State Farm offers the best life insurance in Pennsylvania and across the country, 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 Pennsylvania (June 2025)
Updated: June 8, 2025
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Key Takeaways
While life insurance rates remain steady across states, Pennsylvania's top providers include State Farm, GEICO, Haven, Nationwide, and Mutual of Omaha.
GEICO provides the most affordable life insurance options in Pennsylvania and nationwide, with rates starting at $3 per month.
To find the best life insurance in Pennsylvania, decide on your coverage needs, research costs, and compare providers.
Best Life Insurance Providers in Pennsylvania
| State Farm | 99 | $6 |
| GEICO | 98 | $3 |
| Haven | 97 | $6 |
| Nationwide | 97 | $4 |
| Mutual of Omaha | 96 | $4 |
*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 Pennsylvania by Category
Although the top life insurance company suits most residents in Pennsylvania, your perfect match might differ. Next, we’ll explore the best providers tailored for various common profiles.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Progressive | $10 |
| High Coverage | Assurity | $19 |
Compare Personalized Best Pennsylvania Life Insurance Picks
Explore our filterable table below to find life insurance recommendations that match your profile.
Data filtered by:Results filtered by:
Select
Age:41-50
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Gender:M
Select
Coverage Level:250k-500k
Select
Term:10
Select
Health Level:Excellent
| State Farm | 99 | $6 |
| GEICO | 98 | $4 |
| Nationwide | 97 | $5 |
| Haven | 97 | $10 |
| Mutual of Omaha | 96 | $5 |
| Protective | 95 | $6 |
| Prudential | 94 | $6 |
| Allstate | 92 | $5 |
| AAA | 92 | $5 |
| Transamerica | 90 | $4 |
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 Pennsylvania
Here's a breakdown of key tips to help you find your ideal life insurance plan in Pennsylvania.
- 1
Decide coverage beforehand
Finding out how much life insurance you need is a good idea before purchasing. It helps you 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 assess if you’re getting a good deal. In most cases, location does not impact rates, so focus on your profile specifics to find rates.
- 3
Compare company reputations
Though rates usually don’t vary by state, understanding a company's reputation locally can help secure a better fit. Use J.D. Power, online forums and independent agents to evaluate providers.
- 4
Compare quotes through multiple avenues
Pricing can vary depending on the source, whether it be an independent agent, online resource, or agent, so explore multiple avenues for the best results.
Best Life Insurance in Pennsylvania: Bottom Line
We found the top three life insurance companies in Pennsylvania are State Farm, GEICO and Haven. Although these are our recommendations, you should do your own research, decide on a coverage level and compare quotes to get the best deal.
Pennsylvania Life Insurance: FAQ
Explore our expert answers to common questions about life insurance for residents of Pennsylvania.
What is the best life insurance in Pennsylvania?
In Pennsylvania, State Farm offers the best overall life insurance, acclaimed for its superior customer service, competitive rates, and robust term coverage options.
How do you get the best life insurance in Pennsylvania?
To secure the best life insurance in Pennsylvania, set your coverage goals, research insurer reputations and policies, and compare premium quotes.
Do life insurance rates differ by state?
No, life insurance rates are generally the same across states since insurers use consistent underwriting criteria nationwide based on age, health and coverage amount. However, minor variations can occur due to state-specific taxes, fees or regulations, and some insurers may not be available in all states, which can affect your options and pricing.
How We Decided the Best Life Insurance in Pennsylvania
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 Pennsylvania:
- 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.