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 (2025)
Updated: October 15, 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 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.
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
We have some tips to help you find the most suitable life insurance policy in Oklahoma.
- 1
Decide coverage beforehand
Know how much life insurance you need before purchasing. This allows you to compare prices fairly and avoid being oversold by agents. Use our life insurance policy calculator to quickly assess your needs.
- 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
Here are 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, assess your coverage needs, review insurers' reputations and services, and compare premiums from providers.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, though specific policy features and riders differ due to state regulations.
How We Decided the Best Life Insurance in 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%) – Monthly premium costs from actual quotes
- Customer satisfaction (20%) – NAIC complaint data from 2020 to 2022
- Product diversity (10%) – Range of policy types and coverage options
- Financial stability (5%) – AM Best ratings and years in business
- Buying process (5%) – Online tools, quote availability 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.
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.