Life Insurance Calculator by State
Compare estimated life insurance rates across all 50 states. Select your state to calculate personalized term and whole life insurance premiums.
$25-35
Avg Term Life/Mo
$175-230
Avg Whole Life/Mo
50
State Calculators
Free
Instant Estimates
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Enter your ZIP code to start
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$480+
Average annual savings when comparing quotes
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Select Your State
Alabama~$28/mo
Alaska~$35/mo
Arizona~$30/mo
Arkansas~$27/mo
California~$32/mo
Colorado~$29/mo
Connecticut~$31/mo
Delaware~$30/mo
Florida~$33/mo
Georgia~$29/mo
Hawaii~$28/mo
Idaho~$27/mo
Illinois~$30/mo
Indiana~$28/mo
Iowa~$26/mo
Kansas~$27/mo
Kentucky~$29/mo
Louisiana~$31/mo
Maine~$28/mo
Maryland~$30/mo
Massachusetts~$31/mo
Michigan~$28/mo
Minnesota~$27/mo
Mississippi~$30/mo
Missouri~$28/mo
Montana~$27/mo
Nebraska~$26/mo
Nevada~$31/mo
New Hampshire~$28/mo
New Jersey~$31/mo
New Mexico~$29/mo
New York~$33/mo
North Carolina~$29/mo
North Dakota~$25/mo
Ohio~$28/mo
Oklahoma~$29/mo
Oregon~$29/mo
Pennsylvania~$29/mo
Rhode Island~$30/mo
South Carolina~$29/mo
South Dakota~$26/mo
Tennessee~$29/mo
Texas~$31/mo
Utah~$25/mo
Vermont~$28/mo
Virginia~$29/mo
Washington~$29/mo
West Virginia~$30/mo
Wisconsin~$27/mo
Wyoming~$27/mo
Understanding Life Insurance Costs
Life insurance premiums vary significantly by state, age, health, and coverage type. Term life insurance is the most affordable option, typically costing $25-35/month for a healthy 35-year-old with $500,000 in coverage. Whole life insurance provides permanent coverage but costs 5-10x more.
Key factors that determine your rate:
- Age: Every year you wait increases premiums by ~8-10%
- Health: Excellent health can save you 20-40% on premiums
- Tobacco use: Smokers pay 2-3x more than non-smokers
- Coverage amount: More coverage costs more, but per-unit cost decreases
- State regulations: Some states have rate restrictions that affect pricing