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Infinity operates as Kemper’s nonstandard auto brand focused on higher-risk drivers (e.g., SR-22 filings, recent violations, limited prior insurance). Public materials and recent third-party reviews indicate new personal auto business is concentrated in California, Florida, and Texas, aligning with Kemper Auto’s geographic focus (Kemper 2024 Form 10-K; NerdWallet review). Customer experience signals remain mixed: Kemper (the group that includes Infinity) is not highlighted among top performers in J.D. Power’s 2024 U.S. Auto Insurance Study or its 2024 claims study, and recent NAIC Consumer Complaint Index results for Kemper/Infinity entities run above the 1.00 market baseline, indicating more complaints than expected for private-passenger auto. Kemper’s 2023 strategic exit of preferred home and auto also underscores a tighter focus on specialty/nonstandard auto and may affect service dynamics during transitions (Kemper press release).
| Pros | Cons |
| Nonstandard/SR-22 expertise; bilingual online/agent support; roadside benefits via DriverClub; policies backed by Kemper P&C subsidiaries rated A- (Excellent) by AM Best (see Kemper 2024 Form 10-K) | Higher-than-average regulatory complaints (NAIC complaint indices above 1.00 baseline for Kemper/Infinity entities); not a top performer in 2024 J.D. Power public rankings; limited new-business availability (primarily CA, FL, TX) |
The Auto Insurance Factors We Analyzed
Pricing
Insurance premiums will vary based on factors you can’t control, such as state-required coverage, marital status, driver’s age and gender, driving and claims history, and neighborhood construction. Other things that may be in your control, such as location, type of vehicle, and current driving record, will also influence your insurance premiums. Across the market, premiums climbed sharply in 2024 as the motor vehicle insurance component of CPI ran roughly +19% to +20% year over year (BLS CPI).
An Infinity online quote reflects your exact profile and state program, but current national benchmarks provide context: major 2024 studies estimate average full-coverage premiums around $2,100–$2,200 (NerdWallet) to $2,500–$2,600 (Bankrate) annually for a good driver, while minimum-liability averages commonly fall near $650–$800. Actual rates vary widely by age, state, vehicle, credit (where allowed), and recent violations.
Customer experience
Infinity’s experience is captured under Kemper in third-party research. Kemper appears in J.D. Power’s 2020 Auto Insurance Study and in the latest 2024 U.S. Auto Insurance Study, but public releases emphasize top-ranked carriers by region and do not publish Kemper’s exact score; Kemper is not cited among top performers. On complaints, the NAIC Consumer Complaint Index normalizes the market to 1.00; recent private-passenger auto indices for Kemper/Infinity legal entities (e.g., Infinity Insurance Company; Infinity County Mutual Insurance Company) are above 1.00 in the most recent year posted, indicating more complaints than expected. Infinity’s online platform offers bilingual support and access via phone or chat.
Coverage
Infinity auto insurance is currently marketed primarily in three states—California, Florida, and Texas—consistent with Kemper Auto’s concentration in these markets (California; Florida; Texas). Core options include state-required liability, optional collision and comprehensive, uninsured/underinsured motorist, and medical payments or PIP where applicable (Florida is a no-fault/PIP state; Texas offers MedPay/PIP options). You can customize deductibles and limits, and add common extras like rental reimbursement and roadside assistance.
How much liability coverage you need depends on your assets and risk tolerance. Bundling and some discounts may vary by state and program. If you’re a high-risk driver outside the historical availability states, consider alternatives: Progressive Insurance offers the Snapshot telematics program (Progressive Snapshot overview); nonstandard specialists like Dairyland and Bristol West are also frequently quoted for SR-22 and limited prior coverage needs (Bankrate comparisons).
Deals, discounts, and add-ons
Infinity advertises common savings such as homeowner, multi-vehicle, safe-driver, pay-in-full, and switch-and-save/prior-insurance discounts (state/program specific). Customers also get free membership to the Infinity DriverClub, a 24/7 roadside assistance program with pay-as-you-need services. Availability and discount amounts vary by state and underwriting company; confirm details during your quote.
Infinity Overview: Financial Strength, Availability, and History
Infinity’s personal auto business operates within Kemper Auto’s nonstandard segment. Policies are issued by Kemper property & casualty subsidiaries that carry an AM Best Financial Strength Rating of A- (Excellent), as disclosed in Kemper’s Form 10-K for the year ended Dec. 31, 2024. Key legal entities associated with Infinity-branded policies include Infinity Insurance Company and Infinity County Mutual Insurance Company (TX). Although Infinity Insurance doesn’t appear on YouGov, the BBB maintains pages for Infinity/Kemper entities; see the current letter grade and complaint counts on the company’s profile (A- rating; complaint details). NAIC’s Consumer Complaint Index further indicates above-average complaint levels for Kemper/Infinity entities in private-passenger auto relative to the 1.00 market baseline.
- In business since: Infinity Property & Casualty was acquired by Kemper in 2018 and now operates within Kemper Auto’s nonstandard segment (Kemper 2024 Form 10-K)
- States served (availability): 3 (California, Florida, Texas)
- Standout features: Nonstandard focus with SR-22 support, bilingual platform, DriverClub roadside assistance, and common discount options
The Bottom Line
Given industry-wide premium inflation in 2024 (+19% to +20% year over year on the CPI’s motor vehicle insurance index, per the BLS), shoppers should expect higher baseline prices. For Infinity (Kemper), recent public indicators show below-average satisfaction versus top carriers: not a top performer in J.D. Power’s 2024 studies and above-market complaint indices on the NAIC. If you need nonstandard coverage in CA, FL, or TX, it can be worth a quote—especially if you require SR-22—but compare rates and features broadly, including telematics options from competitors like Progressive Snapshot and nonstandard specialists such as Dairyland or Bristol West (Progressive Snapshot; Bankrate comparisons). Also benchmark Infinity’s rates with other providers before you buy.
Infinity FAQ
What other types of insurance does Infinity offer?
Infinity primarily focuses on nonstandard personal auto insurance within Kemper Auto. Other lines (home, renters, life) are not broadly marketed under the Infinity brand; availability of different products may vary through other Kemper affiliates and independent-agent partners. For current scope and entities, see Kemper’s 2024 Form 10-K and NerdWallet’s Kemper review.
How much car insurance do I need?
You must have the minimum state-required coverage. Additional coverage is optional, but you want enough to protect personal assets in the event of an accident. Get more information about car insurance levels here.
Where is Infinity auto insurance coverage available?
It’s available in California, Florida, and Texas via Infinity/Kemper Auto state pages: California, Florida, and Texas.
What does Infinity car insurance typically cover?
Typical options include liability (BI/PD), comprehensive and collision, uninsured/underinsured motorist, and MedPay or PIP where applicable. Add-ons often include roadside assistance and rental reimbursement; SR-22 filing support may be available for eligible high-risk drivers. Exact coverages, forms, and discounts vary by state and underwriting company.
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