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 · Pure Mechanics
A tactical military shooter where aim against human opponents is the deciding factor.

Execution · Competitive PvP
Hardcore team shooter where one bullet kills and the HUD tells you nothing.
Call of Duty: Modern Warfare leans Execution (Pure Mechanics); Insurgency leans Execution (Competitive PvP).
Call of Duty: Modern Warfare leans a little harder on execution, though the gap is small.
Call of Duty: Modern Warfare
aim and reflexes decide engagements
Insurgency
One-shot lethality rewards precise aim
Same score on reads - which means the number cannot separate them. The difference is in what each one asks of you.
Call of Duty: Modern Warfare
predicting human opponents' positioning
Insurgency
Human squads flank and adapt each round
Insurgency leans a little harder on variance, though the gap is small.
Call of Duty: Modern Warfare
spawns and loadout drops vary
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: Modern Warfare
loadouts and map knowledge solvable
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.