💛 Life insurance cost by state (2026)
The U.S. average is $26 per month. A 20-year, $500,000 term life policy for a healthy 35-year-old applicant. Figures are estimates from public data — see our methodology.
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Life insurance cost in all 50 states
Ranked most to least expensive. Click a state for city-level detail.
| # | State | Avg. life insurance | vs. national |
|---|---|---|---|
| 1 | Alaska | $29 | +12% |
| 2 | Wyoming | $29 | +12% |
| 3 | New York | $28 | +8% |
| 4 | Vermont | $28 | +8% |
| 5 | West Virginia | $28 | +8% |
| 6 | Connecticut | $27 | +4% |
| 7 | Delaware | $27 | +4% |
| 8 | Nebraska | $27 | +4% |
| 9 | Alabama | $26 | 0% |
| 10 | Florida | $26 | 0% |
| 11 | Iowa | $26 | 0% |
| 12 | Kansas | $26 | 0% |
| 13 | Louisiana | $26 | 0% |
| 14 | Maine | $26 | 0% |
| 15 | Mississippi | $26 | 0% |
| 16 | Montana | $26 | 0% |
| 17 | North Carolina | $26 | 0% |
| 18 | Oklahoma | $26 | 0% |
| 19 | South Dakota | $26 | 0% |
| 20 | Wisconsin | $26 | 0% |
| 21 | Arizona | $25 | -4% |
| 22 | Arkansas | $25 | -4% |
| 23 | California | $25 | -4% |
| 24 | Colorado | $25 | -4% |
| 25 | District of Columbia | $25 | -4% |
| 26 | Georgia | $25 | -4% |
| 27 | Idaho | $25 | -4% |
| 28 | Illinois | $25 | -4% |
| 29 | Indiana | $25 | -4% |
| 30 | Kentucky | $25 | -4% |
| 31 | Maryland | $25 | -4% |
| 32 | Massachusetts | $25 | -4% |
| 33 | Michigan | $25 | -4% |
| 34 | Missouri | $25 | -4% |
| 35 | Nevada | $25 | -4% |
| 36 | New Hampshire | $25 | -4% |
| 37 | New Jersey | $25 | -4% |
| 38 | New Mexico | $25 | -4% |
| 39 | North Dakota | $25 | -4% |
| 40 | Ohio | $25 | -4% |
| 41 | Oregon | $25 | -4% |
| 42 | Pennsylvania | $25 | -4% |
| 43 | Rhode Island | $25 | -4% |
| 44 | South Carolina | $25 | -4% |
| 45 | Tennessee | $25 | -4% |
| 46 | Texas | $25 | -4% |
| 47 | Utah | $25 | -4% |
| 48 | Virginia | $25 | -4% |
| 49 | Washington | $25 | -4% |
| 50 | Hawaii | $24 | -8% |
| 51 | Minnesota | $24 | -8% |
Life insurance FAQ
What is the average life insurance cost in the U.S.?
The national average is about $26 per month. A 20-year, $500,000 term life policy for a healthy 35-year-old applicant. Costs vary widely by state — see the table above.
Which states have the cheapest life insurance?
Based on our estimates, the least expensive states include Hawaii, Minnesota, Arizona.
How can I lower my life insurance cost?
Compare at least three quotes, bundle policies, raise your deductible if you have an emergency fund, and re-shop yearly. Use the calculator above to see how your profile changes the price.