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Last updated: January 9, 2026
Infinity Car Insurance Pricing 2026
Learn what you can expect to pay with this nonstandard insurer for high-risk drivers.
Editor's Rating:
2.9/5
2.9/5Get quotes from providers in your area
Questions? Call us: 844-966-4864
Infinity is one of the largest insurers of nonstandard auto insurance for high-risk drivers, and is an independently operated subsidiary of Kemper Insurance. Like other nonstandard insurers, its average premiums are higher than the national average. If you’re someone with low credit, or a driver with accidents, DUIs, or speeding tickets, you’d fit the profile of Infinity’s target customer.
We’ve broken down everything you need to know about Infinity’s pricing, discounts, key features, and more. Before proceeding, make sure Infinity is available in your state as it sells policies in only ten states, most prominently California.
Infinity Car Insurance Rates
In general, Infinity’s rates are moderately higher than the national average for both full and minimum coverage.
| Annual average | Full coverage | Minimum coverage |
|---|---|---|
| Infinity | $2,511 | $826 |
| National average | $2,356 | $722 |
However, Infinity’s rates are competitive compared to those of insurers also specializing in high-risk drivers. Below, we collected data on other nonstandard insurers and found most on our list offer a full coverage rate between $2,900 to $4,900 annually. Compared to that, Infinity’s full coverage rate of $2,511 is markedly cheaper.
| Nonstandard insurer | Average annual premium | Average monthly premium |
|---|---|---|
| National General | $2,210 | $184 |
| The General | $2,385 | $199 |
| Infinity | $2,511 | $209 |
| Gainsco | $2,926 | $244 |
| Good2Go | $2,964 | $247 |
| Direct | $3,162 | $264 |
| Foremost | $3,226 | $269 |
| Bristol West | $3,487 | $291 |
| Dairyland | $4,851 | $404 |
Exact rates will vary by state, as Infinity operates under different Kemper-affiliated brands in different states. Rates also vary by coverage type and personal details like age, driving history, and zip code. We recommend using our pricing data as a starting point and getting a quote to verify your rate.
TIP
Compare quotes from at least three different auto insurers before deciding on a policy, to ensure you’re getting the best rates.
Car Insurance Discounts with Infinity
Infinity has a number of discounts to help drivers save on their annual premiums. These are the ones explicitly listed on its website:
| Discount type | Discount qualification |
|---|---|
| Multi-car | If you insure more than one car with Infinity under the same policy. |
| Good student | If you or a driver on your policy are a full-time student who maintains good grades. |
| Pay in full | If you pay your policy in full annually instead of monthly. |
| Proof of prior coverage | If you had another car insurance policy prior to switching to Infinity. |
| Mature drivers | If you are 55 or older (may require getting connected to an Infinity-affiliated insurer) |
| Telematics (usage-based) | If you use a telematics app to monitor your driving habits and are a safe driver. |
GOOD TO KNOW
Infinitiny does not make its full list of discounts available. Contact an Infinity agent 1-844-995-4822 to learn which other discounts you may be eligible for.
Favorite Features
Commercial Auto Insurance
Infinity offers commercial auto coverage for small or midsize business owners or independent contractors who use their vehicles for work. Some highlights:
- Coverage for cargo vans, pickups, utility trailers, cars used for delivery service, straight and flatbed trucks, and more
- Foreign licenses accepted as ID
- Multiple payment options, such as recurring payments
- Automatic coverage for eligible new hires
- Coverage for those with less-than-stellar driving history
Easy-To-Use Mobile App
Infinity customers can manage their policies through the mobile app of Infinity’s parent company, Kemper. Here’s what you can do in the Kemper app:
- Make payments
- Access claims
- Get customer support
- Access ID cards
- Request roadside assistance
- Submit claims information
- Locate company and agent information
Specialty Vehicle Coverage
Along with basic coverage options such as liability, comprehensive, and collision, Infinity offers specialty vehicle coverage for motorcycles and ATVs.
Services for Spanish Speakers
Infinity has Spanish-speaking agents and provides Spanish-language materials if desired. It also accepts foreign driver’s licenses or Matricula Consular IDs (identification for Mexican nationals residing outside of Mexico), or the equivalent form of ID for individuals from other Central or Latin American countries.
Where Is Infinity Available?
Infinity is available in the following states:
Infinity primarily writes policies in California. If you live in another state, Infinity’s parent company Kemper can insure you via another one of its family of auto insurance brands.
Cancellation Policy
You can cancel your policy with Infinity by calling 1-855-409-9381 or signing in to your account in the online portal. Arrange for your cancellation to take place immediately or on a future date of your choosing.
Before you reach out to Infinity, make sure you have your policy number, your contact information, and the date you would like your policy to end.
Before you cancel, ask your agent if there are any fees or if you are eligible for a refund. You may receive a refund for your premium if you cancel before your renewal date.
Company Background
- 1955: Infinity was founded in Anniston, Alabama, as Dixie Insurance Co.
- 1978: Dixie Insurance Co. changed its name to Infinity.
- 1991: American Premier Underwriters bought Infinity.
- 1995: American Premier Underwriters joined with American Financial Corp. to become American Financial Group (AFG).
- 2002: AFG transferred all common stock of Infinity and its sister companies to Infinity Property & Casualty Corp. (IPCC).
- 2003: IPCC became a publicly traded company with a listing on the Nasdaq Stock Market.
- 2018: Kemper Insurance acquired Infinity.
Infinity Contact Information
Depending on your inquiry, you can reach Infinity by phone, email, mail, or online. Infinity offers bilingual services with Spanish-speaking agents and Spanish-language materials.
Customer service:
Call 1-800-690-3818
Monday to Friday – 8 a.m. to 6 p.m. local time
Saturday – 8:30 a.m. to 3 p.m. local time
www.infinityauto.com/contact-infinity
Quote:
Phone: 1-855-478-3705
Monday to Friday – 8 a.m. to 10 p.m. CT
Saturday – 8 a.m. to 5 p.m. CT
www.infinityauto.com/auto-insurance
Claims:
Call 1-800-463-4648, 24/7
www.kemper.com/claims/report-a-claim
Commercial auto:
Call 1-800-722-3391
Monday to Friday – 8 a.m to 10 p.m. CT
Saturday – 8 a.m. to 5 p.m. CT
Mailing address:
900 East Laurel Ave
Suite 100
McAllen, TX 78501
Conclusion
Infinity caters to high-risk drivers seeking coverage and offers competitive average rates compared to other nonstandard auto insurers. It’s available in ten states and provides a number of specialized services, including commercial vehicle coverage, SR-22 filings, bilingual services, and more. For a more detailed assessment, take a look at our full Infinity car insurance review.
Frequently Asked Questions
Yes, Infinity insurance has been operating since 1955 and is owned by Kemper Insurance. It has an A- rating (Excellent) from AM Best, meaning it has a strong ability to fulfill claims due to its financial standing.1 The provider also holds other third-party ratings from well-known companies like the National Association of Insurance Commissioners.
Infinity caters to high-risk drivers, who insurers see as more likely to file a claim. Like other nonstandard insurers, Infinity’s premiums are higher to ensure they can fulfill any claims payouts across its customer base. However, as of 2026, its average premiums are competitive compared to those of other nonstandard insurers. If you’re interested in an exact rate, get a quote to verify.
No, Infinity does not offer accident forgiveness. Your rates with Infinity are likely to increase after an at-fault accident.
Yes, Infinity can provide you with an SR-22. To receive this certificate of financial responsibility, you will need to speak with an agent by calling 1-855-478-3705. Learn more about SR-22s and if you need one.
No, Infinity does not sell insurance for drivers using rideshare services such as Uber and Lyft. Bristol West is a high-risk provider that sells rideshare coverage.
Citations
Infinity Insurance Company AM Best. (2025).
https://ratings.ambest.com/CompanyProfile.aspx
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