State Farm offers the best life insurance in Oklahoma, 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 Oklahoma (June 2025)
Updated: June 8, 2025
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Key Takeaways
Life insurance rates don't change by state, but in Oklahoma, the best providers are State Farm, GEICO, Haven, Nationwide and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Oklahoma and nationwide, with monthly rates beginning at $5.
To find the best life insurance in Oklahoma, decide on coverage needs, research costs and companies, and compare plenty of providers.
Best Life Insurance Providers in Oklahoma
| State Farm | 99 | $7 |
| GEICO | 98 | $5 |
| Haven | 97 | $9 |
| Nationwide | 97 | $5 |
| Mutual of Omaha | 96 | $6 |
*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 Oklahoma by Category
While the top life insurance provider in Oklahoma is a great choice for most, your best fit might differ based on your needs. Below, we've detailed the leading providers for different customer profiles.
| Young Adults | GEICO | $1 |
| Seniors | GEICO | $21 |
| Smokers | GEICO | $8 |
| High Coverage | Farmers | $17 |
Compare Personalized Best Oklahoma Life Insurance Picks
To help you find the best life insurance match, use our filterable table below to see options that align with your unique needs and preferences.
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 | $9 |
| GEICO | 98 | $5 |
| Nationwide | 97 | $6 |
| Haven | 97 | $14 |
| Mutual of Omaha | 96 | $6 |
| Protective | 95 | $9 |
| Prudential | 94 | $8 |
| Allstate | 92 | $8 |
| AAA | 92 | $11 |
| Transamerica | 90 | $6 |
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 Oklahoma
Below, we’ve highlighted key tips to help you find the most suitable life insurance policy in Oklahoma.
- 1
Decide coverage beforehand
Knowing how much life insurance you need is important 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 to find a good deal. Location doesn't often influence life insurance rates, so focus on your profile data and compare accordingly to find affordable coverage.
- 3
Compare company reputations
While rates don't usually vary by state, understanding a company’s reputation locally can be beneficial. Use resources like J.D. Power, online forums, and independent agents to evaluate providers.
- 4
Compare quotes through multiple avenues
Comparing quotes from different companies ensures you get the best value. Pricing can vary based on the source, whether through an independent agent, online platform, or captive provider agent.
Best Life Insurance in Oklahoma: Bottom Line
According to MoneyGeek's analysis, Oklahoma's top three life insurance companies are State Farm, GEICO and Haven. We recommend that you assess your coverage needs, conduct thorough research, and compare quotes to find the most affordable option.
Oklahoma Life Insurance: FAQ
Below are expert answers to frequently asked questions about life insurance for residents of Oklahoma.
What is the best life insurance in Oklahoma?
In Oklahoma, State Farm earns the top spot for life insurance with nationwide praise for its service, reasonable pricing, and quality term policies.
How do you get the best life insurance in Oklahoma?
To secure the best life insurance in Oklahoma, it's essential to assess your coverage needs, review insurers' reputations and services, and compare premiums from various providers.
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 Oklahoma
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 Oklahoma:
- 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.