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 affordable alternatives.
Best Life Insurance Companies in Hawaii (2025)
Updated: October 7, 2025
Advertising & Editorial Disclosure
Key Takeaways
Though life insurance costs don't vary by location, the best choices for coverage in Hawaii 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 multiple 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 differs based on your personal profile. Next, we'll explore the leading providers tailored to 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
Choose the best life insurance in Hawaii with these tips:
- 1
Decide coverage beforehand
Determine how much life insurance you need before buying. This knowledge helps you compare prices fairly and avoid being oversold by agents. For help, try our life insurance needs calculator.
- 2
Research costs for your profile
Understanding average life insurance costs for your desired coverage and personal profile helps you determine if you're getting a good deal. Your location doesn't affect your life insurance rates, allowing you to focus on other factors.
- 3
Compare company reputations
Life insurance rates don't fluctuate by state, but knowing a company's reputation locally guides better choices. Use J.D. Power, online forums, and independent agents to evaluate providers.
- 4
Compare quotes through multiple avenues
Prices differ based on whether you obtain quotes from an independent agent, an online source, or a company agent. Evaluate these to maximize your savings.
Best Life Insurance in Hawaii: Bottom Line
The top three life insurance companies in Hawaii are State Farm, GEICO, and Haven. Compare quotes from multiple providers to get the best deal for your coverage needs.
Hawaii Life Insurance: FAQ
Explore expert insights to answer your common life insurance questions in Hawaii.
What is the best life insurance in Hawaii?
In Hawaii, State Farm offers the best overall life insurance, with nationwide recognition for service, cost-effective rates and strong term life options.
How do you get the best life insurance in Hawaii?
To get the best life insurance in Hawaii, start by defining your coverage needs, evaluating insurers and comparing their premiums and reputations.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, though specific policy features and riders differ by region.
How We Decided the Best Life Insurance in Hawaii
Our Research Approach
Life insurance rates don't vary by state; a 40-year-old nonsmoker in Honolulu pays the same as someone in Houston. So why focus on Hawaii? Because the companies willing to serve Hawaii residents, their customer service quality and their product availability matter when you need to file a claim or adjust your policy from the islands.
We analyzed quotes from major national insurers serving Hawaii, scoring them on affordability, financial strength, customer satisfaction and buying experience to identify which companies offer the best combination of low rates and reliable service for Hawaii residents.
Why These Five Factors Matter
Affordability (60%): Since rates are consistent nationwide, we focused on identifying the lowest-cost providers. A few dollars monthly difference compounds to hundreds over a 20-year term.
Customer Satisfaction (20%): NAIC complaint data reveals how insurers handle claims and service requests. This matters especially in Hawaii, where working with mainland-based insurers from a remote location requires responsive customer service.
Financial Stability (5%): AM Best ratings ensure your insurer will pay claims decades from now. We prioritized companies with A+ or higher ratings and substantial operating history.
Buying Process (5%): Online quote tools, digital applications and flexible payment options matter when you're 2,500 miles from most insurers' headquarters.
Product Diversity (10%): Availability of term lengths, coverage amounts and policy types that match different life stages and needs.
How We Scored Companies
We gathered quotes from major insurers offering coverage in Hawaii, rating each company up to five points per category. These scores create an overall MoneyGeek rating out of 100 points using the weightings above.
Our Standard Profile
We collected quotes using this baseline:
- 40-year-old nonsmoker
- Average height and healthy weight
- Excellent health rating
We then gathered quotes across different ages, genders, health ratings, coverage amounts and term lengths to determine which companies offer the best value for various customer profiles, from young adults to seniors, smokers to those needing high coverage amounts.
What We Analyzed
Premium Costs: Online quotes for term life policies ranging from $100,000 to $2 million in coverage across 10-, 20- and 30-year terms
Customer Service Quality: NAIC complaint index data from 2020-2022, showing real customer experiences beyond marketing claims
Financial Strength: AM Best ratings and years in business to assess long-term claims-paying ability
Digital Tools: Availability of online quotes, applications, policy management and payment options, important when working with mainland insurers
Product Options: Range of coverage amounts, term lengths and policy types offered
Why This Matters for Hawaii Residents
Most life insurance advice focuses on rate differences by location. Since rates are consistent nationwide, Hawaii residents benefit from focusing on which national insurers offer the best combination of competitive pricing and responsive service. Our methodology identifies these companies, helping you avoid spending time on insurers that either don't serve Hawaii well or charge significantly more than competitors for identical coverage.
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.