Liberty Mutual vs Infinity: Which is Better for You?

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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.


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.

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.

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.

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 supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported
Good Driver supported supported
Defensive Driver supported
Student Away at School supported
Driver Training
Green Vehicles supported
Affinity Membership Alum supported
Advanced Purchase supported supported
Pay in Full supported supported
Home Owner supported supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage
Military supported
Ratings Comparison Liberty Mutual Infinity
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon



Other Products Liberty Mutual Infinity
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported supported
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.
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