State Farm offers the best life insurance in West Virginia and nationwide, earning a MoneyGeek score of 99 out of 100 based on customer service, affordability, and coverage options. We also recommend GEICO, Nationwide, Haven and Mutual of Omaha as some alternatives.
Best Life Insurance Companies in West Virginia (June 2025)
Updated: July 3, 2025
Advertising & Editorial Disclosure
Key Takeaways
Though life insurance costs don’t vary by location, the best choices for coverage in West Virginia are State Farm, GEICO, Nationwide, Haven and Mutual of Omaha.
Nationwide delivers the cheapest life insurance options in West Virginia and nationwide, with monthly rates beginning at $3.
To get the best life insurance in West Virginia, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in West Virginia
| State Farm | 99 | $5 |
| GEICO | 98 | $4 |
| Nationwide | 97 | $3 |
| Haven | 97 | $5 |
| Mutual of Omaha | 96 | $3 |
*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 West Virginia by Category
While the top life insurance provider is a solid choice for many, your best option might differ based on your needs. Next, we'll break down the leading providers for different types of buyers.
| Young Adults | GEICO | $1 |
| Seniors | Assurity | $27 |
| Smokers | GEICO | $8 |
| High Coverage | Farmers | $17 |
Compare Personalized Best West Virginia Life Insurance Picks
To help you find the best life insurance for your needs, we've added a filterable table below, making it easy to tailor recommendations to your personal profile.
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 | $5 |
| GEICO | 98 | $3 |
| Nationwide | 97 | $4 |
| Haven | 97 | $8 |
| Mutual of Omaha | 96 | $4 |
| Protective | 95 | $5 |
| Prudential | 94 | $5 |
| AAA | 92 | $6 |
| Allstate | 92 | $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 West Virginia
Here's a breakdown of essential tips to help you find the ideal life insurance plan in West Virginia.
- 1
Decide coverage beforehand
Finding out how much life insurance you need is crucial before purchasing, so you can compare prices fairly and avoid being oversold by agents.
- 2
Research costs for your profile
Checking average life insurance costs for your coverage level and personal profile helps assess whether you’re getting a good deal. Note that in most cases, location does not impact life insurance rates.
- 3
Compare company reputations
While rates typically don’t vary by state, a company’s reputation in your area can help you find a better fit. Use J.D. Power, online forums, and independent agents to assess the best providers.
- 4
Compare quotes through multiple avenues
Comparing quotes from multiple companies ensures you're getting the best value. Pricing can vary depending on where quotes are sourced, whether from an independent agent, online source, or captive provider agent.
Best Life Insurance in West Virginia: Bottom Line
The top three life insurance companies in West Virginia are State Farm, GEICO and Nationwide. While these are our recommendations, do your own research, decide on a coverage level, and compare quotes to get the best deal possible.
West Virginia Life Insurance: FAQ
Here's where you'll find expert answers to common life insurance questions for West Virginia.
What is the best life insurance in West Virginia?
In West Virginia, 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 West Virginia?
To secure the best life insurance in West Virginia, set your coverage goals, review insurer profiles and offerings and thoroughly compare their rates.
Do life insurance rates differ by state?
No, life insurance rates are generally consistent across states, though specific policy features and riders might differ due to state regulations.
How We Decided the Best Life Insurance in West Virginia
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 West Virginia:
- 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.