State Farm offers the best life insurance nationwide and in Utah, earning a MoneyGeek score of 99 out of 100 for customer service, affordability, and coverage options. We also recommend GEICO, Nationwide, Haven and Mutual of Omaha as affordable alternatives.
Best Life Insurance Companies in Utah (June 2025)
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Life insurance rates don't change by state, but in Utah, the best providers are State Farm, GEICO, Nationwide, Haven and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Utah and nationwide, with monthly rates beginning at $3.
To find the best life insurance in Utah, decide on your coverage needs, research costs and companies, and compare plenty of providers.
Best Life Insurance Providers in Utah
| State Farm | 99 | $6 |
| GEICO | 98 | $3 |
| Nationwide | 97 | $4 |
| Haven | 97 | $6 |
| 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 Utah by Category
While we've identified the top life insurance company for most residents, your ideal match might differ based on your personal profile. Below, we break down the best options for various types of buyers.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Progressive | $10 |
| High Coverage | Amica | $17 |
Compare Personalized Best Utah Life Insurance Picks
To help you find the best life insurance match, we've included a filterable table below, allowing you to tailor our recommendations to your profile.
Data filtered by:Results filtered by:
Select
Age:41-50
Select
Gender:M
Select
Coverage Level:250k-500k
Select
Term:10
Select
Health Level:Excellent
| State Farm | 99 | $9 |
| GEICO | 98 | $5 |
| Haven | 97 | $13 |
| Nationwide | 97 | $7 |
| Mutual of Omaha | 96 | $7 |
| Protective | 95 | $9 |
| Prudential | 94 | $8 |
| Allstate | 92 | $11 |
| AAA | 92 | $11 |
| Transamerica | 90 | $7 |
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 Utah
To simplify your search, we've outlined key tips for finding top life insurance options in Utah.
- 1
Decide coverage beforehand
Determining how much life insurance you need is crucial before making a purchase. This enables you to compare prices fairly and avoid being oversold by agents.
- 2
Research costs for your profile
Reviewing average life insurance costs for your coverage level and personal profile helps you determine if you're getting a competitive rate. Location typically doesn't impact life insurance rates, allowing for a more consistent cost assessment.
- 3
Compare company reputations
Though rates often don't differ by state, knowing a company's reputation in your area can guide you to a better match. Use resources such as J.D. Power, online forums, and independent agents for evaluations.
- 4
Compare quotes through multiple avenues
The rate you find varies based on the source. For instance, if you find rate information online or from an independent agent.
Best Life Insurance in Utah: Bottom Line
We found the top three life insurance companies in Utah are State Farm, GEICO and Nationwide. These are our recommendations, but you should complete your own research, decide on a coverage level and compare quotes to get the best deal possible.
Utah Life Insurance: FAQ
Discover expert insights into frequently asked questions about life insurance for residents of the Beehive State.
What is the best life insurance in Utah?
In Utah, 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 Utah?
Secure optimal life insurance in Utah by first determining your coverage requirements, then meticulously comparing insurer rates and reputations to find a reliable and cost-effective policy.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, although specific coverage options and riders may be unique to each region.
How We Decided the Best Life Insurance in Utah
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 Utah:
- 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.