Best Life Insurance Companies in Oklahoma (2025)

State Farm is the best life insurance company 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.

*Rates are for coverage levels between $250,000 and $500,000 for a 20-year term life insurance plan for a 40-year-old man in good health who does not smoke.

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.

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.

*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.

We have some tips to help you find the most suitable life insurance policy in Oklahoma.

MoneyGeek’s analysis shows that the top life insurance companies in Oklahoma are State Farm, GEICO and Haven. Review your coverage needs, research each provider and compare quotes to find the most budget-friendly option.

Here are answers to frequently asked questions about life insurance for residents of Oklahoma.

Our Research Approach

Life insurance shopping in Oklahoma shouldn't mean wading through confusing jargon or wondering if you're overpaying. We built this analysis to cut through the noise and show you which companies deliver the best combination of affordable rates and reliable service for Oklahoma residents.

We collected thousands of quotes from major life insurance providers to compare what you'd actually pay. Our baseline profile uses a 40-year-old nonsmoker with excellent health, average height and healthy weight. We then adjusted this profile across different ages, genders, coverage amounts ($250,000 to $500,000), term lengths and health ratings to capture how rates change for various customer types.

Why This Matters for You 

Life insurance companies price policies differently based on your profile. A company offering the cheapest rates for a healthy 30-year-old charges much more for a 55-year-old with moderate health issues. We tested multiple profile variations and identified which insurers consistently deliver competitive rates across different customer segments.

Our scoring system weighs five key factors to calculate each company's final MoneyGeek score out of 100 points:

• Affordability (60%) – Based on monthly premium quotes from real customer data
• Customer satisfaction (20%) – Measured using NAIC complaint records from 2020 to 2022
• Product diversity (10%) – Evaluates the range of policy types and coverage options
• Financial stability (5%) – Determined by AM Best ratings and company longevity
• Buying process (5%) – Considers online tools, quote access and payment options

We prioritized affordability because premium costs directly impact whether coverage fits your budget long-term. However, the cheapest option isn't always the best if a company has poor customer service or weak financial backing. Our weighted approach balances cost with quality to identify insurers that deliver real value.

A Note on State Variations

Life insurance rates don't change based on where you live in Oklahoma versus other states. However, available policy riders and specific coverage features can differ due to state regulations. We focused our Oklahoma analysis on companies with strong national reputations that offer straightforward online quotes, making it easy for you to compare options and purchase coverage without unnecessary hassle.

When we couldn't collect quotes for every possible profile combination, we identified patterns in our dataset and used those trends to calculate reasonable projections. This approach gave us a complete picture of how each insurer prices policies across the full spectrum of customer profiles.