Overall, State Farm offers the best life insurance in Kansas 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 Kansas (June 2025)
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Life insurance rates don’t change by state, but in Kansas, the best providers are State Farm, GEICO, Nationwide, Haven, and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Kansas and nationwide, with monthly rates beginning at $5.
To get the best life insurance in Kansas, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Kansas
| State Farm | 99 | $10 |
| GEICO | 98 | $5 |
| Nationwide | 97 | $6 |
| 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 Kansas by Category
While we've identified the top life insurance company for most in the Sunflower State, your ideal match might differ based on your profile. Below, we’ve broken down the best options for various types of buyers.
| Young Adults | Nationwide | $2 |
| Seniors | GEICO | $21 |
| Smokers | Amica | $10 |
| High Coverage | Nationwide | $14 |
Compare Personalized Best Kansas Life Insurance Picks
To help you find the best life insurance options, we've included a filterable table below, making it simple to match recommendations to your unique profile.
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 | $6 |
| Haven | 97 | $15 |
| Mutual of Omaha | 96 | $7 |
| Protective | 95 | $9 |
| Prudential | 94 | $8 |
| AAA | 92 | $12 |
| Allstate | 92 | $9 |
| 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 Kansas
Below, we've outlined key tips to guide you in selecting the best life insurance options available in the Heartland.
- 1
Decide coverage beforehand
Determining how much life insurance you need is crucial before making a purchase to compare prices fairly. This ensures you avoid being oversold by agents.
- 2
Research costs for your profile
Checking average life insurance costs for your coverage level and personal profile helps you assess if you’re getting a good deal. Remember, life insurance rates are typically unaffected by your location.
- 3
Compare company reputations
While rates may not vary by state, understanding a company’s reputation locally can guide you to a better fit. Use resources like J.D. Power, online forums, and independent agents for research.
- 4
Compare quotes through multiple avenues
Comparing quotes from multiple companies ensures the best value. Quote prices can differ based on where you obtain them, whether through an independent agent, an online platform, or an agent.
Best Life Insurance in Kansas: Bottom Line
We found the top three life insurance companies in Kansas are State Farm, GEICO, and Nationwide. While these are our recommendations, do your own research, decide on a coverage level, and compare quotes to get the best deal possible.
Kansas Life Insurance: FAQ
Discover expert answers to your common life insurance questions in our Kansas FAQ section.
What is the best life insurance in Kansas?
In Kansas, State Farm offers the best overall life insurance with top-rated customer service nationwide, affordable rates at $10 a month, and strong term life coverage options.
How do you get the best life insurance in Kansas?
To secure the right life insurance in Kansas, set your coverage needs, research insurers' reputations and offerings, and compare multiple quotes to ensure a comprehensive policy at a competitive rate.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, though specific policy features and riders might differ based on location.
How We Decided the Best Life Insurance in Kansas
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 Kansas:
- 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.