Overall, State Farm offers the best life insurance in North Carolina 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 alternatives.
Best Life Insurance Companies in North Carolina (June 2025)
Updated: June 9, 2025
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Key Takeaways
While life insurance rates are steady across states, the top providers in the North Carolina State include State Farm, GEICO, Haven, Nationwide and Mutual of Omaha.
GEICO offers the most affordable life insurance in North Carolina and nationwide, with monthly rates starting at just $3.
To find the best life insurance in North Carolina, decide on your coverage needs, research costs and companies, and compare providers.
Best Life Insurance Providers in North Carolina
| State Farm | 99 | $5 |
| GEICO | 98 | $3 |
| Haven | 97 | $5 |
| Nationwide | 97 | $4 |
| 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 North Carolina by Category
Although we've identified the top life insurance company for most, your ideal match might differ based on your personal needs. Next, we break down the best options for various buyer profiles to help you choose wisely.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Nationwide | $9 |
| High Coverage | GEICO | $14 |
Compare Personalized Best North Carolina Life Insurance Picks
To help you find the best life insurance fit, we've included a filterable table below that tailors recommendations to match your unique profile.
Data filtered by:Results filtered by:
Select
Age:41-50
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Gender:M
Select
Coverage Level:250k-500k
Select
Term:10
Select
Health Level:Excellent
| State Farm | 99 | $6 |
| GEICO | 98 | $4 |
| Nationwide | 97 | $4 |
| Haven | 97 | $9 |
| Mutual of Omaha | 96 | $4 |
| Protective | 95 | $5 |
| Prudential | 94 | $5 |
| AAA | 92 | $7 |
| Allstate | 92 | $5 |
| 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 North Carolina
Explore our tips to discover the best life insurance options tailored for you in North Carolina
- 1
Decide coverage beforehand
It's important to determine how much life insurance you need before purchasing. This allows you to 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 assessment helps gauge whether you’re getting a good deal. Location doesn't impact your life insurance rates.
- 3
Compare company reputations
Though rates usually remain consistent across states, understanding a company's reputation locally can guide you to a better fit. Use resources like J.D. Power, online forums and independent agents to evaluate provider quality.
- 4
Compare quotes through multiple avenues
Compare quotes from diverse sources to ensure you're receiving the best value. Prices can differ based on the quote source, whether from an independent agent, online platform, or captive provider agent.
Best Life Insurance in North Carolina: Bottom Line
We found the top three life insurance companies in North Carolina are State Farm, GEICO, and Haven. Do your own research, decide on a coverage level and compare quotes to get the best deal possible.
North Carolina Life Insurance: FAQ
Here are expert answers to frequently asked questions about life insurance for North Carolina residents.
What is the best life insurance in North Carolina?
In North Carolina, State Farm offers the best overall life insurance, with nationwide top-rated customer service, affordable pricing, and strong term life coverage options.
How do you get the best life insurance in North Carolina?
To secure the best life insurance in North Carolina, set your coverage goals, diligently research insurers, compare their plans and premiums, and carefully review their reputations and financial stability.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, though specific coverage details and riders can differ based on local regulations.
How We Decided the Best Life Insurance in North Carolina
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 North Carolina:
- 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.