Overall, State Farm offers the best life insurance policies 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 (2025)
MoneyGeek scored the best life insurance companies in Wisconsin based on thousands of quotes and reviews to help you find your ideal policy.
Discover affordable life insurance in Wisconsin below.
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Updated: October 27, 2025
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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.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Transamerica | $8 |
| High Coverage | GEICO | $14 |
Compare Personalized Best Wisconsin Life Insurance Picks
Data filtered by:
41-50
M
250k-500k
Select
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.
- 1Decide coverage beforehand
Calculating your life insurance needs is necessary before purchasing. This ensures you can fairly compare prices and avoid being oversold by agents.
- 2Research 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.
- 3Compare 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.
- 4Compare 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
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
We reviewed companies offering broad national coverage with online quoting capabilities, then scored them using five weighted categories that reflect what matters most when you're buying life insurance.
How we scored each company:
We assigned up to five points across five categories, then calculated overall scores out of 100 using these weightings:
- Affordability (60%): Cost data from online quotes for term policies
- Customer Satisfaction (20%): NAIC complaint index data from 2020-2022
- Product Diversity (10%): Range of policy types and coverage options available
- Financial Stability (5%): AM Best ratings and years in business
- Buying Process (5%): Online tools, product materials, and payment flexibility
Why these weights: Your premiums are what you'll pay for 10, 20, or 30 years, making affordability the dominant factor for Wisconsin families protecting their income and mortgages. Customer satisfaction carries substantial weight because the cheapest company means nothing if they deny valid claims or provide poor service when your beneficiaries need support decades from now. Product diversity, financial stability, and buying convenience round out the evaluation.
Our baseline quote profile:
We started with a 40-year-old nonsmoker at average height and healthy weight with an excellent health rating. From there, we adjusted age, gender, height, weight, tobacco use, health status, and location to collect quotes across different customer profiles.
We gathered quotes for term policies with varying coverage amounts and term lengths, which represent the most affordable and popular choice for Wisconsin families protecting their income and mortgages. When our dataset showed clear pricing patterns, we calculated projections to extend coverage where needed.
This methodology prioritizes real-world buying factors for Wisconsin residents. You need affordable coverage from a stable company that handles claims fairly, and our weighted scoring reflects that reality while showing you which insurers offer the best value in your state's competitive life insurance market.
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.