Overall, State Farm offers the best life insurance in Wisconsin 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 alternatives.
Best Life Insurance Companies in Wisconsin (June 2025)
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Life insurance rates don’t change by state, but in Wisconsin, the best providers are State Farm, GEICO, Nationwide, Haven, and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Wisconsin and nationwide, with monthly rates beginning at $3.
To get the best life insurance in Wisconsin, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Wisconsin
| State Farm | 99 | $5 |
| GEICO | 98 | $3 |
| Nationwide | 97 | $4 |
| Haven | 97 | $5 |
| 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 Wisconsin by Category
While the top life insurance provider in Wisconsin suits most residents, your best option might differ based on your unique profile. Next, we'll explore the leading providers for various common profiles.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Transamerica | $8 |
| High Coverage | GEICO | $14 |
Compare Personalized Best Wisconsin Life Insurance Picks
To help you find the best life insurance match, we've included a filterable table below, making it easy to tailor 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
Select
Term:10
Select
Health Level:Excellent
| State Farm | 99 | $6 |
| GEICO | 98 | $4 |
| Nationwide | 97 | $4 |
| Haven | 97 | $9 |
| Mutual of Omaha | 96 | $4 |
| Protective | 95 | $6 |
| Prudential | 94 | $6 |
| AAA | 92 | $8 |
| Allstate | 92 | $5 |
| 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 Wisconsin
Discover key tips to guide you in choosing the ideal life insurance plan for your needs in Wisconsin.
- 1
Decide coverage beforehand
Determining how much life insurance you need is necessary before purchasing. 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 and personal profile to ensure a good deal. Location doesn’t impact life insurance rates, so focus more on other personal factors that can affect pricing.
- 3
Compare company reputations
Though rates generally don't vary by state, a company's reputation locally can greatly influence your satisfaction. Use resources like J.D. Power, online forums and independent agents to gauge which providers match your needs.
- 4
Compare quotes through multiple avenues
Compare quotes to secure the best value. Pricing can differ depending on where you acquire quotes, whether from an independent agent, an online source, or a captive provider agent.
Best Life Insurance in Wisconsin: Bottom Line
In Wisconsin, MoneyGeek's analysis ranks State Farm, GEICO and Nationwide as the top three life insurance providers. While these companies lead the pack, we recommend you assess your coverage needs and shop around for quotes.
Wisconsin Life Insurance: FAQ
Explore our expert answers to frequently asked questions about life insurance for residents of Wisconsin.
What is the best life insurance in Wisconsin?
In Wisconsin, 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 Wisconsin?
For the best life insurance in Wisconsin, set your coverage needs, compare insurers for rates and reliability, and looked for tailored policies.
Do life insurance rates differ by state?
No, rates for life insurance don’t vary much across states, but variations can occur due to state-specific taxes, fees or regulations.
How We Decided the Best Life Insurance in Wisconsin
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 Wisconsin:
- 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.