Infinity Insurance is a regional auto insurance company, not a type of coverage
Infinity Insurance is a private auto insurance company that operates in about 15 states, mostly in the Southeast and Midwest. It is not a special kind of insurance or a coverage type — it is one company among many that sells car insurance policies. If you have heard the name, it is likely because you saw an advertisement or someone recommended it to you as an option to compare when shopping for a rate.
The company is owned by National General Holdings, which also owns other insurance brands. Infinity focuses on drivers who have had accidents, traffic violations, or lapses in coverage — people who might pay higher rates elsewhere. That does not mean the rates are always lower; it means Infinity is willing to write policies for drivers other companies turn down or charge significantly more.
Like any insurance company, Infinity sells the standard types of auto coverage: liability (which pays for damage you cause to someone else), collision (which covers damage to your own car from a crash), comprehensive (which covers theft, weather, and other non-crash events), and uninsured motorist coverage (which protects you if hit by someone without insurance). The coverage itself works the same way no matter which company sells it to you.
Key Takeaways
- Infinity Insurance is a regional auto insurance company that operates in about 15 states, primarily in the Southeast and Midwest, and is not a type of coverage.
- The company specializes in insuring drivers with accidents, violations, or coverage gaps who may face higher rates or rejection from other insurers.
- Infinity offers standard auto insurance coverage types — liability, collision, comprehensive, and uninsured motorist — the same as any other insurance company.
- You can get a quote from Infinity online, by phone, or through an independent agent, and you should compare it to quotes from at least two other companies before deciding.
- Your rate depends on your driving history, age, location, the car you drive, and the coverage limits you choose, not on the company's name or reputation alone.
Which states Infinity Insurance operates in
Infinity is licensed to sell auto insurance in roughly 15 states. The list includes Alabama, Arizona, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, and Texas, though availability can change. Not every state is served equally — some states have more Infinity agents and online presence than others.
If you live outside these states, you cannot buy an Infinity policy. You would need to look at other regional or national insurers. The best way to know whether Infinity serves your state is to visit their website and enter your ZIP code, or call their customer service line to ask.
How Infinity's rates compare to other companies
Infinity does not automatically cost more or less than other insurers. Your rate depends on your driving record, age, location, the vehicle you drive, and the coverage limits you choose. Two people in the same state might get very different quotes from Infinity — one might find it cheaper than competitors, and another might find it more expensive.
Because Infinity specializes in drivers with accidents or violations, some people assume the rates are always high. That is not true. If you have a clean driving record, Infinity may quote you the same rate as a national company. If you have had an accident, Infinity might quote you less than a company that charges a steep surcharge for that accident. The only way to know is to get a quote and compare it to at least two other companies.
Rate shopping takes 15 to 30 minutes per company. You can get quotes online from Infinity, from competitors like State Farm, GEICO, Progressive, and Allstate, and from regional companies in your state. Write down the same coverage limits and deductibles for each quote so you are comparing the same thing.
How to get a quote from Infinity
You can request a quote from Infinity in three ways: online through their website, by phone at their customer service number, or through an independent insurance agent who represents multiple companies. Online quotes are usually the fastest — you enter your driver's license number, vehicle information, and desired coverage, and you get a quote in minutes.
By phone, a representative will walk you through the same questions and can answer questions about coverage types or discounts as you go. An independent agent can compare Infinity's quote to quotes from other companies they represent, which saves you time if you want to shop around without calling five different insurers.
Have your driver's license, vehicle registration, and current insurance information (if you have it) ready before you start. The process is faster if you know what coverage limits you want, though the representative or agent can explain the options if you are not sure.
Discounts and special programs Infinity offers
Infinity offers discounts similar to those at other insurance companies: bundling home and auto insurance, paying your premium in full upfront, maintaining continuous coverage without lapses, and completing a defensive driving course. Some states allow discounts for safety features on your vehicle or for low annual mileage.
Because Infinity focuses on drivers with driving history issues, the company also offers programs designed for that group. For example, some Infinity policies include a monitoring program where you can lower your rate by letting the company track your driving habits through a mobile app or a device plugged into your car. Safe driving over time can earn you a lower rate at renewal.
Discounts vary by state and by your individual situation. When you get a quote, ask the representative or agent which discounts you might be may be able to access for and how much each one saves.
What happens if you need to file a claim
If you have an accident or your car is damaged, you report it to Infinity through their website, mobile app, or by calling their claims line. You will need your policy number and details about what happened. Infinity will assign an adjuster who will contact you to schedule an inspection of your vehicle.
The adjuster will assess the damage and determine what your policy covers based on the coverage limits and deductible you chose. If your claim is approved, Infinity will either pay you directly or pay the repair shop, depending on how you set it up. The timeline from claim to payment usually ranges from a few days to a few weeks, depending on the complexity of the damage.
Keep records of everything related to your claim — photos of the damage, the police report if there was one, repair estimates, and all communication with Infinity. If you disagree with Infinity's decision, you can file a complaint with your state's insurance commissioner.
Frequently Asked Questions
Does Infinity Insurance cost more because I have a bad driving record?
Not necessarily. Infinity specializes in insuring drivers with accidents or violations, so they may quote you less than a company that charges a steep surcharge for your history. The only way to know is to get a quote from Infinity and compare it to at least two other companies with the same coverage limits.
Can I cancel my Infinity policy anytime?
Yes, you can cancel at any time, though your policy may have a cancellation fee depending on your state and when you cancel. Check your policy documents or call Infinity to ask about the fee before you cancel. If you are switching to another company, make sure your new policy starts before your Infinity policy ends so you do not have a gap in coverage.
What if Infinity denies my claim?
If Infinity denies your claim, you have the right to ask why and to review the decision. Request a written explanation of the denial and the specific policy language they are using. If you disagree, you can file a complaint with your state's insurance commissioner, who can investigate whether the denial was fair.
Does Infinity offer roadside information?
Infinity may offer roadside information as an add-on to your policy in some states, though it is not included in standard coverage. Ask about it when you get a quote or call your agent. Roadside information covers things like towing, lockouts, and fuel delivery if you run out of gas.
How often can my rate change with Infinity?
Your rate is typically reviewed at renewal, which happens every six or twelve months depending on your policy. Infinity can also adjust your rate if you have an accident, a violation, or a change in your driving status. Some discounts, like the safe driving monitoring program, can lower your rate before renewal if you meet the program's conditions.