Overall, State Farm offers the best life insurance in New Hampshire and across the country, earning a MoneyGeek Score of 99 out of 100 for customer service, affordability, and coverage options. We also recommend GEICO, Haven, Nationwide, and Mutual of Omaha as some of the best affordable alternatives.
Best Life Insurance Companies in New Hampshire (June 2025)
Updated: June 9, 2025
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Key Takeaways
Life insurance rates don't change by state, but in New Hampshire, the best providers are State Farm, GEICO, Haven, Nationwide, and Mutual of Omaha.
GEICO offers the most affordable life insurance options both in New Hampshire and nationwide, with monthly rates starting at $2.
To find the best life insurance in the region, decide on your coverage needs, research costs and companies, and thoroughly compare providers.
Best Life Insurance Providers in New Hampshire
| State Farm | 99 | $4 |
| GEICO | 98 | $2 |
| Haven | 97 | $3 |
| Nationwide | 97 | $2 |
| 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 New Hampshire by Category
While the top life insurance provider in New Hampshire is a great fit for many, your ideal choice might differ based on your needs. Below, we've detailed the best providers for various common profiles.
| Young Adults | Progressive | $2 |
| Seniors | Transamerica | $34 |
| Smokers | Progressive | $10 |
| High Coverage | Bestow | $18 |
Compare Personalized Best New Hampshire Life Insurance Picks
To help you find life insurance that fits your needs, we've included a filterable table below, making it easy to see options that match your profile.
Data filtered by:Results filtered by:
Select
Age:41-50
Select
Gender:M
Select
Coverage Level:250k-500k
Select
Term:10
Select
Health Level:Excellent
| State Farm | 99 | $7 |
| GEICO | 98 | $5 |
| Haven | 97 | $10 |
| Nationwide | 97 | $6 |
| Mutual of Omaha | 96 | $5 |
| Protective | 95 | $7 |
| Prudential | 94 | $6 |
| Allstate | 92 | $7 |
| AAA | 92 | $6 |
| 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 New Hampshire
Discover essential tips to guide you in selecting the ideal life insurance policy in New Hampshire.
- 1
Decide coverage beforehand
Finding out how much life insurance you need is helpful before purchasing. This ensures you can compare prices fairly and avoid being oversold by agents.
- 2
Research costs for your profile
Checking average life insurance costs for your desired coverage level and personal profile helps you assess if you’re getting a good deal. Your location does not affect life insurance rates.
- 3
Compare company reputations
Rates remain the same across different states, but a company’s local reputation can guide you to a better fit. Resources like J.D. Power, online forums, and independent agents can help evaluate providers.
- 4
Compare quotes through multiple avenues
Compare quotes to secure the best value. Pricing can differ depending on where you acquire quotes, whether from an independent agent, an online source, or a captive provider agent.
Best Life Insurance in New Hampshire: Bottom Line
In New Hampshire, the top three life insurance companies are State Farm, GEICO, and Haven, according to MoneyGeek's analysis. We recommend evaluating your coverage needs and comparing quotes to ensure you secure the best deal possible.
New Hampshire Life Insurance: FAQ
Explore our FAQ section for expert answers to common questions about life insurance in New Hampshire.
What is the best life insurance in New Hampshire?
In New Hampshire, State Farm offers the best overall life insurance, featuring top-rated nationwide customer service, competitive rates, and robust term life options.
How do you get the best life insurance in New Hampshire?
To find the best life insurance in New Hampshire, set your coverage needs, review insurers' reputations and financial strength and contrast different quotes.
Do life insurance rates differ by state?
No, life insurance rates are generally consistent across states, though specific policy features and riders might differ due to state regulations.
How We Decided the Best Life Insurance in New Hampshire
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 New Hampshire:
- 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.