Life Insurance Rates By State In America!

Find the best life insurance rates by state in America and discover the average cost of life insurance by state.

By Licensed Agent:  Sa El  PublishedJune 1, 2025 UpdatedJune 3, 2025

Americans are starting to realize how expensive not having some form of life insurance can be. With the national average life insurance premium being $631 per year or about $53 per month, you need to do your due diligence before you decide on what life insurance options will work best for you.

The good news is that we have included links to all 50 state-specific reviews for life insurance in this blog post and will take you through some helpful tips on getting term life insurance. You can also learn which companies have the best life insurance quotes in your state for both traditional and no-medical exam life insurance.

STATE

AVERAGE ANNUAL PREMIUM

STATE

AVERAGE ANNUAL PREMIUM

$602

$601

$655

$603

$615

$607

$584

$708

$668

$732

$645

$588

$724

New York

$675

$657

$617

$636

$603

$627

$599

$630

$598

$687

$627

$597

$658

$631

$660

$593

$615

$601

$591

$601

$609

$599

$633

$597

$636

$641

$655

$712

$682

$718

$655

$610

$590

$639

$607

$581

$601

$590



LIFE INSURANCE WHERE YOU LIVE

Term Life insurance by state.

With a Life Insurance policy you can take care of your family the right way.

Should anything happen to you, you'll want to leave your loved ones a financial nest egg for their wellbeing.

AlabamaALAlaskaAKArizonaAZArkansasARCaliforniaCAColoradoCOConnecticutDelawareFloridaFLGeorgiaGAIdahoIDIllinoisILIndianaINIowaIAKansasKSKentuckyKYLouisianaLAMaineMEMarylandMassachusettsMichiganMIMinnesotaMNMississippiMSMissouriMOMontanaMTNebraskaNENevadaNVNew HampshireNew JerseyNew MexicoNMNew YorkNYNorth CarolinaNCNorth DakotaNDOhioOHOklahomaOKOregonORPennsylvaniaPARhode IslandSouth CarolinaSCSouth DakotaSDTennesseeTNTexasTXUtahUTVermontVirginiaVAWAWest VirginiaWVWisconsinWIWyomingWYVermontVTNew HampshireNHMassachusettsMAConnecticutCTNew JerseyNJMarylandMDHawaiiHIRhode IslandRIDelawareDE

ABOUT THE AUTHOR

Sa El

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.