Overall, State Farm offers the best life insurance in Wyoming and across the country, earning a MoneyGeek Score of 99 out of 100 for customer service, affordability, and coverage options. We also recommend GEICO, Haven, Nationwide, and Mutual of Omaha as some of the best affordable alternatives.
Best Life Insurance Companies in Wyoming (June 2025)
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Though life insurance costs don’t vary by location, the best choices for coverage in Wyoming are State Farm, GEICO, Haven, Nationwide, and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Wyoming and nationwide, with monthly rates beginning at $4.
To get the best life insurance in Wyoming, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Wyoming
| State Farm | 99 | $6 |
| GEICO | 98 | $4 |
| 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 Wyoming by Category
Although we’ve identified the top life insurance company for most residents, your ideal match might differ based on your unique profile. Below, we’ve broken down the best options for various types of buyers.
| Young Adults | Nationwide | $2 |
| Seniors | Assurity | $27 |
| Smokers | Nationwide | $9 |
| High Coverage | Nationwide | $14 |
Compare Personalized Best Wyoming Life Insurance Picks
To help you find the best life insurance match, we've included a filterable table below, making it easy to choose a policy that fits your unique needs.
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 | $11 |
| GEICO | 98 | $6 |
| Nationwide | 97 | $8 |
| Haven | 97 | $16 |
| Mutual of Omaha | 96 | $8 |
| Protective | 95 | $10 |
| Prudential | 94 | $8 |
| AAA | 92 | $9 |
| Allstate | 92 | $12 |
| Transamerica | 90 | $7 |
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 Wyoming
Here's a breakdown of essential tips to help you find the best life insurance for your needs in Wyoming.
- 1
Decide coverage beforehand
Finding out how much life insurance you need beforehand is crucial. This helps you 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. This helps you assess if you’re getting a good deal. Location doesn’t impact your life insurance rates. Focus on needs and affordability.
- 3
Compare company reputations
Rates typically don’t vary by state, but a company’s reputation in your area is essential. For insights, use resources like J.D. Power, online forums and independent agents.
- 4
Compare Quotes Through Multiple Avenues
Compare quotes from various companies to ensure the best value. Pricing can differ based on how and where you get quotes, whether from an independent agent, online sources or a company agent.
Best Life Insurance in Wyoming: Bottom Line
We found the top three life insurance companies in Wyoming are State Farm, GEICO, and Haven. While these are our recommendations, we urge you to do your own research, decide on a coverage level, and compare quotes to get the best deal possible.
Wyoming Life Insurance: FAQ
Explore expert answers to common life insurance questions for residents of Wyoming.
What is the best life insurance in Wyoming?
In Wyoming, State Farm offers the best overall life insurance with top-rated customer service nationwide, affordable rates at $6 monthly, and strong term life coverage options.
How do you get the best life insurance in Wyoming?
To secure the best life insurance in Wyoming, start by defining your coverage needs, then research insurers' reputations and policies, and compare multiple quotes.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, although coverage details and policy riders can differ.
How We Decided the Best Life Insurance in Wyoming
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 Wyoming:
- 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.