MetLife vs. Infinity

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MetLife or Infinity: Which Company is Best for You?

Important note: As of April 2021, The Farmers Insurance Group has acquired all MetLife auto and homeowners policies. MetLife Auto & Home is no longer affiliated with MetLife, Inc and policyholders will use Farmers services to manage their accounts. For more information on Farmers auto and home insurance policies, check out our Farmers vs. Infinity comparison. 


Selecting a car insurance company is complex: rates may vary based on your driving history, age, and location, and insurers offer a variety of perks. MetLife and Infinity are two of the most popular insurance companies, providing affordable policies across large swaths of the US.

To take the sting out of shopping for car insurance, we pulled average insurance rates from Infinity and MetLife. These cover a variety of rating factors, including credit quality, driving infractions, and age. Examine these rates and find an affordable policy today.

Take a deep dive: Check out our reviews of MetLife and Infinity.


MetLife vs. Infinity: rate comparison


MetLife vs. Infinity: prices by credit level

If you have extremely bad credit, MetLife could be preferable to MetLife. On average, MetLife offers better premiums than Infinity for prospective clients with credit scores of lower than 580. Those with outstanding credit — a score of 800-plus — should lean toward MetLife, which typically beats Infinity by $2,588 annually. View typical insurance rates by credit level for Infinity and MetLife below.

Credit level MetLife avg. annual premium Infinity avg. annual premium
Very Poor (300-579) $3,495 $7,847
Fair (580-669) $2,131 $4,862
Good (670-739) $1,778 $3,955
Very Good (740-799) $1,517 $4,045
Exceptional (800-850) $1,293 $3,881



MetLife vs. Infinity: high-risk insurance rate comparison

If you're carrying an at-fault accident, speeding ticket, reckless driving citation, or DUI on your résumé, MetLife could be a better choice than Infinity. Each insurer will handle driving offenses differently, so it's worth comparing quotes to understand which insurer suits you.

Violation MetLife avg. annual premium Infinity avg. annual premium
At-fault accident (damage < $1,000) $2,598 $5,774
At-fault accident (damage > $1,000) $1,679 $4,487
DUI/DWI $3,219 $6,124
Reckless driving $3,219 $6,124
Speeding ticket $2,085 $4,174



MetLife vs. Infinity: rates by age bracket

Insurers rely on a driver's age to outline risk potential, assigning rates accordingly. Insurance is typically expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Since each insurance company rates age brackets uniquely, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose MetLife before Infinity: MetLife offers average yearly savings of $9,857, compared to Infinity.

Age tier MetLife avg. annual premium Infinity avg. annual premium
Teens $6,434 $16,291
20s $2,457 $5,588
30s $1,598 $5,588
40s $1,590 $4,077
50s $1,520 $3,716
60s $1,414 $3,365



Setting aside cost, MetLife and Infinity each have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount Comparison MetLife Infinity
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 Comparison MetLife Infinity
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon N/A N/A
User Satisfaction Question mark icon



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Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features MetLife Infinity
About Protect yourself and your family with custom-fit car insurance from MetLife Auto & Home®. Be covered in case of an accident or theft and save big by combining auto and home insurance. Get a quote. 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 MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses. 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 MetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year in which a driver doesn't make a claim, up to a maximum of $250 that can be put toward the deductible in the event of a covered loss. Infinity offers an additional discount in most states for registering your policy account profile online.
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