State Farm provides the best life insurance in Washington and across the country, 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 the best affordable alternatives.
Best Life Insurance Companies in Washington (June 2025)
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Life insurance rates don’t change by state, but in Washington, the best providers are State Farm, GEICO, Nationwide, Haven and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Washington and nationwide, with monthly rates beginning at $4.
For the best life insurance in Washington, decide on coverage needs, research costs and companies, and compare plenty of providers.
Best Life Insurance Providers in Washington
| State Farm | 99 | $7 |
| GEICO | 98 | $4 |
| Nationwide | 97 | $5 |
| Haven | 97 | $7 |
| Mutual of Omaha | 96 | $5 |
*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 Washington by Category
Although we've identified the top life insurance company for most, your ideal match might differ depending on your personal profile. Below, we’ve broken down the best options for various types of buyers.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Progressive | $10 |
| High Coverage | Assurity | $19 |
Compare Personalized Best Washington Life Insurance Picks
To help you find the best life insurance match, we've created a filterable table below that aligns with your unique profile, rated by our MoneyGeek score.
Data filtered by:Results filtered by:
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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 | $13 |
| GEICO | 98 | $8 |
| Nationwide | 97 | $9 |
| Haven | 97 | $19 |
| Mutual of Omaha | 96 | $9 |
| Protective | 95 | $12 |
| Prudential | 94 | $10 |
| Allstate | 92 | $9 |
| AAA | 92 | $10 |
| Transamerica | 90 | $9 |
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 Washington
Here are some practical tips to help you find the most suitable life insurance in Washington.
- 1
Decide overage beforehand
Finding out how much life insurance you need before purchasing is important This allows you to 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 doesn’t impact your life insurance rates.
- 3
Compare company reputations
Rates typically don’t vary by state, but understanding a company’s reputation is important. Use resources like J.D. Power, online forums and independent agents to find the best fit.
- 4
Compare quotes through multiple avenues
Compare quotes from multiple companies to ensure you're getting the best value. Pricing can vary depending on the source of your quotes, whether it's from an independent agent, online source, or captive provider agent.
Best Life Insurance in Washington: Bottom Line
We found the top three life insurance companies in Washington are State Farm, GEICO and Nationwide. While these are our recommendations, you should do your own research, decide on a coverage level and compare quotes to get the best deal.
Washington Life Insurance: FAQ
Explore expert answers to your most common questions about life insurance in Washington
What is the best life insurance in Washington?
In Washington, State Farm offers the best overall life insurance with top customer service nationwide, affordable rates, and strong coverage options for term policies.
How do you get the best life insurance in Washington?
Compare rates, determine necessary coverage levels, and research insurance providers' reputation and costs to secure the best life insurance in Washington.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, though policy features and riders can differ based on local regulations.
How We Decided the Best Life Insurance in Washington
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 Washington:
- 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.