Coverage Options and Limits
Infinity Insurance offers the standard trio of liability, collision, and comprehensive coverage, each customizable by deductible and limit. Liability limits typically start at $25,000/$50,000/$25,000 for bodily injury and property damage, but higher limits are available for drivers who need extra protection. Collision covers damage to your own vehicle after an accident, while comprehensive adds protection against theft, vandalism, natural disasters, and animal collisions. Adding uninsured/underinsured motorist coverage is optional but recommended in states with high rates of uninsured drivers.
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Pricing Factors and Discounts
Premiums are calculated from the usual risk variables: age, driving record, vehicle type, mileage, and credit score where permitted. Infinity Insurance also rewards safe behavior with a telematics program that tracks mileage and driving habits; low‑risk drivers can see discounts of 10‑15 %. Additional discounts include multi‑policy bundling (auto plus home), safe‑driver courses, good‑student status, and military service. Premiums vary widely by state due to differing minimum liability requirements and local claim trends.
Claims Process and Customer Support
When filing a claim, policyholders can start online, through the mobile app, or by calling the 24/7 claims hotline. The first step is to provide the incident details and any police report numbers. Infinity assigns a claims adjuster who contacts the driver within an hour for most accidents. Documentation such as photos, repair estimates, and medical bills are uploaded directly in the app, speeding up settlement. Most straightforward claims are settled within 7‑10 business days, while complex liability cases may take longer.
State Availability and Regulatory Standing
Infinity Insurance operates in 31 states, focusing on markets where its digital‑first model can reduce overhead and pass savings to consumers. The company holds an A‑ (Excellent) rating from A.M. Best, indicating strong financial stability and the ability to meet policyholder obligations. Regulatory compliance includes adherence to each state's minimum coverage mandates and participation in state-run consumer complaint databases.
Comparing Infinity to Traditional Car Insurers
Unlike legacy carriers that rely heavily on agents, Infinity emphasizes a streamlined online experience, which often translates into lower administrative costs. However, drivers who prefer face‑to‑face interaction may find the limited physical office presence a drawback. Below is a quick comparison of key attributes.
| Attribute | Infinity Insurance | Traditional Insurers |
|---|---|---|
| Pricing Model | Usage‑based discounts, digital‑only | Standard rating factors, agent commissions |
| Customer Service | 24/7 phone/app, limited in‑person | Phone, online, extensive branch network |
| Coverage Flexibility | Customizable limits, add‑ons via app | Similar options, often bundled with agents |
| Financial Rating | A‑ (Excellent) | Varies, typically A‑ to A+ |
Is Infinity Insurance Right for You?
If you value a tech‑forward approach, are comfortable managing your policy online, and want potential savings from telematics, Infinity Insurance can be a competitive choice. Drivers who need extensive in‑person support or who live in states where Infinity does not write business will need to consider alternatives. Request a personalized quote, compare the deductible and limit options, and weigh the discount eligibility before making a final decision.