State Farm provides the best life insurance in Washington 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 the best affordable alternatives.
Best Life Insurance Companies in Washington (2025)
MoneyGeek scored the best life insurance companies in Washington based on thousands of quotes and reviews to help you find your ideal policy.
Discover affordable life insurance in Washington below.
Select age group
Updated: October 24, 2025
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Key Takeaways
Life insurance rates don't change by state, but in Washington, the best providers are State Farm, GEICO, Nationwide, Haven and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Washington and nationwide, with monthly rates starting at $4.
To find the best life insurance in Washington, determine your coverage needs, research costs and companies, then compare multiple providers.
Best Life Insurance Providers in Washington
| State Farm | 99 | $7 |
| GEICO | 98 | $4 |
| Nationwide | 97 | $5 |
| Haven | 97 | $7 |
| Mutual of Omaha | 96 | $5 |
*Rates shown reflect coverage between $250,000-$500,000 for a 20-year term life insurance plan for a 40-year-old man in good health who doesn't smoke.
Best Life Insurance in Washington by Category
Your ideal life insurance company might differ from our top pick depending on your profile. Below are the best options for various buyer types.
| Young Adults | Progressive | $2 |
| Seniors | GEICO | $21 |
| Smokers | Progressive | $10 |
| High Coverage | Assurity | $19 |
Compare Personalized Best Washington Life Insurance Picks
To help you find the best life insurance match, we've created a filterable table below that aligns with your unique profile, rated by our MoneyGeek score.
Data filtered by:
41-50
M
250k-500k
Select
Excellent
| State Farm | 99 | $13 |
| GEICO | 98 | $8 |
| Nationwide | 97 | $9 |
| Haven | 97 | $19 |
| Mutual of Omaha | 96 | $9 |
| Protective | 95 | $12 |
| Prudential | 94 | $10 |
| Allstate | 92 | $9 |
| AAA | 92 | $10 |
| Transamerica | 90 | $9 |
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 Washington
Here are some practical tips to help you find the most suitable life insurance in Washington.
- 1Decide overage beforehand
Finding out how much life insurance you need before purchasing is important This allows you to compare prices fairly and avoid being oversold by agents. Use our life insurance quote calculator to quickly assess your needs and get sample quotes.
- 2Research costs for your profile
Check average life insurance costs for your coverage level and personal profile to gauge if you're getting a good deal. Location doesn't impact life insurance rates in most cases.
- 3Compare company reputations
Rates usually don't vary by state, but understanding a company's reputation is important. Use resources like J.D. Power, online forums and independent agents to find the best fit.
- 4Compare quotes through multiple avenues
Compare quotes from multiple companies to ensure you're getting the best value. Pricing can vary depending on the source of your quotes, whether it's from an independent agent, online source, or captive provider agent.
Best Life Insurance in Washington: Bottom Line
State Farm, GEICO and Nationwide rank as the top three life insurance companies in Washington. While these are our recommendations, you should research on your own, determine your coverage needs and compare quotes to get the best deal.
Washington Life Insurance: FAQ
Explore expert answers to your most common questions about life insurance in Washington
What is the best life insurance in Washington?
In Washington, State Farm offers the best overall life insurance with top customer service nationwide, affordable rates, and strong coverage options for term policies.
How do you get the best life insurance in Washington?
Compare rates, determine necessary coverage levels, and research insurance providers' reputation and costs to secure the best life insurance in Washington.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, though policy features and riders can differ based on local regulations.
How We Decided the Best Life Insurance in Washington
MoneyGeek developed a scoring system to evaluate and compare life insurance companies across five main categories. We selected companies that offer nationwide coverage and provide online quotes for easy comparison.
MoneyGeek's Scoring System
Each company could earn up to five points in five categories. These scores were then weighted to create a final MoneyGeek score out of 100. The weight for each category is shown below:
- 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
To collect life insurance quotes in Washington, MoneyGeek used this standard customer profile:
- 40-year-old nonsmoker
- Average height and healthy weight
- Excellent health rating
We adjusted the profile by age, gender, height, weight, tobacco use, health rating, and location to gather a wide range of quotes. We also reviewed term life insurance options with different coverage amounts and term lengths.
When needed, we analyzed trends in the data to project prices and fill in gaps where quote information was limited.
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.