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Life insurance by state

Prices are not the same in all 50 states. Regulators, taxes and carrier appetite differ, and so does the number on your quote. Pick your state to see a real 2026 range, the office that regulates it, and the no-exam routes that are actually available to you.

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AlabamaFinal expense from $41/moAlaskaFinal expense from $41/moArizonaFinal expense from $41/moArkansasFinal expense from $41/moCaliforniaFinal expense from $41/moColoradoFinal expense from $41/moConnecticutFinal expense from $41/moDelawareFinal expense from $41/moWashington DCFinal expense from $41/moFloridaFinal expense from $41/moGeorgiaFinal expense from $41/moHawaiiFinal expense from $41/moIdahoFinal expense from $41/moIllinoisFinal expense from $41/moIndianaFinal expense from $41/moIowaFinal expense from $41/moKansasFinal expense from $41/moKentuckyFinal expense from $41/moLouisianaFinal expense from $41/moMaineFinal expense from $41/moMarylandFinal expense from $41/moMassachusettsFinal expense from $41/moMichiganFinal expense from $41/moMinnesotaFinal expense from $41/moMississippiFinal expense from $41/moMissouriFinal expense from $41/moMontanaFinal expense from $41/moNebraskaFinal expense from $41/moNevadaFinal expense from $41/moNew HampshireFinal expense from $41/moNew JerseyFinal expense from $41/moNew MexicoFinal expense from $41/moNew YorkFinal expense from $41/moNorth CarolinaFinal expense from $41/moNorth DakotaFinal expense from $41/moOhioFinal expense from $41/moOklahomaFinal expense from $41/moOregonFinal expense from $41/moPennsylvaniaFinal expense from $41/moRhode IslandFinal expense from $41/moSouth CarolinaFinal expense from $41/moSouth DakotaFinal expense from $41/moTennesseeFinal expense from $41/moTexasFinal expense from $41/moUtahFinal expense from $41/moVermontFinal expense from $41/moVirginiaFinal expense from $41/moWashingtonFinal expense from $41/moWest VirginiaFinal expense from $41/moWisconsinFinal expense from $41/moWyomingFinal expense from $41/mo

What changes state to state

Three things genuinely move: price (a healthy 35-year-old pays roughly $26–$40/mo for $500k of term, and the spread between the cheapest and dearest states is about 30%), which carriers will write you, and which consumer protections apply - free-look periods, grace periods and contestability windows are set per state, not nationally.

What does not change: rates are banded by age and health class, and every year you wait costs 5–8% for the life of the policy. The cheapest day to price it is today.

Term life rates at 30
AlabamaTerm rates at 30AlaskaTerm rates at 30ArizonaTerm rates at 30ArkansasTerm rates at 30CaliforniaTerm rates at 30ColoradoTerm rates at 30ConnecticutTerm rates at 30DelawareTerm rates at 30FloridaTerm rates at 30GeorgiaTerm rates at 30HawaiiTerm rates at 30IdahoTerm rates at 30IllinoisTerm rates at 30IndianaTerm rates at 30IowaTerm rates at 30KansasTerm rates at 30KentuckyTerm rates at 30LouisianaTerm rates at 30MaineTerm rates at 30MarylandTerm rates at 30MassachusettsTerm rates at 30MichiganTerm rates at 30MinnesotaTerm rates at 30MississippiTerm rates at 30MissouriTerm rates at 30MontanaTerm rates at 30NebraskaTerm rates at 30NevadaTerm rates at 30New HampshireTerm rates at 30New JerseyTerm rates at 30New MexicoTerm rates at 30New YorkTerm rates at 30North CarolinaTerm rates at 30North DakotaTerm rates at 30OhioTerm rates at 30OklahomaTerm rates at 30OregonTerm rates at 30PennsylvaniaTerm rates at 30Rhode IslandTerm rates at 30South CarolinaTerm rates at 30South DakotaTerm rates at 30TennesseeTerm rates at 30TexasTerm rates at 30UtahTerm rates at 30VermontTerm rates at 30VirginiaTerm rates at 30WashingtonTerm rates at 30Washington DCTerm rates at 30West VirginiaTerm rates at 30WisconsinTerm rates at 30WyomingTerm rates at 30

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