Best Life Insurance Companies in Pennsylvania (2025)

State Farm is the top life insurance company in Pennsylvania, 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 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.

Although the top life insurance company suits most residents in Pennsylvania, your perfect match might differ.

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 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 families need life insurance that protects their financial future without straining household budgets, especially in a state with diverse regional costs from Philadelphia's expensive suburbs to more affordable rural counties. We designed this research to show you which insurers deliver the best combination of affordable rates, financial strength, and reliable service for Pennsylvania policyholders.

We selected companies to review based on their broad national coverage and ability to provide online quotes, then scored them using five weighted categories that reflect what matters most when you're buying life insurance.

We created a scoring system where companies can earn up to five points in each of five categories, then calculated overall scores out of 100 using these weightings: 

Affordability (60%) based on cost data from online quotes, 

Customer Satisfaction (20%) using NAIC complaint index data from 2020-2022, 

Product Diversity (10%) measures the range of policy types and coverage options, 

Financial Stability (5%), drawing from AM Best ratings and years in business, and 

Buying Process (5%): evaluating online tools, product materials, and payment flexibility.

Why these weights: Your premiums are what you'll pay for 10, 20, or 30 years, making affordability the dominant factor for Pennsylvania families protecting their income and mortgages. Customer satisfaction carries substantial weight because the cheapest company means nothing if they deny valid claims or provide poor service when your beneficiaries need support decades from now. Product diversity, financial stability, and buying convenience round out the evaluation.

We used a standard profile to obtain quotes: a 40-year-old nonsmoker at average height and healthy weight with an excellent health rating. We modified the profile by age, gender, height, weight, tobacco use, health rating, and location to collect various quotes and determine the best companies for different customer types. We collected quotes for term life insurance with varying term lengths and coverage amounts. When necessary, we identified trends in the dataset and used those patterns to calculate projections and extend the data beyond what was originally collected.

This methodology prioritizes real-world buying factors for Pennsylvania residents. You need affordable coverage from a stable company that handles claims fairly, and our weighted scoring reflects that reality while accounting for the state's regional cost variations and competitive life insurance market.