State Farm offers the best life insurance both in Vermont and nationwide, earning a MoneyGeek score of 99 out of 100 for its outstanding customer service, affordability, and coverage options. For more affordable alternatives, we recommend considering GEICO, Haven, Nationwide and Mutual of Omaha.
Best Life Insurance Companies in Vermont (June 2025)
Updated: June 8, 2025
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Key Takeaways
Although life insurance rates remain the same across states, the top providers in Vermont include State Farm, GEICO, Haven, Nationwide and Mutual of Omaha.
GEICO delivers the most affordable life insurance options both in Vermont and nationwide, with rates starting at $3 per month.
To find the best life insurance in Vermont, decide on your coverage needs, research costs and companies, and compare providers.
Best Life Insurance Providers in Vermont
| State Farm | 99 | $5 |
| 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 Vermont by Category
While the top life insurance provider in Vermont is a solid choice for most, your ideal fit might differ based on your personal needs. Below, we explore the leading providers tailored for various common profiles.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | GEICO | $8 |
| High Coverage | GEICO | $14 |
Compare Personalized Best Vermont Life Insurance Picks
To help you find the best life insurance match, we've included a filterable table below, making it easy to tailor our recommendations to your unique 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 |
| Nationwide | 97 | $5 |
| Haven | 97 | $10 |
| Mutual of Omaha | 96 | $5 |
| Protective | 95 | $6 |
| Prudential | 94 | $6 |
| AAA | 92 | $5 |
| Allstate | 92 | $4 |
| 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 Vermont
Here are some straightforward tips to help you find the ideal life insurance in Vermont.
- 1
Decide coverage beforehand
Finding out how much life insurance you need is helpful. This ensures you can fairly compare prices and avoid being oversold by agents.
- 2
Research costs for your profile
Check average life insurance costs for your desired coverage level and personal profile to assess whether you're getting a good deal. Location doesn’t affect life insurance rates, making it easier to evaluate if a plan is appropriate for you.
- 3
Compare company reputations
While rates don’t generally vary by state, understanding a company's local reputation can help you find a better fit. Use resources like J.D. Power, online forums and independent agents to evaluate providers.
- 4
Compare quotes through multiple avenues
Compare quotes from multiple companies to ensure you get the best value. Pricing varies based on the quote's source, such as an independent agent, an online source or a captive provider agent.
Best Life Insurance in Vermont: Bottom Line
We found the top three life insurance companies in Vermont are State Farm, GEICO, and Haven. While these are our recommendations, you can do your own research, decide on a coverage level and compare quotes to get the best deal possible.
Vermont Life Insurance: FAQ
Explore expert answers to your common questions about life insurance in Vermont.
What is the best life insurance in Vermont?
In Vermont, State Farm offers the best overall life insurance, with top-rated customer service, competitive rates, and strong term life coverage options.
How do you get the best life insurance in Vermont?
Choosing the right life insurance in Vermont requires setting coverage goals, researching insurers' credibility and policy features, and comparing premiums.
Do life insurance rates differ by state?
No, life insurance rates do not differ by state, though state-specific regulations can influence policy features and supplemental benefits.
How We Decided the Best Life Insurance in Vermont
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 Vermont:
- 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.