Liberty Mutual vs Infinity: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Liberty Mutual or Infinity: Which company is best for you?
Selecting a car insurance company can be complicated: rates fluctuate by driving record, age, and location, and every company provides a different set of discounts. Liberty Mutual and Infinity are two of the US' most popular auto insurance companies, providing competitively priced insurance policies in most US states.
To help make shopping for car insurance easier, we've pulled average insurance premiums from Infinity and Liberty Mutual. These rates cover a number of rating factors, chief among which are credit rating, driving history, and age. Check out the below rates and find an affordable policy today.
Take a deep dive: Check out our reviews of Liberty Mutual and Infinity.
Liberty Mutual vs. Infinity: by credit level
If you have very poor credit, Liberty Mutual could be preferable to Liberty Mutual. On average, Liberty Mutual offers lower prices than Infinity for drivers with credit scores of lower than 580. Those with outstanding credit — a score of 800 or better — should favor Liberty Mutual, which typically beats Infinity by $2,089 per year. Check out common insurance rates by credit level for Infinity and Liberty Mutual below.
INSURER RATES BY CREDIT SCORE: INFINITY VS. LIBERTY MUTUAL
| Credit level | Liberty Mutual avg. annual premium | Infinity avg. annual premium |
| Very Poor (300-579) | $3,228 | $7,847 |
| Fair (580-669) | $2,276 | $4,862 |
| Good (670-739) | $2,109 | $3,955 |
| Very Good (740-799) | $1,878 | $4,045 |
| Exceptional (800-850) | $1,792 | $3,881 |
Liberty Mutual vs. Infinity: by citation
If you have an at-fault crash, speeding ticket, reckless driving violation, or DUI offense on your résumé, Liberty Mutual could be a better choice than Infinity. Each insurance company prices its policies differently, so don't hesitate to shop around to understand which insurer is best for you.
INSURER RATES BY VIOLATION: INFINITY VS. LIBERTY MUTUAL
| Violation | Liberty Mutual avg. annual premium | Infinity avg. annual premium |
| At-fault accident (damage < $1,000) | $2,776 | $5,774 |
| At-fault accident (damage > $1,000) | $2,112 | $4,487 |
| DUI/DWI | $4,182 | $6,124 |
| Reckless driving | $3,459 | $6,124 |
| Speeding ticket | $2,068 | $4,174 |
Liberty Mutual vs. Infinity: by age
Car insurance companies use age to outline potential risk, pricing policies accordingly. An insurance policy is commonly more expensive for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because each insurance company evaluates age brackets uniquely, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Liberty Mutual over Infinity: Liberty Mutual offers average yearly savings of $9,732, compared to Infinity.
INSURER RATES BY AGE: INFINITY VS. LIBERTY MUTUAL
| Age tier | Liberty Mutual avg. annual premium | Infinity avg. annual premium |
| Teens | $6,559 | $16,291 |
| 20s | $2,686 | $5,588 |
| 30s | $1,942 | $5,588 |
| 40s | $1,926 | $4,077 |
| 50s | $1,793 | $3,716 |
| 60s | $1,746 | $3,365 |
Costs aside, Liberty Mutual and Infinity each come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | Liberty Mutual | Infinity |
|---|---|---|
| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training | ||
| Green Vehicles |
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| Affinity Membership Alum |
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| Advanced Purchase |
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| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle | ||
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| Ratings Comparison | Liberty Mutual | Infinity |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Average | N/A |
| User Satisfaction |
A+ |
A+ |
| Other Products | Liberty Mutual | Infinity |
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| Travel Trailer Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | Liberty Mutual | Infinity |
|---|---|---|
| About | Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need. | Infinity provides non-standard car insurance to drivers who represent higher than normal risks and would otherwise pay higher rates for comparable coverage. |
| Roadside Assistance | Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with purchase of optional Towing & Labor coverage. | Infinity's 24 hour roadside assistance is available for towing to the nearest repair facility and labor cost at the site of your disablement. Infinity covers up to 5 disablements within a 12 month period. |
| Additional Discounts | Liberty Mutual offers additional discounts such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year. | Infinity offers an additional discount in most states for registering your policy account profile online. |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |