Overall, State Farm offers the best life insurance in Georgia and across the country, 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 Georgia (June 2025)
Updated: June 8, 2025
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Key Takeaways
Though life insurance costs don’t vary by location, the best choices for coverage in Georgia are State Farm, GEICO, Haven, Nationwide, and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Georgia and nationwide, with monthly rates beginning at $5.
Getting the best life insurance in Georgia starts with choosing your coverage amount, researching different companies and costs, and thoroughly comparing providers.
Best Life Insurance Providers in Georgia
| State Farm | 99 | $8 |
| GEICO | 98 | $5 |
| Haven | 97 | $10 |
| Nationwide | 97 | $6 |
| Mutual of Omaha | 96 | $6 |
*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 Georgia by Category
While the top life insurance provider in the Peach State is a solid pick for many, your best choice might differ based on your unique needs. Up next, we break down the leading providers for various profiles.
| Young Adults | Geico | $1 |
| Seniors | Assurity | $27 |
| Smokers | Geico | $8 |
| High Coverage | Bestow | $18 |
Compare Personalized Best Georgia Life Insurance Picks
To help you find the best life insurance fit, we've included a filterable table below that tailors recommendations to your individual profile, making your search simple and efficient.
Data filtered by:Results filtered by:
Select
Age:41-50
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Gender:M
Select
Coverage Level:250k-500k
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Term:10
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Health Level:Excellent
| State Farm | 99 | $10 |
| GEICO | 98 | $6 |
| Nationwide | 97 | $7 |
| Haven | 97 | $16 |
| Mutual of Omaha | 96 | $7 |
| Protective | 95 | $9 |
| Prudential | 94 | $9 |
| AAA | 92 | $8 |
| Allstate | 92 | $7 |
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 Georgia
Below, we've highlighted some key tips to help you find the best life insurance options in the Peach State:
- 1
Decide coverage beforehand
Finding out how much life insurance you need is crucial before purchasing, so you can compare prices fairly and avoid being oversold by agents. This ensures you make informed decisions and secure appropriate coverage.
- 2
Research costs for your profile
Checking average life insurance costs for your coverage level and personal profile helps you assess whether you’re getting a good deal. Note that, in most cases, location does not impact your life insurance rates, streamlining your evaluation process.
- 3
Compare company reputations
Rates typically don’t vary by state, but understanding a company’s reputation in your area can help you find a better fit. Use resources like J.D. Power, online forums, and independent agents to assess which providers are best for your needs.
- 4
Compare quotes through multiple avenues
Comparing quotes from various companies ensures you’re getting the best value. Pricing can vary depending on where you get your quote, whether from an independent agent, an online source, or an agent.
Best Life Insurance in Georgia: Bottom Line
We found the top three life insurance companies in Georgia are State Farm, GEICO, and Haven. While these are our recommendations, you should do your own research, decide on a coverage level, and compare quotes to get the best deal possible.
Georgia Life Insurance: FAQ
Explore expert insights on frequently asked questions about life insurance options for Georgia residents.
What is the best life insurance in Georgia?
"In Georgia, State Farm earns the top spot for life insurance with nationwide praise for its service, reasonable pricing, and solid term policies."
How do you get the best life insurance in Georgia?
To secure the best life insurance in Georgia, compare rates, assess the needed coverage amount, and evaluate insurer reputations and financial stability.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states; policy features and extra protection options may be region-specific.
How We Decided the Best Life Insurance in Georgia
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 Georgia:
- 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.