State Farm offers the best life insurance in Ohio 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 alternatives.
Best Life Insurance Companies in Ohio (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 Ohio are State Farm, GEICO, Nationwide, Haven and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Ohio and nationwide, with monthly rates beginning at $3.
To get the best life insurance in Ohio, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Ohio
| State Farm | 99 | $5 |
| GEICO | 98 | $3 |
| Nationwide | 97 | $3 |
| Haven | 97 | $5 |
| 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 Ohio by Category
While the top life insurance provider is a good choice for many in Ohio, your best option might differ based on your personal needs. The next section will outline the top providers for different common profiles.
| Young Adults | Progressive | $2 |
| Seniors | Assurity | $27 |
| Smokers | Progressive | $10 |
| High Coverage | Farmers | $17 |
Compare Personalized Best Ohio Life Insurance Picks
To help you find the perfect life insurance plan, we've added a filterable table below that tailors our recommendations to fit your unique profile.
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 |
| Allstate | 92 | $4 |
| AAA | 92 | $7 |
| 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 Ohio
Here are some practical tips to guide you in finding the most suitable life insurance options in Ohio.
- 1
Decide coverage beforehand
Determining how much life insurance you need is crucial before purchasing. This allows you to compare prices accurately and avoid being upsold by agents.
- 2
Research costs for your profile
Check the average life insurance costs for your coverage level and personal profile. This helps assess if you’re getting a fair deal. Usually, location doesn't affect life insurance rates.
- 3
Compare company reputations
While rates generally don’t fluctuate by location, a company's local reputation can guide you to a better choice. Use resources like J.D. Power, online forums, and independent agents to find suitable 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 Ohio: Bottom Line
We found the top three life insurance companies in Ohio 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.
Ohio Life Insurance: FAQ
Explore expert answers to your life insurance questions in Ohio.
What is the best life insurance in Ohio?
In Ohio, State Farm offers the best overall life insurance with its top-rated customer service, competitive rates, and strong term life coverage options.
How do you get the best life insurance in Ohio?
To secure the best life insurance in Ohio, assess your coverage needs, scrutinize insurer reputations, and methodically compare rates and policies from multiple companies.
Do life insurance rates differ by state?
Life insurance rates are consistent across states, but state-specific coverage options and riders can differ.
How We Decided the Best Life Insurance in Ohio
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 Ohio:
- 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.