Overall, State Farm offers the best life insurance in Nevada 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 Nevada (June 2025)
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Life insurance rates don’t change by state, but in Nevada, the best providers are State Farm, GEICO, Nationwide, Haven and Mutual of Omaha.
GEICO offers the cheapest life insurance options in Nevada and nationwide, with monthly rates beginning at $3.
To find the best life insurance in Nevada, decide on coverage needs, research costs and companies, and compare plenty of providers.
Best Life Insurance Providers in Nevada
| State Farm | 99 | $6 |
| GEICO | 98 | $3 |
| Nationwide | 97 | $4 |
| Haven | 97 | $6 |
| 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 Nevada by Category
While the top life insurance provider is a great choice for most, your ideal option might differ based on your personal profile. Below, we break down the leading providers for common profiles, helping you find the best fit.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Progressive | $10 |
| High Coverage | Bestow | $18 |
Compare Personalized Best Nevada Life Insurance Picks
To help you find the best life insurance for your needs, we've included a filterable table below that tailors recommendations to fit 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 |
| Haven | 97 | $16 |
| Nationwide | 97 | $7 |
| Mutual of Omaha | 96 | $7 |
| Protective | 95 | $10 |
| Prudential | 94 | $8 |
| Allstate | 92 | $11 |
| AAA | 92 | $12 |
| Transamerica | 90 | $7 |
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 Nevada
Check out our key tips to help you find the best life insurance in Nevada.
- 1
Decide coverage beforehand
Finding out how much life insurance you need is important before purchasing. This helps you compare prices fairly and avoid being oversold by agents.
- 2
Research costs for your profile
Check average life insurance costs for your coverage level and personal profile. This helps you assess if you’re getting a good deal. In most cases, location does not impact your life insurance rates.
- 3
Compare company reputations
Although rates don’t typically vary by state, understanding a company’s reputation in your area can help you find a better fit. Use resources like 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 Nevada: Bottom Line
We found the top three life insurance companies in Nevada are State Farm, GEICO and Nationwide. While these are our recommendations, you should do your own research, decide on a coverage level and compare quotes to get the best deal possible.
Nevada Life Insurance: FAQ
Below are expert answers to frequently asked questions about life insurance for residents of Nevada.
What is the best life insurance in Nevada?
In Nevada, State Farm offers the best overall life insurance with top customer service nationwide, affordable rates at $6 monthly, and strong term coverage options.
How do you get the best life insurance in Nevada?
To secure the best life insurance in Nevada, assess your coverage needs, check insurer reputations and policies and look at multiple quotes.
Do life insurance rates differ by state?
No, life insurance rates are usually the same across states because insurers use consistent underwriting criteria nationwide based on age, health and coverage amount. Small variations can occur due to state-specific taxes, fees or regulations.
How We Decided the Best Life Insurance in Nevada
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 Nevada:
- 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.