Life Insurance by State (2026)
Life insurance costs vary by state based on local health statistics and insurer competition. Rates shown are for a $500,000 30-year term policy for a healthy 35-year-old non-smoker.
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Alabama$26/moAlaska$28/moArizona$24/moArkansas$27/moCalifornia$22/moColorado$23/moConnecticut$25/moDelaware$24/moFlorida$27/moGeorgia$26/moHawaii$19/moIdaho$23/moIllinois$25/moIndiana$25/moIowa$23/moKansas$25/moKentucky$28/moLouisiana$30/moMaine$22/moMaryland$24/moMassachusetts$22/moMichigan$26/moMinnesota$22/moMississippi$31/moMissouri$26/moMontana$27/moNebraska$24/moNevada$25/moNew Hampshire$22/moNew Jersey$24/moNew Mexico$26/moNew York$25/moNorth Carolina$25/moNorth Dakota$23/moOhio$24/moOklahoma$27/moOregon$21/moPennsylvania$24/moRhode Island$23/moSouth Carolina$27/moSouth Dakota$22/moTennessee$26/moTexas$25/moUtah$20/moVermont$21/moVirginia$23/moWashington$21/moWest Virginia$32/moWisconsin$22/moWyoming$24/mo