Florida Secures $46M Refund From Infinity Auto
Infinity Auto Insurance Company will return more than $46 million in excess profits to Florida policyholders under state law.
Updated on Nov. 2, 2026 in Insurance
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Florida's Insurance Commissioner secured a refund of more than $46 million from Infinity Auto Insurance Company for its policyholders. The excess profits cover the calendar and accident years 2023, 2024, and 2025.
Why it matters
Florida law requires insurers to return excess profits when underwriting gains exceed anticipated profits plus a set margin, and this refund shows the rule being enforced. Other auto insurers are reportedly approaching the same statutory threshold.
The refund totals more than $46 million, tested against a threshold of anticipated underwriting profits plus five percent of earned premiums across the three most recent calendar-accident years. Infinity Auto will attempt to locate policyholders whose checks are returned, and unclaimed amounts will go to unclaimed profit funds.
The players
Infinity Auto Insurance Company
Infinity Auto Insurance Company is a Florida-regulated auto insurer whose excess profits are being refunded to its policyholders under state law.
Florida Office of Insurance Regulation
The Florida Office of Insurance Regulation is the state agency that reviewed insurer financial data and oversees compliance with the excess profit statute.
The details
Infinity Auto Insurance reviewed its finances and provided data to the Office of Insurance Regulation, which led the Florida Insurance Commissioner to secure the refund. The company is expected to issue refunds within 60 days.
Timeline
2023–2025: Calendar and accident years covered by the excess profits
Within 60 days: Infinity Auto expected to issue refunds to policyholders
Roadmap
Florida's excess-profit law requires insurers to return surplus earnings when underwriting gains exceed a fixed margin above anticipated profits. This refund applies that rule to auto insurance, and other auto carriers are reportedly nearing the same threshold.
Eligible Infinity Auto policyholders may receive a refund check for excess profits covering 2023 through 2025. Policyholders whose checks are returned should watch for contact from the insurer, since unclaimed refunds will be processed through unclaimed profit funds.
The takeaway
If you held an Infinity Auto policy in Florida during 2023 through 2025, check your mail and update your address with the insurer so a refund check is not returned undelivered.
What happens next
Infinity Auto is expected to issue refunds within 60 days, and additional refund announcements for Floridians are anticipated.
Further reading
Explore more on Insurance coverage and policyholder protections.
Source note: This article includes information reported by WFLA.
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