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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.
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 |
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 |
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 | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | MetLife | Infinity |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A+ | A+ |
| Other Products | MetLife | Infinity |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| 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 help reimburse you 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 you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have a covered loss. | Infinity offers an additional discount in most states for registering your policy account profile online. |
| Recent Questions | Whose insurance pays for an accident after running a stop sign? Unfortunately stop signs in parking lots are not the same as stop signs on the street when it comes to determining fault. Parking lot accidents are often difficult to assign fault for insurance companies so they may ultimately decide to cover only their own customer's damage by saying the that fault was 50/50 between the drivers. Who is at fault if I opened my car door and it was hit by another driver?In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies. Will a paraphernalia charge impact my auto insurance rate?Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself. If I'm involved in an accident driving my grandmother's car, will the damage be covered?Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At Fault accident. See More Questions | Is it worth filing a claim for a scratch on my car that happened when it was parked? If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair. When filling out quotes, do I have to disclose an accident that my friend had while driving my car?The questions pertains to you as a driver. The same would go for tickets. If I file a claim for denting my car door on a beam, will my insurance rate increase?Filing a claim where you were the cause of damage will most likely result in an increase in your rate. In Texas, the average increase in premium for an at-fault accident is $817 per year, based on our State of Insurance report. See More Questions |
| Compare More | MetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farm Bureau Mutual MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Liberty Mutual MetLife vs. Mercury MetLife vs. Nationwide MetLife vs. North Star Mutual MetLife vs. Progressive MetLife vs. Safe Auto MetLife vs. Safeco MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA | Infinity vs. 21st Century Infinity vs. Allied Infinity vs. Allstate Infinity vs. American Family Infinity vs. Amica Mutual Insurance Infinity vs. Auto Club (AAA) Infinity vs. Erie Infinity vs. Esurance Infinity vs. Farm Bureau Mutual Infinity vs. Farmers Infinity vs. Foremost Infinity vs. GEICO Infinity vs. Liberty Mutual Infinity vs. Mercury Infinity vs. Nationwide Infinity vs. North Star Mutual Infinity vs. Progressive Infinity vs. Safe Auto Infinity vs. Safeco Infinity vs. State Farm Infinity vs. The General Infinity vs. The Hartford Infinity vs. Titan Infinity vs. Travelers Infinity vs. USAA |
| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |