Infinity After DUI: What Non-Standard Coverage Really Costs

Infinity writes policies for drivers preferred carriers decline, which after a DUI conviction means nearly everyone for the first 3-5 years. Non-standard carriers price for elevated risk by charging higher base premiums and adding policy fees that preferred carriers waive. Infinity's non-standard classification affects three cost components. Base liability premiums run 40-60% higher than preferred-tier equivalents for the same coverage limits. Policy fees average $15-25 per month and appear as separate line items on your declaration page. Installment fees of $5-8 per payment apply when you pay monthly instead of in full, and unlike preferred carriers, Infinity does not waive these fees for autopay enrollment. The trade-off is immediate coverage availability. Preferred carriers require 3-5 years of clean driving after a DUI before they'll quote at all. Non-standard carriers like Infinity quote immediately after reinstatement, which matters when you need SR-22 filing to restore your license. You're not shopping for the best rate. You're shopping for the only rate available until your violation ages off carrier lookback windows.

Infinity calculates your premium using base rate, DUI surcharge multiplier, and SR-22 filing fee as separate components. A driver who paid $110/mo for full coverage before a DUI typically pays $280-340/mo with Infinity after conviction, with $25-35/mo of that total attributed to SR-22 filing and monitoring. The DUI surcharge applies as a percentage multiplier to your base premium, not a flat fee. Infinity's DUI multiplier ranges from 2.8x to 3.5x your pre-conviction base rate depending on your state and prior insurance history. A second DUI within ten years triggers a 4.2-5.0x multiplier and in most states makes you uninsurable even in the non-standard market until the older conviction reaches the seven-year mark. Your first-year premium stays fixed for the full policy term. Infinity does not mid-term cancel for payment history as long as you stay current within the 10-day grace period. Rate decreases happen at annual renewal and only if you've maintained continuous coverage with no new violations. Expect 8-12% annual decreases for the first three years, then steeper drops if you qualify to move back to a preferred carrier.

Infinity quotes state minimum liability limits by default, which after a DUI is often 25/50/25 or 30/60/25 depending on your state. Minimum limits keep your monthly payment lowest but leave you personally liable for damages above those thresholds, and post-DUI drivers face higher lawsuit risk because plaintiff attorneys assume impaired drivers carry minimal coverage. Increasing liability to 100/300/100 adds $35-50/mo to a non-standard policy but covers the full judgment in most at-fault accidents. The marginal cost is lower than the exposure. If you caused $150,000 in injury damages with 25/50/25 limits, you're personally liable for $100,000 the policy doesn't cover, and bankruptcy doesn't discharge tort judgments in most states. Collision and comprehensive coverage on older vehicles rarely makes sense in the non-standard market. Infinity's non-standard deductibles start at $1,000 for collision and $500 for comprehensive, and a vehicle worth $6,000 with $1,000 deductible pays $90-120/mo for coverage that nets you $5,000 maximum after a total loss. Drop physical damage coverage on vehicles worth under $8,000 and bank the premium difference in a separate account for replacement.

Infinity handles claims in-house but uses a tiered adjuster system that assigns post-DUI policyholders to their high-risk claims unit. Your claim gets reviewed by an adjuster who specializes in non-standard policies, which means faster decisions on liability questions but stricter documentation requirements before they'll issue payment. Photo documentation is required within 24 hours of any accident regardless of fault. Infinity's mobile app accepts photos directly, and claims filed without photos within the first day trigger an automatic field inspection before they'll move to estimate phase. Missing the 24-hour photo window adds 5-7 days to your claim timeline and in disputed-liability accidents gives the other party's insurer time to establish their narrative first. Infinity's non-standard policies include a claims frequency threshold buried in the renewal terms. Two at-fault claims within 18 months, or three claims of any fault determination within 24 months, triggers non-renewal at your next policy anniversary. The threshold is lower than preferred carriers because non-standard underwriting assumes you're already higher-risk. A post-DUI driver who files two comprehensive claims and one at-fault collision in two years will be non-renewed even if they've made every premium payment on time.

Most preferred carriers require 3-5 years of clean driving after DUI conviction before they'll quote, measured from conviction date not reinstatement date. Some states with tight non-standard markets allow preferred carriers to quote at the three-year mark if you've maintained continuous coverage with no lapses and no new violations. Shop preferred carriers 90 days before your three-year anniversary. If your DUI is your only violation and you've carried continuous coverage through Infinity or another non-standard carrier, State Farm and Nationwide will quote in most states at month 36. Progressive and GEIC often quote at month 48. Allstate and Liberty Mutual typically require the full five years. The rate drop when you move from non-standard to preferred is typically 35-50% for equivalent coverage limits. A driver paying $310/mo with Infinity at year three post-DUI will typically pay $180-200/mo with a preferred carrier for the same 100/300/100 liability limits and $1,000 collision deductible. Do not cancel your Infinity policy until your new preferred-carrier policy has been issued and you've confirmed SR-22 filing has transferred if your state still requires it.

The Infinity, Bristol West, Acceptance, and National General write most non-standard post-DUI policies nationally. Infinity is often the lowest-cost option in states where they operate, but pricing varies significantly by ZIP code and their availability is limited to 38 states. Bristol West is owned by Farmers and operates as their non-standard subsidiary. Their post-DUI premiums run 5-15% higher than Infinity in most states but they offer $500 collision deductibles where Infinity's floor is $1,000. Bristol West also waives installment fees for drivers who enroll in automatic payment, which saves $60-90 annually compared to Infinity's non-waivable installment structure. Acceptance Insurance specializes in SR-22 filing and operates in 13 states including Texas, Georgia, and Illinois. Their DUI multipliers are slightly lower than Infinity's but they add a $25/mo SR-22 administrative fee on top of the state filing fee, making total cost comparable. Acceptance allows same-day SR-22 filing and reinstatement, which matters if your license suspension ends mid-month and you need coverage to start immediately.