Overall, State Farm offers the best life insurance in Idaho and across the country, earning a MoneyGeek Score of 99 out of 100 for customer service, affordability, and coverage options. We also recommend GEICO, Nationwide, Haven, and Mutual of Omaha as some of the best affordable alternatives.
Best Life Insurance Companies in Idaho (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 Idaho are State Farm, GEICO, Nationwide, Haven and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Idaho and nationwide, with monthly rates beginning at $5.
To get the best life insurance in Idaho, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Idaho
| State Farm | 99 | $8 |
| GEICO | 98 | $5 |
| Nationwide | 97 | $5 |
| Haven | 97 | $9 |
| 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 Idaho by Category
While the top life insurance provider is a solid choice for most, your best option might differ based on your needs. Below, we break down the leading providers for various common profiles.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Farmers | $10 |
| High Coverage | GEICO | $14 |
Compare Personalized Best Idaho Life Insurance Picks
To help you find the perfect life insurance match, we've created a filterable table below, allowing you to tailor our recommendations to suit your unique needs and preferences.
Data filtered by:Results filtered by:
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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 | $9 |
| GEICO | 98 | $5 |
| Nationwide | 97 | $6 |
| Haven | 97 | $15 |
| Mutual of Omaha | 96 | $6 |
| Protective | 95 | $10 |
| Prudential | 94 | $8 |
| Allstate | 92 | $9 |
| AAA | 92 | $8 |
| Transamerica | 90 | $5 |
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 Idaho
Explore our key advice to navigate life insurance options effectively in Idaho.
- 1
Decide coverage beforehand
Determining how much life insurance you need is crucial before purchasing. This way, you can compare prices fairly and avoid being oversold by agents.
- 2
Research costs for your profile
Investigate average life insurance costs based on your coverage level and personal profile to determine if you're getting a good deal. Typically, location doesn’t impact life insurance rates, so focus on factors like age, health, and coverage amount for accurate pricing.
- 3
Compare company reputations
While state-based rate variations are uncommon, understanding a company's reputation can inform a better insurer choice.Use J.D. Power, online forums, and independent agents to find the right provider.
- 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 Idaho: Bottom Line
In Idaho, our top three life insurance recommendations are State Farm, GEICO, and Nationwide. That said, we recommend evaluating your personal needs, setting a coverage level, and shopping around for quotes to find the right fit.
Idaho Life Insurance: FAQ
Explore our expert answers to common life insurance questions for residents of Idaho.
What is the best life insurance in Idaho?
In Idaho, State Farm stands out for life insurance due to its exceptional customer service, competitive prices, and robust term life offerings.
How do you get the best life insurance in Idaho?
To secure the best life insurance in Idaho, begin by defining your coverage needs, scrutinize insurer reputations, and assess various quotes to find a suitable plan at a reasonable cost.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, though specific policy features and add-ons can vary by location. Life insurance premiums remain stable nationwide, while state-specific regulations may influence policy details and supplementary benefits.
How We Decided the Best Life Insurance in Idaho
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 Idaho:
- 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.