarity: Are exclusions and deductibles explained clearly on the declarations page?
Final Word on Infinity Auto Insurance
Infinity can make sense for drivers who want a Kemper-backed option and need straightforward coverage—especially if they don’t qualify for the lowest rates with preferred insurers. However, it’s important to read the policy documents carefully, confirm billing rules, and understand how claims are handled in your state.
If you’re comparing Infinity to other insurers, pull at least a few quotes with the same limits and deductibles, then choose the option that balances price, coverage, and service expectations. For Kemper-related contact details and support channels, see Kemper customer service contact number.
