State Farm offers the best life insurance in North Dakota 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 alternatives.
Best Life Insurance Companies in North Dakota (June 2025)
Updated: June 9, 2025
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Key Takeaways
Life insurance rates don't change by state, but the best providers in North Dakota include State Farm, GEICO, Nationwide, Haven, and Mutual of Omaha.
GEICO offers the most affordable life insurance in both North Dakota and nationwide, with rates starting at $5 per month.
To find the best life insurance in North Dakota, decide on your coverage needs, research costs and companies, and compare providers.
Best Life Insurance Providers in North Dakota
| State Farm | 99 | $9 |
| GEICO | 98 | $5 |
| Nationwide | 97 | $6 |
| Haven | 97 | $6 |
| Mutual of Omaha | 96 | $7 |
*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 Dakota by Category
While the top life insurance provider is a strong choice for many, your best option may vary based on your needs. Below, we break down the leading providers for different common profiles.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Nationwide | $9 |
| High Coverage | Ameritas | $14 |
Compare Personalized Best North Dakota Life Insurance Picks
Explore our filterable table below to find life insurance options tailored to your personal needs, making it easy to choose the best fit for your profile.
Data filtered by:Results filtered by:
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Age:41-50
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Gender:M
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Coverage Level:250k-500k
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Term:10
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Health Level:Excellent
| State Farm | 99 | $11 |
| GEICO | 98 | $6 |
| Nationwide | 97 | $7 |
| Haven | 97 | $6 |
| Mutual of Omaha | 96 | $7 |
| Protective | 95 | $10 |
| Prudential | 94 | $9 |
| Allstate | 92 | $10 |
| 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 North Dakota
Here's a breakdown of key tips to guide you in finding the best life insurance for you in North Dakota.
- 1
Decide coverage beforehand
Finding out how much life insurance you need before purchasing is crucial. It allows you to compare prices fairly and avoid being oversold by agents. Make sure to have a clear idea of your needs.
- 2
Research costs for your profile
Checking average life insurance costs for your coverage level and personal profile helps assess whether you’re getting a good deal. Location doesn't impact rates, so focus on other personal factors.
- 3
Compare company reputations
Even though rates don't vary by state, understanding a company's reputation locally is beneficial. Use resources like J.D. Power, online forums, and independent agents to find the best providers.
- 4
Compare quotes through multiple avenues
Comparing quotes from multiple companies helps you get the best value. Pricing can vary depending on whether you use an independent agent, online source, or captive provider agent.
Best Life Insurance in North Dakota: Bottom Line
In North Dakota, MoneyGeek's analysis shows that the top three life insurance companies are State Farm, GEICO, and Nationwide. While these are our recommendations, we suggest you assess your personal coverage needs and compare quotes to find the best deal for you.
North Dakota Life Insurance: FAQ
Explore expert answers to common life insurance questions tailored for North Dakota residents.
What is the best life insurance in North Dakota?
In North Dakota, State Farm offers the best overall life insurance, with top-rated customer service, affordable rates and impressive term life coverage options.
How do you get the best life insurance in North Dakota?
To find the best life insurance in North Dakota, set your coverage needs, look into insurers' reputations, and carefully compare policies and premiums.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, though specific policy features and riders may differ based on your location.
How We Decided the Best Life Insurance in North Dakota
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 Dakota:
- 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.