Who Infinity Insurance Is and Where It Operates

Infinity Insurance Company is a regional auto insurance provider owned by National General Holdings Corp., a subsidiary of Berkshire Hathaway. The company was founded in 1987 and is headquartered in Jacksonville, Florida. Unlike national carriers that advertise heavily on television, Infinity operates in a smaller number of states with its own underwriting and customer service operations.

Infinity is licensed to write auto insurance in most states, though not all 50. Current states include Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. Availability can shift as the company expands or contracts operations. Before you spend time getting a quote, check Infinity's website or call their customer service line to confirm they write policies in your state and county.

Some insurers are licensed statewide but do not write in all counties, particularly in rural areas. Infinity's availability may also depend on your driving history and the type of vehicle you own.

Key Takeaways

  • Infinity Insurance is a regional auto insurer owned by Berkshire Hathaway subsidiary National General Holdings, operating in multiple states with a focus on auto coverage.
  • The company is available in most states but not all, so you need to check whether Infinity writes policies in your location before requesting a quote.
  • Infinity's underwriting approach and rate structure differ from national carriers, which means your quote from Infinity may be significantly higher or lower than quotes from larger competitors.
  • Customer service is available by phone and online, but Infinity does not operate the same 24/7 support infrastructure that some national carriers maintain.
  • You can obtain a quote directly from Infinity's website or through independent agents who represent the company in your state.

How Infinity's Underwriting and Rates Work

Infinity Insurance uses its own underwriting guidelines to assess risk and set rates. This means the company weighs factors like your driving record, age, vehicle type, and claims history differently than other insurers do. A driver who receives a high quote from a national carrier might find Infinity's rate significantly lower, or vice versa. There is no universal "cheapest" insurer — rates are individual to you and the company's risk model.

Infinity is known in the industry for writing policies for drivers with less-than-perfect driving records, including those with accidents, violations, or lapses in coverage. This does not mean the company ignores your history; it means Infinity's underwriting model may accept risk that other carriers decline. If you have been turned down by other insurers or received very high quotes, Infinity may be worth checking.

The company also offers discounts for bundling auto and home insurance, completing a defensive driving course, maintaining continuous coverage, and setting up automatic payments. The size of these discounts varies and is not standardized across all states.

Getting a Quote and Comparing Coverage Options

You can obtain a quote from Infinity in two ways: directly through their website or by phone with a representative. The online quote tool asks for your driver's license number, vehicle information, and current coverage details. Most quotes are generated within minutes, though some situations require a representative to review your information before providing a final rate.

When you request a quote, you will be asked to select coverage limits and deductibles. Infinity offers standard auto insurance products: liability coverage (which pays for damage you cause to others), collision (which covers damage to your own vehicle from a crash), comprehensive (which covers theft, weather, and other non-collision damage), and uninsured motorist protection. The company also offers add-ons like roadside information and rental car reimbursement.

Before you commit to a policy, compare Infinity's quote side-by-side with quotes from at least two other insurers. Use the same coverage limits across all quotes so you are comparing the same product. Many drivers find that rates vary by hundreds of dollars between carriers, so the comparison step is worth the time.

Customer Service and Claims Process

Infinity Insurance handles customer service and claims through phone representatives and an online account portal. You can reach customer service during business hours to ask questions about your policy, make changes to coverage, or report a claim. The company does not operate a 24/7 phone line in all states, so check the hours available in your location.

To file a claim, you can call Infinity's claims line or submit a claim through your online account. The company will assign an adjuster to your case, who will contact you to gather information about the incident. Infinity typically requires photos of damage, a police report (if applicable), and details about what happened. The claims process timeline varies depending on the complexity of the claim and whether the damage is repairable or the vehicle is a total loss.

Infinity's customer service ratings vary by state and year. Before you purchase, search for recent reviews from customers in your state to understand what others have experienced with claims handling and support responsiveness.

Infinity Insurance Versus National Carriers

The main difference between Infinity and national carriers like State Farm, Geico, or Progressive is scale and underwriting approach. National carriers operate in all states, maintain massive advertising budgets, and use standardized underwriting models across their entire customer base. Infinity operates in a smaller number of states, does less advertising, and may have more flexibility in underwriting decisions for drivers with non-standard profiles.

National carriers often have lower rates for drivers with clean records because they can spread risk across millions of policyholders. Infinity's smaller size means the company may charge more for low-risk drivers but less for higher-risk drivers. If you have a clean driving record, you may find cheaper rates elsewhere. If you have had accidents or violations, Infinity may be competitive.

National carriers also typically offer more digital tools, mobile apps, and 24/7 support. Infinity's technology and support infrastructure is less extensive, which may or may not matter depending on how you prefer to manage your insurance.

What to Know Before You Buy

Before you purchase a policy from Infinity, confirm that the company is licensed in your state and that you meet their underwriting requirements. Read the policy documents carefully to understand what is covered, what is excluded, and what your deductibles are. Make sure you understand the difference between liability limits (the maximum the company will pay for damage you cause) and your deductible (the amount you pay out of pocket before insurance kicks in).

Check whether Infinity offers the discounts you are may have access to to. Some discounts require you to take action — like completing a defensive driving course — so ask what is available and what the requirements are. Also confirm the payment options available in your state. Some insurers offer monthly payments, while others require quarterly or annual payment.

If you have questions about the policy before you buy, ask them before you complete the purchase. Once the policy is active, changes may be subject to different rules or fees depending on your state and the type of change.

Frequently Asked Questions

Is Infinity Insurance a legitimate company?

Yes. Infinity Insurance is licensed by state insurance regulators and is backed by Berkshire Hathaway through its National General Holdings subsidiary. You can verify the company's license status by checking your state's insurance commissioner website. The company has been operating since 1987 and maintains financial reserves required by law.

Why is Infinity's quote so much higher or lower than other insurers?

Each insurance company uses its own underwriting model to assess risk, which means the same driver receives different quotes from different insurers. Infinity may weight your driving history, vehicle type, or location differently than competitors. The only way to know if Infinity's rate is competitive is to compare quotes from multiple insurers using the same coverage limits.

Can I buy Infinity Insurance if I have had an accident or violation?

Infinity's underwriting approach is more flexible than some national carriers for drivers with accidents or violations. However, the company will still review your driving record and may decline coverage or charge a higher rate depending on the severity and recency of the incident. The only way to know is to request a quote.

How do I file a claim with Infinity?

You can file a claim by calling Infinity's claims line or submitting a claim through your online account portal. Have your policy number, driver's license, and details about the incident ready. An adjuster will contact you within a business day or two to begin the claims process.

Does Infinity offer roadside information?

Infinity offers roadside information as an add-on coverage option in most states. This covers services like towing, lockout information, and fuel delivery. The cost and coverage limits vary by state, so ask about this option when you request a quote.