Liberty Mutual vs. Infinity

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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.


Compare Liberty Mutual vs. Infinity auto insurance rates


Liberty Mutual vs. Infinity: premiums 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.

RATES BY CREDIT LEVEL: Infinity VS. Liberty Mutual
Credit levelLiberty Mutual avg. annual premiumInfinity 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: rates for drivers with bad records

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.

ViolationLiberty Mutual avg. annual premiumInfinity avg. annual premium
At-fault accident (damage < $1,000)$2,776$5,774
At-fault accident (damage > $1,000)$2,112$4,487
Reckless driving$3,459$6,124
Speeding ticket$2,068$4,174

Liberty Mutual vs. Infinity: rates 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.

Age tierLiberty Mutual avg. annual premiumInfinity avg. annual premium

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 ComparisonLiberty MutualInfinity
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
New Vehicle
Annual Mileage
Ratings ComparisonLiberty MutualInfinity
Financial Strength ExcellentExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction



Other ProductsLiberty MutualInfinity
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualInfinity
Roadside Assistance
Additional DiscountsLiberty 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.
Recent QuestionsWhy did my rate increase for a $25 towing claim?
Unfortunately, you were given the correct information. Insurance companies base their&nbsp;rates on the risk of having to pay any claim.
Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.
What's the difference between a vanishing deductible and accident forgiveness
Let's first summarize the two: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.
Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.
See More Questions
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