State Farm offers the best life insurance in Arizona 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 affordable and high-quality alternatives for shoppers to consider.
Best Life Insurance Companies in Arizona (June 2025)
Updated: July 5, 2025
Advertising & Editorial Disclosure
Key Takeaways
Life insurance rates don’t change by state, but in Arizona, the best providers are State Farm, GEICO, Nationwide, Haven, and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Arizona and nationwide, with monthly rates beginning at $5.
To find the best life insurance in Arizona, decide on coverage needs, research costs and companies, and compare plenty of providers.
Best Life Insurance Providers in Arizona
| State Farm | 99 | $8 |
| GEICO | 98 | $5 |
| Nationwide | 97 | $6 |
| Haven | 97 | $10 |
| Mutual of Omaha | 96 | $6 |
*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 Arizona by Category
Although we've identified the top life insurance company for most residents, your ideal provider might differ based on your personal needs. Below, we've outlined the best options tailored for various common profiles.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Progressive | $10 |
| High Coverage | Bestow | $18 |
Compare Personalized Best Arizona Life Insurance Picks
To help you find the perfect life insurance plan, we've added a filterable table below that aligns with your unique needs and preferences, making your search a breeze.
Data filtered by:Results filtered by:
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Age:41-50
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Gender:M
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Coverage Level:250k-500k
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Term:10
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Health Level:Excellent
| State Farm | 99 | $10 |
| GEICO | 98 | $6 |
| Nationwide | 97 | $7 |
| Haven | 97 | $16 |
| Mutual of Omaha | 96 | $7 |
| Protective | 95 | $11 |
| Prudential | 94 | $8 |
| AAA | 92 | $12 |
| Allstate | 92 | $8 |
| Transamerica | 90 | $6 |
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 Arizona
Here's a breakdown of key tips to help you find the right life insurance in Arizona.
- 1
Decide coverage beforehand
Determining how much life insurance you need is important before purchasing. This helps you compare prices fairly and avoid being oversold by agents. For more guidance, visit how much life insurance you need.
- 2
Research costs for your profile
Checking average life insurance costs for your desired coverage level aids in assessing if you’re getting a good deal. Location generally does not affect life insurance rates.
- 3
Compare company reputations
Although rates typically don’t vary by state, understanding a company’s reputation can help you find a better fit. Use resources like J.D. Power, online forums, and independent agents for evaluating providers.
- 4
Compare quotes through multiple avenues
Quotes may vary depending on your source, whether it’s an independent agent, online platform or captive provider agent.
Best Life Insurance in Arizona: Bottom Line
In Arizona, our top three life insurance recommendations are State Farm, GEICO and Nationwide. That said, we recommend evaluating your personal needs, setting a coverage level and shopping around for quotes to find the right fit.
Arizona Life Insurance: FAQ
Find expert answers to your burning questions about life insurance in Arizona below.
What is the best life insurance in Arizona?
In Arizona, State Farm offers the best overall life insurance with top-rated customer service, affordable pricing at $8 monthly, and strong term life coverage options.
How do you get the best life insurance in Arizona?
For finding the best life insurance in Arizona, determine your coverage needs, compare rates from reputable insurers, and scrutinize both costs and company reviews.
Do life insurance rates differ by state?
No, life insurance rates generally do not vary by state, but coverage options and riders may differ depending on location.
How We Decided the Best Life Insurance in Arizona
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 Arizona:
- 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.