State Farm offers the best life insurance in the Nutmeg State and nationwide, earning a MoneyGeek score of 99 out of 100 for customer service, affordability, and coverage options. We also recommend GEICO, Haven, Nationwide, and Mutual of Omaha as some of the best affordable alternatives.
Best Life Insurance Companies in Connecticut (June 2025)
Updated: June 9, 2025
Advertising & Editorial Disclosure
Key Takeaways
Life insurance rates remain the same across states, but the top providers in Connecticut are State Farm, GEICO, Haven, Nationwide and Mutual of Omaha.
GEICO offers the most affordable life insurance in Connecticut and nationwide, with rates starting at $3 per month for coverage.
To find the best life insurance in Connecticut, decide on your coverage needs, research costs and companies, and compare providers.
Best Life Insurance Providers in Connecticut
| State Farm | 99 | $5 |
| GEICO | 98 | $3 |
| Haven | 97 | $4 |
| Nationwide | 97 | $3 |
| Mutual of Omaha | 96 | $3 |
*Rates presented are for coverage levels between $250-$500K for a 20 year term life insurance plan for a 40-year-old man in good health who does not smoke.
Best Life Insurance in Connecticut by Category
Although we've identified the top life insurance company for most residents, your ideal choice might differ based on your personal profile. Below, we've detailed the best providers for various common profiles.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Progressive | $10 |
| High Coverage | Farmers | $17 |
Compare Personalized Best Connecticut Life Insurance Picks
To help you find the best life insurance match, we've included a filterable table below, allowing you to tailor our recommendations to your unique profile effortlessly.
Data filtered by:Results filtered by:
Select
Age:41-50
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Gender:M
Select
Coverage Level:250k-500k
Select
Term:10
Select
Health Level:Excellent
| State Farm | 99 | $8 |
| GEICO | 98 | $6 |
| Haven | 97 | $12 |
| Nationwide | 97 | $6 |
| Mutual of Omaha | 96 | $6 |
| Protective | 95 | $8 |
| Prudential | 94 | $7 |
| Allstate | 92 | $8 |
| AAA | 92 | $6 |
| Transamerica | 90 | $6 |
Rates in this table differ from the main comparison due to the broader age range (41 to 50 vs. 40) and flexible term selection rather than a fixed 20-year term.
How to Find the Best Life Insurance in Connecticut
Below we've broken down some key tips to help you find the best life insurance in Connecticut for you:
- 1
Decide coverage beforehand
Determine how much life insurance you need before purchasing. Knowing your required coverage allows you to compare prices correctly and avoid being oversold by agents.
- 2
Research costs for your profile
Check average life insurance costs for your specific coverage level and personal profile to ensure you're getting a fair deal. Most of the time, your location doesn’t affect life insurance rates.
- 3
Compare company reputations
Although rates don’t usually differ by region, a company’s local reputation is key to finding the right fit. Use resources like J.D. Power, online forums, and independent agents to evaluate providers.
- 4
Compare quotes through multiple avenues
Pricing can vary depending on the source, whether it be an independent agent, online resource, or agent, so explore multiple avenues for the best results.
Best Life Insurance in Connecticut: Bottom Line
According to MoneyGeek's analysis, State Farm, GEICO, and Haven are the top three life insurance companies in Connecticut. Nationwide also ranks highly, having the same score as Haven. We recommend that you assess your insurance needs and compare quotes to find the most suitable and affordable coverage.
Connecticut Life Insurance: FAQ
Explore expert answers to your common questions about life insurance in Connecticut.
What is the best life insurance in Connecticut?
In Connecticut, State Farm leads the pack for life insurance, renowned for stellar customer service, economical rates, and comprehensive term policy choices.
How do you get the best life insurance in Connecticut?
Determining the best life insurance in Connecticut means assessing coverage needs, researching insurers for reputation and policies, and methodically comparing quotes to find the optimal plan.
Do life insurance rates differ by state?
No, life insurance rates are generally consistent across states, though specific policy features and riders might differ due to state regulations.
How We Decided The Best Life Insurance in Connecticut
MoneyGeek created a scoring system to compare life insurance companies across five categories and ranked them based on their scores. We selected companies to review based on their broad national coverage and ability to provide an online quote.
MoneyGeek's Scoring System
In our unique scoring system, companies can earn up to five points in each of five categories. We then use these category scores to calculate an overall MoneyGeek score out of 100. We applied the following base weightings to score insurers:
- Affordability: 60%
- Financial Stability: 5%
- Buying Process: 5%
- Customer Satisfaction: 20%
- Product Diversity: 10%
Each company's score incorporates:
- Cost data obtained through online quotes
- Financial strength ratings from AM Best and the number of years in business
- Customer satisfaction data from the National Association of Insurance Commissioners (NAIC) customer complaint index (we reviewed annual complaint data from 2020 to 2022, the most recent year available)
- Availability of tools to aid in the buying process, such as online product materials and multiple payment options
- Diversity of life insurance products offered
Sample Customer Profile
MoneyGeek used a standard profile to obtain life insurance quotes in Connecticut:
- 40-year-old nonsmoker
- Average height and healthy weight
- Excellent health rating
We modified the profile by age, gender, height, weight, tobacco use, health rating and geographic location to collect a variety of quotes and determine the best life insurance company for several types of customers. We collected quotes for term life insurance with varying term lengths and coverage amounts, as well.
When necessary, we identified trends in the dataset and used those patterns to calculate projections and extend the data beyond what was originally collected.
About Mark Fitzpatrick
Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.
Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.