Marissa Hayes

Insurance Writer & Expert

Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

Insurance Writer & Expert

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Mar 13, 2024

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In the insurance business, longevity is one of the deciding keys to choosing your provider. Infinity Auto Insurance has over 2,300 employees and assets worth $1.5 billion. They pride themselves on being able to cater to each customer and attend to their needs personally.

Their specialty is in personal insurance, and they reach out to customers via online recommendations, independent agents, and partnerships with other companies in the insurance industry.Infinity Auto Insurance also has special coverage for classic cars, exotic cars, and commercial vehicles.

However, to be eligible for classic or antique car coverage, the owner must show proof of a clean driving record and must meet the company’s annual mileage limits.

Also, the classic car must not be a daily car and should be in storage or display more than on the road.

Compare car insurance without the hassle.

Infinity Auto Full Coverage

Infinity Auto Insurance is a nonstandard insurance company with the same build-up coverage options as other service providers. However, their rates tend to be slightly higher and their license to operate is limited mainly to Texas, California, Arizona, and Florida and 3 other states. Their full coverage known as Premiere Policy or Deluxe coverage includes:

  • Roadside assistance known as the Infinity Driver Club
  • Coverage includes spouse, relatives, friends and non –resident drivers using the vehicle listed in the policy and having the owner’s permission
  • Rental reimbursement
  • Covers physical damage on temporary vehicle
  • 30 days automatic physical damage and liability on replacement vehicle
  • Repair Satisfaction Vehicle Program
  • Comprehensive
  • Collision

Read more: Arizona Auto Insurance (The Only Guide You’ll Ever Need)

Infinity Property & Casualty Corporation in Alabama, also known as Infinity Auto Insurance, is an auto insurance provider. They focus on nonstandard car insurance and has well over 12,000 independent agents.

The company was established in 2002 after American Financial Group transferred their outstanding common stock to form the public Infinity Property & Casualty. The formal date when the company became public was more than a year later in February 2003 on the NASDAQ Stock Market.

Infinity offers 3 kinds of personal car insurance which is differentiated by the coverage amount. The Economy coverage barely meets the minimum requirements of each state.

It does not include rental reimbursement. The second kind is the Standard personal car insurance which allows for protection in cases of borrowed vehicles and rentals. (For more information, read our “Does my insurance cover a borrowed car?).

The company also allowed the policyholder to customize liability limits and first party deductible in order to meet his or her budget for car insurance.

The third kind of personal car insurance is called the Deluxe, which is the Standard coverage with custom equipment protection and rental reimbursement.

As for coverage for commercial vehicles, this is limited to small to medium-sized businesses and vehicles of up to 54,000 pounds only.

This coverage is also available in Texas, Florida, Arizona, California, Connecticut, Pennsylvania, and Georgia.

The company claims to be the third-largest nonstandard car insurance company and among the top 50 casualty insurance companies in the country.

Their closest competitors are Progressive, Geico, State Farm / All State, Nationwide, and USAA. From the years 2007 to 2008, Infinity Insurance was deemed the “most trusted insurance brands” among Hispanic Californians. The company also claims to be environment-friendly.

Infinity Discounts

With a primary focus on nonstandard car insurance, it can be expected that the affordability rating of Infinity for the average car owner would be a little high – and at a 3.8/5 credit rating, this appears to be spot on. Nonstandard car insurance refers to those with special cases such as antique collectibles, those with a poor driving record, prior DUI, required to buy SR22 insurance, or those young and inexperienced.

Thus, being eligible for discounts will help bring the rate down. Infinity Auto Insurance offers the following discounts: safe driver (up to 25%), lump sum payment (up to 15%), and multi vehicle bundling (up to 38%).

There are other discounts, but the exact rate is unspecified, which implies that it would be up to the discretion of the agent. These discounts include defensive driving course, group membership, loyal customer, young driver training over and above the basic driving class, online billing, low mileage, anti theft, anti lock, safety features, and VIN etching.

Optional Coverage

Infinity Auto Insurance offers additional coverage for a fee. They are:

  • Roadside assistance 24/7, but only if you are a member of their Driver Club. Driver Club membership to the club is free, but you are charged a low additional fee for the service. This low-cost fee is based on a pay-as-you-go program, which means it is not a monthly fee.
  • Glass coverage but only for those with Comprehensive Coverage
  • Rental reimbursement of $25 to $30 daily and a maximum limit of $450 to $500 per incident
  • Upgrade of item coverage but this add-on is only allowed for those with Deluxe Coverage


Compared to top car insurance companies, Infinity Auto Insurance merits a very low score on customer experience with Credio at 1.7/5. In fact, the quality of their support services has been on the receiving end of many complaints. While it is relatively easy to sign up with an independent agent, any procedure after you start paying for your policy has a more than 30-70 chance of being snubbed.

The company itself has a sound financial foundation and respectable financial rating review agencies have awarded it a consistent A grade on this aspect alone. Customers are also happy when requesting changes in their policies as this is done with independent agents.

And the website is fairly well executed with enough basic information needed for most occasions. The company has a mobile – friendly app, although it could use some improvement in usability.

Like any company that relies heavily on independent agents, there is limited control over the actions and service of these agents. Thus, it is highly possible to be turned off by substandard representation.

Finally, all claims are processed over the phone and not through an independent agent. This can be inconvenient at times, although the company’s website has a tracking system to help you follow the process online.

According to the BBB, Infinity Auto Insurance is not BBB accredited but has been awarded a B rating. It has successfully resolved 129 cases in the past 12 months with a total of 296 complaints in the past 3 years. Most complaints have to do with communications with adjusters and repair issues.

The Bottom Line

Infinity Auto Insurance is a nonstandard auto insurance carrier licensed in all 50 states that markets its insurance products in Arizona, California, Florida, Texas, Georgia, Nevada, and Pennsylvania.  It also sells commercial auto insurance and classic car insurance for collectible vehicles.