State Farm offers the best life insurance in Missouri and nationwide, earning a MoneyGeek score of 99 out of 100 based on customer service, affordability, and coverage options. We also recommend GEICO, Haven, Nationwide and Mutual of Omaha as some affordable alternatives.
Best Life Insurance Companies in Missouri (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 Missouri are State Farm, GEICO, Haven, Nationwide and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Missouri and nationwide, with monthly rates beginning at $3.
To get the best life insurance in Missouri, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Missouri
| State Farm | 99 | $5 |
| GEICO | 98 | $3 |
| Haven | 97 | $5 |
| Nationwide | 97 | $3 |
| Mutual of Omaha | 96 | $4 |
*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 Missouri by Category
While the top life insurance provider in Missouri is a great pick for most, your best choice might differ based on your personal details. Up next, we'll explore the top providers for various profiles.
| Young Adults | Progressive | $2 |
| Seniors | Geico | $21 |
| Smokers | Progressive | $10 |
| High Coverage | Nationwide | $14 |
Compare Personalized Best Missouri Life Insurance Picks
To help you find the best life insurance match, we've included a filterable table below that tailors recommendations to your unique profile, making your search simple and efficient.
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 | $5 |
| GEICO | 98 | $3 |
| Haven | 97 | $8 |
| Nationwide | 97 | $4 |
| Mutual of Omaha | 96 | $4 |
| Protective | 95 | $5 |
| Prudential | 94 | $5 |
| AAA | 92 | $7 |
| Allstate | 92 | $3 |
| 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 Missouri
Below we've broken down some tips to help you find the best life insurance in Missouri:
- 1
Decide coverage beforehand
Determining how much life insurance you need is essential before purchasing, so you can compare prices fairly and 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 whether you’re getting a good deal.
- 3
Compare company reputations
Rates typically don’t vary by state, but understanding a company’s reputation locally can lead to a better fit. Use resources like J.D. Power, online forums and independent agents to find the best provider for your needs.
- 4
Compare quotes through multiple avenues
Pricing can vary based on where you obtain quotes, whether through an independent agent, an online source, or an agent. Evaluate quotes equally to find the best deal.
Best Life Insurance in Missouri: Bottom Line
In Missouri, the top three life insurance companies are State Farm, GEICO and Haven, based on MoneyGeek's analysis. Assess your coverage needs, research thoroughly, and compare quotes to secure the most suitable and affordable life insurance plan.
Missouri Life Insurance: FAQ
Explore our expert answers to common questions about life insurance for residents of Missouri.
What is the best life insurance in Missouri?
In Missouri, State Farm offers the best overall life insurance with top customer service nationwide, competitive rates at around $5 monthly, and robust term coverage options.
How do you get the best life insurance in Missouri?
To secure the best life insurance in Missouri, assess your needs, examine insurer reputations, and compare rate quotes. Understanding your coverage requirements is essential when looking for insurance.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, though coverage details and policy riders may differ based on local regulations.
How We Decided the Best Life Insurance in Missouri
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 Missouri:
- 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.