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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 | N/A | N/A |
| 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 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. |
| Recent Questions |
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
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