State Farm offers the best life insurance in Kentucky and across the nation, earning a MoneyGeek score of 99 out of 100 for its customer service, affordability, and coverage options. We also recommend GEICO, Haven, Nationwide and Mutual of Omaha.
Best Life Insurance Companies in Kentucky (June 2025)
Updated: June 18, 2025
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Key Takeaways
Life insurance rates don't change by state, but in Kentucky, the best providers are State Farm, GEICO, Haven, Nationwide, and Mutual of Omaha.
GEICO delivers the cheapest life insurance options nationwide and in Kentucky, with monthly rates beginning at $3.
To get the best life insurance in Kentucky, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Kentucky
| State Farm | 99 | $5 |
| GEICO | 98 | $3 |
| Haven | 97 | $5 |
| Nationwide | 97 | $3 |
| Mutual of Omaha | 96 | $3 |
*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 Kentucky by Category
While the top life insurance provider in Kentucky is a great pick for many, your best fit might vary based on your needs. Below, we detail the leading providers for different common profiles.
| Young Adults | Bestow | $2 |
| Seniors | Amica | $26 |
| Smokers | Farmers | $10 |
| High Coverage | Farmers | $17 |
Compare Personalized Best Kentucky Life Insurance Picks
To help you find the perfect life insurance match, we've included a filterable table below that tailors our 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 | $5 |
| GEICO | 98 | $3 |
| Haven | 97 | $8 |
| Nationwide | 97 | $3 |
| Mutual of Omaha | 96 | $4 |
| Protective | 95 | $5 |
| Prudential | 94 | $5 |
| AAA | 92 | $6 |
| Allstate | 92 | $5 |
| Transamerica | 90 | $3 |
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 Kentucky
Below, we highlight essential tips to guide you in choosing the best life insurance in Kentucky.
- 1
Decide coverage beforehand
Determine your life insurance needs so you can compare prices fairly. This prevents you from being oversold. Find out how much life insurance you need to help with decision-making.
- 2
Research costs for your profile
Investigate average life insurance costs that match your coverage requirements and personal profile. This helps ensure you're getting a fair deal. Typically, your location won't affect your life insurance rates, so focus on other personal factors.
- 3
Compare company reputations
Though rates usually don’t vary by state, understanding a company's reputation locally can help secure a better fit. Use J.D. Power, online forums and independent agents to evaluate providers.
- 4
Compare quotes through multiple avenues
The rate you find varies based on the source. For instance, if you find rate information online or from an independent agent.
Best Life Insurance in Kentucky: Bottom Line
We found the top three life insurance companies in Kentucky 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.
Kentucky Life Insurance: FAQ
Explore our expert answers to common questions about life insurance for residents of Kentucky.
What is the best life insurance in Kentucky?
In Kentucky, State Farm offers the best overall life insurance with nationwide top-rated customer service, affordable rates, and strong term life coverage options.
How do you get the best life insurance in Kentucky?
To secure the best life insurance in Kentucky, assess your coverage needs, scrutinize insurer reputations and benefits, and compare premium quotes from multiple carriers.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states; however, policy features and riders may differ based on local regulations and offerings.
How We Decided the Best Life Insurance in Kentucky
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 Kentucky:
- 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.