Infinity vs. MetLife: Which Company is the Best Fit for You?

You've probably seen ads offering big savings on auto insurance, but are Infinity or MetLife right for you? Which carrier offers the lowest premiums, or the most discounts? Read on to see how Infinity and MetLife compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Looking at the national averages for insurance, Infinity offers significantly cheaper prices than MetLife
  • Infinity offers less expensive average rates for policyholders who live in rural neighborhoods
  • MetLife may help you save more money -- they offer more discounts than Infinity Insurance

Infinity or MetLife: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Infinity or MetLife for your next policy, but which carrier will save you the most?

Infinity MetLife

Looking at nationwide averages, Infinity has average rates that are around 50% a month cheaper than those from MetLife.

Even so, Infinity may not be the cheapest or best option for every driver out there. Car insurance carriers use tons of complex algorithms to determine premiums, so depending on how old you are or how clean your driving record is (among a multitude of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Infinity and MetLife by a variety of different rate factors, so read on to find out which carrier is the best for you.

Infinity vs. MetLife: Average Car Insurance Rates by State

State Infinity MetLife

Infinity and MetLife only compete against each other in California, where Infinity offers the cheaper average rates. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their auto insurance.

There are plenty of other factors that go into your car insurance bill than just where you call home. Read on to learn more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Infinity MetLife
18-year-old drivers$468$959
25-year-old drivers$147$274

You might already know that teen drivers usually pay a lot more for insurance than any group on the road. The reason is that teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Infinity for their car insurance pay almost 50% less than those who use MetLife.

That being said, with both companies, you'll see your premiums reduce significantly by the time you turn 25. For example, average rates for Infinity policyholders lower nearly 70% and MetLife's premiums drop over 70% over that time.

Which is the Best Company for Retired Drivers?

Infinity MetLife
65+-year-old drivers$134$205

Drivers around retirement age generally enjoy some of the most affordable insurance prices you'll ever see. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise premiums.

So, which company offers the best rates to retired drivers? Infinity gets the edge, with prices for drivers 65 and older $71 less expensive than the national average for MetLife.

Which is the Best Company for Married Drivers?

Infinity MetLife

Those who are single tend to get offered slightly more expensive auto insurance rates than married drivers. That's because policies for married couples normally cover multiple vehicles, which many carriers will give you a discount for.

For single policyholders, the difference in average prices between these two companies is significant, with Infinity premiums coming in at about half of MetLife's. The advantage for married policyholders with Infinity is also obvious, where drivers save around $95 a month.

Infinity or MetLife: Average Rates by Gender

Infinity MetLife

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to car insurance men will typically end up paying a little more.

With Infinity, everyone ends up paying the same monthly prices regardless of gender, but with MetLife, the difference is closer to $28 per month.

Looking at the data for each carrier specifically, Infinity offers the lowest average premiums for both men and women. On average, women save about $148 a month and men save about $176 with Infinity compared to the average MetLife policyholder.

Find your best rate in just a few minutes

Infinity vs. MetLife: Compare State Minimum vs. Full Coverage Rates

Infinity MetLife
State Minimum*$93$215
Full Coverage**$262$466

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be a complicated subject for most people. There are a bunch of different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

But most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability).

Looking specifically at state minimum liability limits, Infinity has the significant edge, with average monthly rates coming in at $93. If you want a full coverage policy with the same state minimum limits, Infinity again has the edge, with policies averaging around $262 per month to MetLife's $466.

Is Infinity or MetLife Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and accidents will most likely raise your premiums, but is Infinity or MetLife more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Infinity MetLife
Clean Record$128$220
1 Speeding Ticket$160$279

Policyholders who use Infinity for their auto insurance can usually expect their monthly bill to go up about 20% after getting a speeding ticket. MetLife policyholders can expect a bit more drastic of an increase of around 21%.

However, Infinity tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 42% cheaper for drivers with clean records and 43% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Infinity MetLife
Clean Record$128$220
1 At-Fault Accident$211$368

Infinity drivers who get in an accident can expect to see their rates increase by just under 40%, while those who have insurance through MetLife will see about a 40% increase.

At the end of the day, drivers who use Infinity end up with the cheaper prices after an accident, with average prices coming in at $211 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

Infinity MetLife
Clean Record$128$220
1 DUI$211$494

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. MetLife drivers usually see a 55% raise in their insurance premiums after a DUI charge, while Infinity will generally climb prices by around 39%.

Find your best rate in just a few minutes

How does Credit Score Impact Infinity and MetLife Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect several policyholders out there.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Infinity and MetLife specifically, which one has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Infinity MetLife
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

If you have fantastic credit, MetLife will normally reward you. Improving your "good" credit score to an "excellent" one will generally save MetLife customers about $50. On the other hand, because Infinity doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Infinity MetLife
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

Having bad credit usually means you'll also see higher rates with MetLife. As you can see, MetLife customers with poor credit scores pay around 35% a month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, because Infinity doesn't have data available for credit scores, they could have better prices for drivers with bad credit over MetLife.

Find your best rate in just a few minutes

Is Infinity or MetLife Better for Drivers who Work from Home or Have Short Commutes?

Infinity MetLife
6,000 Annual Miles$167$339
12,000 Annual Miles$189$342

The amount of time you spend behind the wheel of your car plays a big role in how much insurance carriers will charge for coverage. Typically, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Infinity tends to be the more affordable option. MetLife's average prices for drivers with 6,000 annual miles come in more than $150 more expensive than Infinity. Those who drive 12,000 miles each year can expect to pay over $150 more with MetLife over Infinity.

Infinity or MetLife: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a substantial role in how much you pay for auto insurance. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Infinity MetLife
Urban Areas$198$389
Suburban Areas$186$333
Rural Areas$149$299

Infinity boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Infinity Insurance's average premiums are about 49% less than MetLife. People who live in suburban areas pay around 44% less with Infinity compared to MetLife. Those in rural areas can expect to save about 50% with Infinity compared to MetLife.

Infinity vs. MetLife Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Infinity and MetLife so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Infinity MetLife
AAA Discount 
ABS Discount 
Academic Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Combat Auto-Theft Discount 
Defensive Driver Discount
Distant Student Discount 
EFT Discount 
Employee Discount 
Employers Subject to MA Worker Discount 
Employment Tenure Discount 
Family Car Discount 
Farm Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Homeowner Discount 
Life Policy Discount 

MetLife blows Infinity away when it comes to the sheer amount of discounts available, offering 33 more discounts than Infinity.

Both companies offer many of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, and discounts for being a good student -- but MetLife also offers discounts for AAA, ABS, academic, and more.

Infinity's discounts come through just three categories -- Defensive Driver, Good Driving, and Good Student.

Find your best rate in just a few minutes

Final Thoughts: Is Infinity or MetLife Best for You?

So, we've broken down the average prices for many of the variables auto insurance carriers look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, is Infinity or MetLife the best company for you, your vehicle, and your wallet?

Infinity might be best for you if....

  • You will be the only person on the car insurance policy.
  • You live in a rural neighborhood.
  • You want to save money while purchasing insurance for a teenager.

MetLife might be best for you if...

  • You have below-average credit.
  • You have above-average credit.
  • You're looking for the company with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Infinity and MetLife. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Infinity and MetLife. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Find your best rate in just a few minutes

Infinity vs. MetLife FAQs

Is Infinity or MetLife cheaper?

Infinity is the cheaper of the two companies when looking at national average rates, with policies averaging $178 per month with Infinity and $340 for MetLife. But that doesn't mean Infinity will be the cheapest carrier for every driver, since there are multiple different factors that are considered when it comes to your auto insurance cost.

Who is better, Infinity or MetLife?

Sadly, the only answer we can give you is "it depends.". Neither company is necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, MetLife is less expensive for drivers with excellent credit, while Infinity offers cheaper premiums for drivers with a recent DUI.

Why do Infinity and MetLife offer me different rates?

Insurance carriers use quite a few different variables when determining the prices they charge. Factors like gender, your driving record, age, where you live, and sometimes even things like your credit score can all come into play. Both Infinity and MetLife calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if Infinity or MetLife is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't Infinity or MetLife at all, but another you hadn't even thought of!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes