State Farm offers the best life insurance in Oregon and nationwide, earning a MoneyGeek score of 99 out of 100 based on customer service, affordability and coverage options. We also recommend GEICO, Haven, Nationwide and Mutual of Omaha as alternatives.
Best Life Insurance Companies in Oregon (June 2025)
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Though life insurance costs don’t vary by location, the best choices for coverage in Oregon are State Farm, GEICO, Haven, Nationwide, and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Oregon and nationwide, with monthly rates beginning at $2.
To get the best life insurance in Oregon, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Oregon
| State Farm | 99 | $3 |
| GEICO | 98 | $2 |
| Haven | 97 | $3 |
| Nationwide | 97 | $2 |
| Mutual of Omaha | 96 | $3 |
*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 Oregon by Category
While the top life insurance provider in Oregon is a strong choice for many, your best option might differ based on your personal needs. Next, we break down the top providers for different profiles.
| Young Adults | GEICO | $1 |
| Seniors | Assurity | $27 |
| Smokers | GEICO | $8 |
| High Coverage | Farmers | $17 |
Compare Personalized Best Oregon Life Insurance Picks
To help you find life insurance options that fit your needs, we've included a filterable table below, making it easy to tailor recommendations to your profile.
Data filtered by:Results filtered by:
Select
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 | $6 |
| GEICO | 98 | $4 |
| Haven | 97 | $9 |
| Nationwide | 97 | $5 |
| Mutual of Omaha | 96 | $4 |
| Protective | 95 | $6 |
| Prudential | 94 | $6 |
| Allstate | 92 | $6 |
| AAA | 92 | $8 |
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 Oregon
Here are some essential tips to help you find the best life insurance options available to you.
- 1
Decide coverage beforehand
Finding out how much life insurance you need is necessary. It allows for fair price comparisons and prevents being oversold by agents.
- 2
Research costs for your profile
Check average life insurance costs based on your coverage and profile. This helps determine if you're getting a good deal. Generally, your location does not affect life insurance rates, so focus on personalized factors instead.
- 3
Compare company reputations
While life insurance rates generally don't differ by state, a company's reputation in your area can influence your choice. Use resources like J.D. Power, online forums, and independent agents to evaluate providers.
- 4
Compare quotes through multiple avenues
Comparing quotes from multiple companies ensures you get the best value. Pricing can vary based on whether you get rates from an independent agent, online source, or captive provider agent.
Best Life Insurance in Oregon: Bottom Line
We found the top three life insurance companies in Oregon are State Farm, GEICO and Haven. While these are our recommendations, we urge you to do your own research, decide on a coverage level, and compare quotes to get the best deal possible.
Oregon Life Insurance: FAQ
Explore our expert answers to common questions about life insurance for residents of Oregon.
What is the best life insurance in Oregon?
In Oregon, State Farm is the best for life insurance with its superior customer service, manageable costs and solid term life options.
How do you get the best life insurance in Oregon?
Securing the best life insurance in Oregon means evaluating coverage needs, looking at insurers' reputations, and comparing premium quotes.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states; however, policy features and riders may differ based on location.
How We Decided the Best Life Insurance in Oregon
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 Oregon:
- 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.