head to head
Neither is meaningfully harder - they pose close to the same test. The widest gap is execution, and it is a single point.

Execution · Competitive PvP
Mobile shooter execution with human prediction, plus loot variance in battle royale.

Execution · Competitive PvP
Hardcore team shooter where one bullet kills and the HUD tells you nothing.
Call of Duty: Mobile leans Execution (Competitive PvP); Insurgency leans Execution (Competitive PvP).
Insurgency leans a little harder on execution, though the gap is small.
Call of Duty: Mobile
Touch or controller aim and movement decide gunfights
Insurgency
One-shot lethality rewards precise aim
Insurgency leans a little harder on reads, though the gap is small.
Call of Duty: Mobile
Human lobbies adapt rotations and peeks each match
Insurgency
Human squads flank and adapt each round
Same score on variance - which means the number cannot separate them. The difference is in what each one asks of you.
Call of Duty: Mobile
Battle royale drops and loot add run-to-run randomness
Insurgency
No killcam or HUD hides enemy positions
Same score on optimization - which means the number cannot separate them. The difference is in what each one asks of you.
Call of Duty: Mobile
Loadout meta and map spawn knowledge reward study
Insurgency
Loadout points and objective route knowledge
A matching score does not mean a matching test. Two games can both sit at 10 on execution and demand completely different things of you - which is why the reasoning above matters more than the number beside it.