Infinity Insurance is headquartered in Birmingham, Alabama, and offers insurance across four states: Arizona, California, Florida, and Texas. It was founded in 1955 as Dixie Insurance Company. Infinity is known as a company that caters to high-risk drivers and people with spotty driving records.
Independent agents sell policies, and the company offers coverage for people who might have trouble getting insurance elsewhere. This mostly includes folks who’ve had past violations, DUIs or at-fault accidents.
For that reason, Infinity is a good choice for people who might struggle to otherwise obtain insurance. That said, Infinity has been dealt more than its fair share of complaints. The National Association of Insurance Commissioners received more than an average number of complaints against Infinity in 2019. Even so, the insurer offers many of the same auxiliary benefits that top-rated insurers do.
Back to the big problem with Infinity. Slow payment of claims and unresponsive customer service agents are unacceptable in today’s world. Some customers report having to wait as many as four weeks after an accident to have a claim paid, which required them to pay out of pocket for the expenses up front. Given that the company only operates in a few states, this is likely to be a non-issue for many, but we would recommend shopping for an insurer with a more stable reputation.
Unfortunately for Infinity, the people who tend to review its insurance products are the people who are least satisfied by those products. A sampling of the juiciest Better Business Bureau reviews includes:
Clearsurance.com offers reviews that average 2.1 stars out of 5, but there are a few positives in the pile:
It’s worth noting that the worst complaints against Infinity are from people who were involved in an accident with another driver who was insured by the company.
Infinity offers insurance products with a wide range of costs. Single male drivers in their early 30s can expect to pay around $950 for insurance, while a single male under the age of 20 might pay upwards of $2,500. Married couples have the best rates, by far, as a couple in their late 20s can expect to pay around $1,300.
Sample of annual rates for drivers with clean records:
|Company||Source A||Source B||Source C|
Here, it’s easy to see how Infinity can be more expensive in a variety of scenarios. Source A lists rates for a male driver with a clean driving record, Source B lists rates for a female in her 30s living in Houston, while Source C shows rates for a single male, age 31. In every situation, Infinity is the most expensive. This could be for a variety of reasons, and it’s important to understand that rates vary from place to place, but it pays to shop around.
Compare quotes from multiple providers to get a good deal.
Infinity does not list accident forgiveness in its documentation, and clearly states on its website that having an accident is grounds for the company to consider you a higher risk and to raise your rates. If you’re an Infinity customer, it’s best to stay out of trouble.
Yes. Infinity insurance offers discounts of up to 25 percent for drivers who maintain a good driving record.
The bottom line is that insurers don’t take too kindly to younger drivers in general. Infinity’s estimated rates for drivers under the age of 20, particularly male drivers, are astronomical, and could prove to be a real hardship for new drivers.
Yes, Infinity could be one of just a few insurers who step up to help you with your insurance needs after a DUI. Don’t expect to get discounts and don’t expect the red carpet rollout, but you should be able to get insurance.