---
title: "Life Insurance Rates By State In America!"
canonical: "https://www.simplyinsurance.com/life-insurance-rates-by-state/"
description: "The cost of life insurance can vary significantly from state to state. The good news is that we have included lifeinsurance rates by state for all 50 states."
silo: "life"
published: "2026-05-31"
updated: "2026-05-31"
author: "sa-el"
source: "Simply Insurance"
---
The cost of life insurance can vary significantly from state to state. The good news is that we have included **lifeinsurance rates by state** for all 50 states.  Let’s discover which states have the [Life Insurance Rates By State In America!](https://www.simplyinsurance.com/compare-no-exam-life-insurance-quotes-online/) and take a look at some of the most affordable and most expensive states for landlord insurance.

## How Much Does Life Insurance Cost By State?

The national **average cost of Life Insurance is around** $631 per year,however, you need to do your due diligence before you decide on what [life insurance](https://www.simplyinsurance.com/compare-life-insurance-quotes-online/) options will work best for you.

### Average Cost Of Life Insurance Rates By State Chart

Life Insurance costs vary from state to state. The **most expensive state for life insurance is New Jersey,** where the average annual premium is **$732**. On the other hand, **Mississippi has the most affordable term life insurance**, with an average annual premium of only **$581**.

STATE | AVERAGE ANNUAL PREMIUM | STATE | AVERAGE ANNUAL PREMIUM
--- | --- | --- | ---
Alabama | $602 | Montana | $601
Alaska | $655 | Nebraska | $603
Arizona | $615 | Nevada | $607
Arkansas | $584 | New Hampshire | $708
California | $668 | New Jersey | $732
Colorado | $645 | New Mexico | $588
Connecticut | $724 | New York | $675
Delaware | $657 | North Carolina | $617
District Of Columbia | $636 | North Dakota | $603
Florida | $627 | Ohio | $599
Georgia | $630 | Oklahoma | $598
Hawaii | $687 | Oregon | $627
Idaho | $597 | Pennsylvania | $658
Illinois | $631 | Rhode Island | $660
Indiana | $593 | South Carolina | $615
Iowa | $601 | South Dakota | $591
Kansas | $601 | Tennessee | $609
Kentucky | $599 | Texas | $633
Louisiana | $597 | Utah | $636
Maine | $641 | Vermont | $655
Maryland | $712 | Virginia | $682
Massachusetts | $718 | Washington | $655
Michigan | $610 | West Virginia | $590
Minnesota | $639 | Wisconsin | $607
Mississippi | $581 | Wyoming | $601
Missouri | $590 |  | 

## How Much Does Term Life Insurance Cost By State?

Term life insurance averages around $22.59 a month for a 40-year-old woman and $27.35 for a man, both on a 20-year, $250,000 policy.

The average cost of term life insurance is $22.59 a month for a 40-year-old female buying a 20-year term policy for $250,000 in coverage. For a male, the average life insurance cost is around $27.35 a month for the same coverage.

## How Much Does No Exam Life Insurance Cost By State?

No exam life insurance typically runs around $25 to $40 per month for a healthy 30-year-old on a $250,000 policy, but rates rise with age or health issues.

On average, a healthy 30-year-old might pay around $25 to $40 per month for a $250,000 policy, though comparing carriers offering the [best rates](https://www.simplyinsurance.com/best-life-insurance-companies/) can help you find more affordable options. However, these rates can increase significantly for older individuals or those with health issues

## How Much Does Bitcoin Life Insurance Cost By State?

The average cost of bitcoin

[**How Much Is Life Insurance?**](https://www.simplyinsurance.com/how-much-is-term-life-insurance/)

[Best Life Insurance In Alabama](https://www.simplyinsurance.com/best-life-insurance-in-alabama/)