A garment with insulated liner including a short pant attached to an insulated undergarment. The insulated undergarment is adapted to cover and fit closely to the body of a wearer to preserve an elevated temperature of the body of the wearer under the insulated undergarment. A pair of front seams are provided to secure the short pant to the insulated garment. The front seams extend from a waist area through a pelvic area to a crotch area to prevent the insulated undergarment from drastically shifting in turbulent water.