Overall, State Farm offers the best life insurance in Hawaii 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 Hawaii (June 2025)
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Though life insurance costs don’t vary by location, the best choices for coverage in the Aloha State are State Farm, GEICO, Haven, Nationwide, and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Hawaii and nationwide, with monthly rates beginning at $4.
To get the best life insurance in Hawaii, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Hawaii
| State Farm | 99 | $5 |
| GEICO | 98 | $4 |
| Haven | 97 | $6 |
| Nationwide | 97 | $5 |
| Mutual of Omaha | 96 | $5 |
*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 Hawaii by Category
While the top life insurance provider is a great choice for many, your best option might differ based on your personal profile. Next, we’ll explore the leading providers tailored to various common profiles.
| Young Adults | Progressive | $2 |
| Seniors | Protective | $26 |
| Smokers | Progressive | $10 |
| High Coverage | Farmers | $17 |
Compare Personalized Best Hawaii Life Insurance Picks
To help you find the best fit, we've included a filterable table below, allowing you to easily match life insurance options to your unique profile.
Data filtered by:Results filtered by:
Select
Age:41-50
Select
Gender:M
Select
Coverage Level:250k-500k
Select
Term:10
Select
Health Level:Excellent
| State Farm | 99 | $7 |
| GEICO | 98 | $5 |
| Nationwide | 97 | $5 |
| Haven | 97 | $11 |
| Mutual of Omaha | 96 | $6 |
| Protective | 95 | $7 |
| Prudential | 94 | $7 |
| Allstate | 92 | $7 |
| AAA | 92 | $6 |
| Transamerica | 90 | $4 |
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 Hawaii
Here's a breakdown of essential tips to help you choose the best life insurance in the Aloha State.
- 1
Decide coverage beforehand
Determining how much life insurance you need is essential before buying. This knowledge allows you to compare prices fairly and avoid being oversold by agents. For more guidance, check how much life insurance you need.
- 2
Research costs for your profile
Understanding average life insurance costs for your desired coverage and personal profile can help you determine if you're getting a good deal. In most situations, your location doesn’t affect your life insurance rates, allowing you to focus on other factors.
- 3
Compare company reputations
While life insurance rates don’t fluctuate by state, knowing a company’s reputation locally can guide better choices. Use J.D. Power, online forums, and independent agents to evaluate providers.
- 4
Compare quotes through multiple avenues
Prices can vary based on whether you obtain quotes from an independent agent, an online source, or an agent. Evaluate these to maximize your savings.
Best Life Insurance in Hawaii: Bottom Line
We found the top three life insurance companies in Hawaii are State Farm, GEICO, and Haven. While these are our recommendations, do your own research, decide on a coverage level, and compare quotes to get the best deal possible.
Hawaii Life Insurance: FAQ
Explore expert insights in our FAQ section to answer your common life insurance questions in Hawaii.
What is the best life insurance in Hawaii?
In Hawaii, State Farm secures the best overall life insurance, boasting nationwide recognition for service, cost-effective rates, and robust term life options.
How do you get the best life insurance in Hawaii?
To secure the best life insurance in Hawaii, start by defining your coverage needs, thoroughly evaluating insurers, and meticulously comparing their premiums and reputations.
Do life insurance rates differ by state?
No, life insurance rates are generally consistent across states, yet specific policy features and riders can differ by region.
How We Decided the Best Life Insurance in Hawaii
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 Hawaii:
- 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.