Best Life Insurance in California (November 2024)


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The best life insurance company for women in California is Protective, with a MoneyGeek score of 95 and an average monthly premium of $18. Men in California fare best with GEICO, with average premiums around $21 per month and a MoneyGeek score of 96.

The best California life insurance company for you may vary according to your chosen policy type, age and lifestyle.

Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in California.

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Coverage costs and company information for life insurance providers were updated in November 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes

Best Life Insurance Companies in California: Summary

Data filtered by:Results filtered by:
Category:
Category:Best Life Insurance Overall
Gender:
Gender:M
GEICO196
Nationwide295
Protective395
Allstate494
Mutual of Omaha594
Transamerica694
State Farm793
AAA891
Prudential990
Haven1089

Overall Best Life Insurance in California

How was this MoneyGeek score calculated?

GEICO is the best life insurance provider in California for men, with a MoneyGeek score of 96 and a monthly premium of $21. Protective takes the lead for women with a MoneyGeek score of 95 and a monthly premium of $18. Affordability was the determining factor in selecting company winners for each gender.

  • GEICO: MoneyGeek score of 96 out of 100 ($21 per month for men; $21 per month for women)
  • Protective: MoneyGeek score of 95 out of 100 ($21 per month for men; $18 per month for women)
  • Nationwide: MoneyGeek score of 95 out of 100 ($25 per month for men; $24 per month for women)

These top life insurance companies in California offer the best mix of life insurance coverage options, affordability and customer satisfaction.

Best Life Insurance in California for Men: GEICO

COMPANY HIGHLIGHTS

GEICO wins as the best life insurance provider for men in California. It scored the highest in MoneyGeek's ranking with a 96, and its average monthly premium for men is $21. The company's stellar performance ensures men receive excellent coverage without breaking the bank.

Pros:

  • High customer satisfaction
  • Affordable
  • Excellent financial stability

Cons:

  • Limited product diversity

Best Life Insurance in California for Women: Protective

COMPANY HIGHLIGHTS

With a MoneyGeek score of 95, Protective is our pick for the best life insurance company for women in California. With an average monthly premium of $18, Protective provides security and value.

Pros:

  • High customer satisfaction
  • Affordable
  • Robust financial stability

Best Term Life Insurance in California

How was this MoneyGeek score calculated?

Nationwide offers California's best term life insurance for both men and women, with a MoneyGeek score of 97. Its average monthly premiums are approximately $19 for men and $18 for women. Nationwide provides a blend of satisfaction, affordability and stability for individuals seeking the best term life insurance options.

The California life insurance companies with the three highest MoneyGeek scores:

  • Nationwide: MoneyGeek score of 97 out of 100 ($19 per month for men; $18 per month for women)
  • GEICO: MoneyGeek score of 97 out of 100 ($16 per month for men; $16 per month for women)
  • Protective: MoneyGeek score of 95 out of 100 ($16 per month for men; $15 per month for women)

Best Term Life Insurance in California: Nationwide

COMPANY HIGHLIGHTS

Nationwide is the best choice for term life insurance in California. With a MoneyGeek score of 97 and a monthly premium of $19, Nationwide stands out among California term life insurance providers for its commitment to quality coverage and customer satisfaction.

Pros:

  • High customer satisfaction
  • Affordable insurance
  • Product variety

Best Whole Life Insurance in California

How was this MoneyGeek score calculated?

State Farm stands out as the best whole life insurance provider in California for both men and women, with an exceptional MoneyGeek score of 99. Nationwide and Mutual of Omaha follow close behind:

  • State Farm: MoneyGeek score of 99 out of 100
  • Nationwide: MoneyGeek score of 98 out of 100
  • Mutual of Omaha: MoneyGeek score of 96 out of 100

Best Whole Life Insurance in CA: State Farm

COMPANY HIGHLIGHTS

State Farm tops the list with a MoneyGeek score of 99. With a stellar reputation for offering whole life insurance in California, it's a trustworthy option for men and women seeking long-term coverage.

Pros:

  • Exemplary customer satisfaction
  • Wide range of product offerings
  • Efficient buying process

Best Universal Life Insurance in California

How was this MoneyGeek score calculated?

Nationwide stands out as California's best universal life insurance provider, with a MoneyGeek score of 99 for both men and women. Nationwide's consistency in high scores across the board offers Californians reliable and top-notch coverage options.

Here are the three highest-scoring life insurance companies in California:

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 98 out of 100
  • Mutual of Omaha: MoneyGeek score of 97 out of 100

Best Universal Life Insurance in CA: Nationwide

COMPANY HIGHLIGHTS

Nationwide is the premier choice for those seeking universal life insurance in California, with the highest MoneyGeek score of 99.

Pros:

  • Exemplary customer satisfaction
  • Range of insurance products

Best No-Medical-Exam Life Insurance in California

How was this MoneyGeek score calculated?

Nationwide is MoneyGeek's pick for the best no-medical-exam life insurance in California for both men and women. With a MoneyGeek score of 99, Nationwide sets the industry benchmark for quality in offering policies for a broad spectrum of clients.

Other top life insurance companies in California without mandatory medical exams include:

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 99 out of 100
  • Mutual of Omaha: MoneyGeek score of 97 out of 100

Best No-Medical-Exam: Nationwide

COMPANY HIGHLIGHTS

Nationwide provides California's best life insurance without a mandatory medical exam, receiving a MoneyGeek score of 99.

Pros:

  • High customer satisfaction
  • Broad range of insurance products

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in California

How was this MoneyGeek score calculated?

Nationwide offers the best term life insurance for seniors in California, earning a MoneyGeek score of 98 for men and 97 for women, with monthly premiums costing approximately $73 for men and $71 for women. Nationwide's top rankings are due to its high marks in customer satisfaction, affordability and process simplicity.

Best California Term Life Insurance for Seniors
Data filtered by:Results filtered by:
Sex:
Sex:M
Nationwide1$7398
GEICO2$7496
Mutual of Omaha3$8696
Prudential4$7495
Protective5$7795
State Farm6$11395
Allstate7$7094
Transamerica8$7094
AAA9$9793
Haven10$15289

Best Term Life Insurance for Smokers in California

How was this MoneyGeek score calculated?

Nationwide offers the best term life insurance for smokers in California for both men and women. With a MoneyGeek score of 95 for women and 97 for men, Nationwide provides policies at an average of $78 per month for women and $79 for men. The company's high satisfaction score and sound financial stability contribute significantly to its leading position.

Best California Term Life Insurance for Smokers
Data filtered by:Results filtered by:
Sex:
Sex:M
Nationwide1$7997
GEICO2$7196
Prudential3$6595
Mutual of Omaha4$8395
Haven5$8293
State Farm6$11793
Transamerica7$7793
AAA8$8693
Protective9$13490
Allstate10$11489

Best Term Life Insurance for Young Adults in California

How was this MoneyGeek score calculated?

Nationwide offers the best term life insurance for young adult men in California, scoring a 97 with a monthly premium of $12. Protective takes the lead for young adult women, with a MoneyGeek score of 95 and a monthly premium of $11. Nationwide got perfect scores in customer satisfaction and process, complimented by strong stability and diversity ratings. Protective received high marks in satisfaction and affordability, underpinned by a robust stability score. Discovering the best term life insurance for young adults is crucial for securing a financially stable future, and these companies show why they are leaders in the industry.

Best California Term Life Insurance for Young Adults
Data filtered by:Results filtered by:
Sex:
Sex:M
Nationwide1$1297
GEICO2$1097
Mutual of Omaha3$1296
Protective4$1095
Allstate5$1094
Transamerica6$1094
State Farm7$1894
AAA8$1393
Prudential9$1592
Haven10$1691
Bestow11$2189

Best Cheap Term Life Insurance in California

How was this MoneyGeek score calculated?

GEICO is the best cheap term life insurance for men in California, with a MoneyGeek score of 97 and an average monthly premium cost of $16, whereas Transamerica ranks first for women, scoring 97 and offering a monthly premium of $14.

These two companies offer financial products that promise affordability, reliability and value, meeting the diverse needs of Californians looking for term life insurance options that align with their financial goals and lifestyles.

Best Cheap Term Life Insurance in California
Data filtered by:Results filtered by:
Gender:
Gender:M
GEICO$1697
Nationwide$1996
Allstate$1696
Transamerica$1696
Protective$1696
Mutual of Omaha$2094
AAA$2291
Prudential$2290
State Farm$2889
Haven$2786
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MONEYGEEK EXPERT TIP

California residents searching for reliable life coverage options can easily access a comprehensive list of life insurance companies from the California Department of Insurance website. This resource is invaluable for comparing and understanding your choices under the state of California's life insurance regulations. Leveraging this list can help you choose a provider that aligns with your financial goals and coverage needs.

Average Cost of Term Life Insurance in California

The average cost of life insurance in California is $73 for women and $89 for men. Factors such as age, gender, health status, the amount of coverage chosen and the term length all influence life insurance premiums.

Californians can use these figures when shopping for life insurance to ensure they're not overpaying for their coverage.

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MONEYGEEK EXPERT TIP

Gathering multiple life insurance quotes in California can help when exploring coverage options in the state. This process ensures you receive the best coverage and price. Many online platforms and insurance brokers offer free quotes, providing a convenient way to see different premiums. By comparing life insurance quotes, you can make an informed decision that best suits your financial and personal needs, potentially saving you a significant amount on premiums over the life of the policy.

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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FAQ: Life Insurance in California

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About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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