Best Life Insurance in Ohio (May 2024)


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Updated: July 12, 2024

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In Ohio, for men, Nationwide is the top life insurance provider, with a MoneyGeek score of 97 and a monthly premium of $16. Women find their best option with GEICO, with a MoneyGeek score of 96 and a monthly premium of $13. Different factors shape the best life insurance purchase: policy types, coverage needs and premium affordability.

Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in Ohio.

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Coverage costs and company information for life insurance providers were updated in March 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes

Best Life Insurance in Ohio: Summary

Data filtered by:Results filtered by:
Category:
Category:Best Life Insurance Overall
Gender:
Gender:M
NationwideRank1MoneyGeek Score97
GEICORank2MoneyGeek Score97
Mutual of OmahaRank3MoneyGeek Score95
ProtectiveRank4MoneyGeek Score93
State FarmRank5MoneyGeek Score93

Overall Best Life Insurance in Ohio

How was this MoneyGeek score calculated?

Nationwide is the premier life insurance provider in Ohio for men, with a MoneyGeek score of 97 and a monthly premium of $16. For women, GEICO leads with a MoneyGeek score of 96 and a monthly premium of $13.

The top three providers in Ohio are:

  • Nationwide: MoneyGeek score of 97 out of 100 ($16 per month for women and men)
  • GEICO: MoneyGeek score of 97 out of 100 ($13 per month for women and men)
  • Protective: MoneyGeek score of 96 out of 100 ($12 per month for women; $17 per month for men)

Overall Best for Men: Nationwide

COMPANY HIGHLIGHTS

Nationwide provides the best life insurance in Ohio for men, with robust coverage and service. It earned a MoneyGeek score of 97 and offers a monthly premium of $16.

Pros:

  • High customer contentment
  • High cost-effectiveness
  • Diverse and flexible insurance options

Overall Best for Women: GEICO

COMPANY HIGHLIGHTS

As Ohio's leading life insurance provider for women, GEICO stands out with a MoneyGeek score of 96. It offers monthly premiums at $13.

Pros:

  • High customer satisfaction rates
  • Excellent affordability
  • Solid financial stability

Cons:

  • Limited product diversity

Best Term Life Insurance in Ohio

How was this MoneyGeek score calculated?

Nationwide is the premier provider of the best term life insurance in Ohio. The company has a MoneyGeek score of 97 regardless of gender, with an affordable monthly premium of $12 for women and $13 for men.

  • Nationwide: MoneyGeek score of 97 out of 100 ($12 per month for women; $13 per month for men)
  • GEICO: MoneyGeek score of 97 out of 100 ($10 per month for women and men)
  • Mutual of Omaha: MoneyGeek score of 96 out of 100 ($11 per month for women; $10 per month for men)

Best Term Life: Nationwide

COMPANY HIGHLIGHTS

With a MoneyGeek score of 97, Nationwide is the best term life insurance option in Ohio. The monthly premium is $12, making it a smart financial decision.

Pros:

  • Exceptional customer satisfaction
  • Highly affordable rates
  • Diverse range of products

Best Whole Life Insurance in Ohio

How was this MoneyGeek score calculated?

State Farm is the best whole life insurance option in Ohio. It earned a MoneyGeek score of 99.

The companies with the three highest MoneyGeek scores are:

  • State Farm: MoneyGeek score of 99 out of 100
  • Nationwide: MoneyGeek score of 98 out of 100
  • American Family Insurance: MoneyGeek score of 96 out of 100

Best Whole Life: State Farm

COMPANY HIGHLIGHTS

State Farm is the leading provider of whole life insurance in Ohio, with the top MoneyGeek score of 99. It scored well due to its exceptional customer satisfaction and robust financial stability.

Pros:

  • High customer satisfaction
  • Diverse product offerings
  • Straightforward buying process

Compare Life Insurance Rates

Ensure you're getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.

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Best Universal Life Insurance in Ohio

How was this MoneyGeek score calculated?

With a MoneyGeek score of 99, Nationwide is the premier provider of the best universal life insurance in Ohio. Its near-perfect scores are due to its high customer satisfaction, affordability, product diversity and process stability.

The three top scorers are:

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 98 out of 100
  • American Family Insurance: MoneyGeek score of 97 out of 100

Best Universal Life: Nationwide

COMPANY HIGHLIGHTS

Nationwide is the top insurer for universal life insurance in Ohio. With a MoneyGeek score of 99, it's the choice for people prioritizing quality and service.

Pros:

  • High customer satisfaction
  • Diverse range of products

Best No-Medical-Exam Life Insurance in Ohio

How was this MoneyGeek score calculated?

Nationwide is the best no-medical-exam life insurance provider in Ohio, with a MoneyGeek score of 99. Nationwide's consistency across all categories underscores its commitment to providing comprehensive and accessible life insurance solutions without the need for medical examinations.

The top three highest scores were earned by:

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 99 out of 100
  • American Family Insurance: MoneyGeek score of 98 out of 100

Best No-Medical-Exam Life Insurance Ohio

COMPANY HIGHLIGHTS

Nationwide, with a MoneyGeek score of 99, is the premier provider of no-medical-exam life insurance in Ohio. Its trusted reputation makes it the best choice for those seeking reliable coverage without the hassle of a medical exam.

Pros:

  • Outstanding customer satisfaction
  • Diverse range of insurance products

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Ohio

How was this MoneyGeek score calculated?

Nationwide is the provider of the best term life insurance for seniors in Ohio. It earned scores of 98 for women and 97 for men and offers monthly premiums averaging $45 for women and $48 for men, Nationwide's high customer satisfaction and robust financial stability positions them as the top choice for seniors seeking reliable coverage.

Best Term Life Insurance for Seniors in Ohio
Data filtered by:Results filtered by:
Sex:
Sex:M
NationwideRank1Monthly Premium$48MoneyGeek Score97
GEICORank2Monthly Premium$40MoneyGeek Score97
Mutual of OmahaRank3Monthly Premium$49MoneyGeek Score96
State FarmRank4Monthly Premium$86MoneyGeek Score93
ProtectiveRank5Monthly Premium$57MoneyGeek Score93

Best Term Life Insurance for Smokers in Ohio

How was this MoneyGeek score calculated?

Two companies offer the best term life insurance for smokers in Ohio. GEICO is best for men, with a MoneyGeek score at 96 and a monthly premium cost of $24. For women, Allstate tops the chart, with a MoneyGeek score of 94 and a monthly premium of $15. These insurers rise above the rest due to a combination of exceptional satisfaction, affordability and financial stability.

Best Term Life Insurance for Smokers in Ohio
Data filtered by:Results filtered by:
Sex:
Sex:M
GEICORank1Monthly Premium$24MoneyGeek Score96
Mutual of OmahaRank2Monthly Premium$26MoneyGeek Score96
NationwideRank3Monthly Premium$32MoneyGeek Score96
State FarmRank4Monthly Premium$37MoneyGeek Score95
PrudentialRank5Monthly Premium$26MoneyGeek Score94

Best Term Life Insurance for Young Adults in Ohio

How was this MoneyGeek score calculated?

Nationwide offers the best term life insurance for young adults in Ohio. Offering a MoneyGeek Score of approximately 97 for women and 98 for men, the monthly premium costs are $11 for women and $9 for men. Nationwide's exemplary satisfaction and process scores are the primary contributors to its leading position, ensuring that young adults in Ohio receive not only affordable but also reliable term life insurance services.

Best Term Life Insurance for Young Adults in Ohio
Data filtered by:Results filtered by:
Sex:
Sex:M
NationwideRank1Monthly Premium$9MoneyGeek Score98
Mutual of OmahaRank2Monthly Premium$8MoneyGeek Score97
GEICORank3Monthly Premium$6MoneyGeek Score97
State FarmRank4Monthly Premium$14MoneyGeek Score95
ProtectiveRank5Monthly Premium$8MoneyGeek Score95

Best Cheap Term Life Insurance in Ohio

How was this MoneyGeek score calculated?

Transamerica and GEICO are provide the best cheap term life insurance in Ohio, boasting MoneyGeek scores of 97 regardless of gender, with monthly premiums of $9 and $10 for women and men, respectively. These scores signify their exceptional service and product offerings in the competitive term life insurance market. Both companies have set themselves apart by achieving the highest marks for quality coverage at affordable rates.

Best Cheap Term Life Insurance in Ohio
Data filtered by:Results filtered by:
Gender:
Gender:M
GEICOMonthly Premium$10MoneyGeek Score97
NationwideMonthly Premium$13MoneyGeek Score96
Mutual of OmahaMonthly Premium$12MoneyGeek Score96
TransamericaMonthly Premium$14MoneyGeek Score93
ProtectiveMonthly Premium$13MoneyGeek Score93

Average Cost of Term Life Insurance in Ohio

The average cost of life insurance in Ohio is $30 for women and $41 for men. This difference highlights how gender impacts the average cost of life insurance. Other factors influencing these costs include age, health, coverage amount, term length and lifestyle. Smokers, for example, often face higher premiums.

FAQ: Life Insurance in Ohio

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About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.