Why Kemper/Infinity Matters for Independent Agents
Kemper Corporation is one of the larger publicly traded insurance holding companies in the United States, and their non-standard auto division — built around the 2018 acquisition of Infinity Property & Casualty — is one of the most significant non-standard auto operations in the country by premium volume.
For independent agents, Kemper/Infinity matters because of their scale and market presence. In high-population states like California, Texas, and Florida, Infinity has been a recognized non-standard auto brand for decades. Clients in urban and suburban markets in these states are familiar with the name — which reduces friction when presenting their options to non-standard drivers.
Non-Standard Auto Products
High-Risk Personal Auto
Kemper/Infinity's non-standard auto product is designed for drivers who do not qualify for preferred market pricing. Their underwriting handles:
- DUI and DWI convictions within the past several years
- Multiple at-fault accidents or moving violations
- Coverage lapses and policy cancellations for non-payment
- Drivers with limited U.S. driving history
- Young and inexperienced drivers with risk factors
- Drivers whose preferred carrier non-renewed them
SR-22 Filings
Kemper/Infinity files SR-22 certificates of financial responsibility in states where they operate. SR-22 is required by state DMVs for drivers who have had their license suspended or revoked, and who need to demonstrate proof of insurance for reinstatement. Kemper/Infinity's SR-22 capability makes them practical for the full range of non-standard client situations.
Urban and Diverse Market Expertise
One area where Kemper/Infinity has historically distinguished themselves is urban markets and diverse demographic segments. Infinity built their business in urban California and has deep experience writing non-standard auto for immigrant communities, first-time car owners, and urban drivers — markets where standard carriers often lack appetite or competitive pricing.
The Value of Scale in Non-Standard Auto
In the non-standard auto market, scale matters. Larger carriers can price more competitively because they spread risk across more policies, invest more in claims technology, and negotiate better reinsurance rates. Kemper/Infinity's scale — particularly in markets like California — often allows them to be competitive in situations where smaller non-standard carriers cannot match the price.
For agents working in high-volume non-standard markets, having Kemper/Infinity in the panel alongside smaller regional carriers like Bristol West and Founders means access to both national pricing power and regional specialization.
Getting Appointed Through IPA
Direct Kemper/Infinity appointments have become more selective, particularly for smaller agencies. Through IPA, you access their non-standard auto product under IPA's master agency relationship — immediate access without meeting individual production thresholds.
- Immediate access to Kemper/Infinity non-standard auto
- Available in California, Texas, Florida, and other major states
- SR-22 filing capability included
- IPA support for underwriting and placement questions
- Competitive commission structure through IPA
Ready to Add One of the Country's Largest Non-Standard Auto Carriers?
Kemper/Infinity gives your agency major-market credibility and competitive pricing in the non-standard auto segment. IPA provides access to Kemper/Infinity alongside a full panel of non-standard and specialty carriers. Book a discovery call to learn how IPA carrier access works.