In Ohio, for men, Nationwide is the top life insurance provider, with a MoneyGeek score of 97 and a monthly premium of $16. Women find their best option with GEICO, with a MoneyGeek score of 96 and a monthly premium of $13. Different factors shape the best life insurance purchase: policy types, coverage needs and premium affordability.
Best Life Insurance in Ohio (November 2024)
Updated: November 21, 2024
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BestLife InsuranceOhioBest Life Insurance Companies in Ohio
Best Term Life Insurance in Ohio - Nationwide
Best Whole Life Insurance in Ohio - State Farm
Best Universal Life Insurance in Ohio - Nationwide
Best No-Medical-Exam Life Insurance in Ohio - Nationwide
Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in Ohio.
Coverage costs and company information for life insurance providers were updated in March 2024.
1,488Quotes Analyzed
14Companies Compared
50ZIP Codes
Best Life Insurance in Ohio: Summary
Data filtered by:Results filtered by:
Category:
Category:Best Life Insurance Overall
Gender:
Gender:M
| Nationwide | 1 | 97 |
| GEICO | 2 | 97 |
| Mutual of Omaha | 3 | 95 |
| Protective | 4 | 93 |
| State Farm | 5 | 93 |
| Haven | 6 | 92 |
| American Family Insurance | 7 | 92 |
| Transamerica | 8 | 92 |
| Prudential | 9 | 91 |
| Allstate | 10 | 90 |
| AAA | 11 | 89 |
Overall Best Life Insurance in Ohio
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies in Ohio:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
Nationwide is the premier life insurance provider in Ohio for men, with a MoneyGeek score of 97 and a monthly premium of $16. For women, GEICO leads with a MoneyGeek score of 96 and a monthly premium of $13.
The top three providers in Ohio are:
- Nationwide: MoneyGeek score of 97 out of 100 ($16 per month for women and men)
- GEICO: MoneyGeek score of 97 out of 100 ($13 per month for women and men)
- Protective: MoneyGeek score of 96 out of 100 ($12 per month for women; $17 per month for men)
Overall Best for Men: Nationwide
COMPANY HIGHLIGHTS
Nationwide provides the best life insurance in Ohio for men, with robust coverage and service. It earned a MoneyGeek score of 97 and offers a monthly premium of $16.
Pros:
- High customer contentment
- High cost-effectiveness
- Diverse and flexible insurance options
Overall Best for Women: GEICO
COMPANY HIGHLIGHTS
As Ohio's leading life insurance provider for women, GEICO stands out with a MoneyGeek score of 96. It offers monthly premiums at $13.
Pros:
- High customer satisfaction rates
- Excellent affordability
- Solid financial stability
Cons:
- Limited product diversity
Best Term Life Insurance in Ohio
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in Ohio:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
Costs are based on quotes gathered for a $250,000 life insurance policy with a 10-year term.
Nationwide is the premier provider of the best term life insurance in Ohio. The company has a MoneyGeek score of 97 regardless of gender, with an affordable monthly premium of $12 for women and $13 for men.
- Nationwide: MoneyGeek score of 97 out of 100 ($12 per month for women; $13 per month for men)
- GEICO: MoneyGeek score of 97 out of 100 ($10 per month for women and men)
- Mutual of Omaha: MoneyGeek score of 96 out of 100 ($11 per month for women; $10 per month for men)
Best Term Life: Nationwide
COMPANY HIGHLIGHTS
With a MoneyGeek score of 97, Nationwide is the best term life insurance option in Ohio. The monthly premium is $12, making it a smart financial decision.
Pros:
- Exceptional customer satisfaction
- Highly affordable rates
- Diverse range of products
Best Whole Life Insurance in Ohio
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies in Ohio :
- Financial Stability: 35%
- Customer Satisfaction: 30%
- Buying Process: 15%
- Product Diversity: 20%
We did not weigh affordability as we did not collect whole life insurance quotes. The company below has the highest score among the companies that offer whole life insurance policies.
State Farm is the best whole life insurance option in Ohio. It earned a MoneyGeek score of 99.
The companies with the three highest MoneyGeek scores are:
- State Farm: MoneyGeek score of 99 out of 100
- Nationwide: MoneyGeek score of 98 out of 100
- American Family Insurance: MoneyGeek score of 96 out of 100
Best Whole Life: State Farm
COMPANY HIGHLIGHTS
State Farm is the leading provider of whole life insurance in Ohio, with the top MoneyGeek score of 99. It scored well due to its exceptional customer satisfaction and robust financial stability.
Pros:
- High customer satisfaction
- Diverse product offerings
- Straightforward buying process
Best Universal Life Insurance in Ohio
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies in Ohio:
- Financial Stability: 25%
- Customer Satisfaction: 25%
- Buying Process: 25%
- Product Diversity: 25%
We did not weigh affordability as we did not collect universal life insurance quotes. The company below has the highest score among the companies that offer universal life insurance policies.
With a MoneyGeek score of 99, Nationwide is the premier provider of the best universal life insurance in Ohio. Its near-perfect scores are due to its high customer satisfaction, affordability, product diversity and process stability.
The three top scorers are:
- Nationwide: MoneyGeek score of 99 out of 100
- State Farm: MoneyGeek score of 98 out of 100
- American Family Insurance: MoneyGeek score of 97 out of 100
Best Universal Life: Nationwide
COMPANY HIGHLIGHTS
Nationwide is the top insurer for universal life insurance in Ohio. With a MoneyGeek score of 99, it's the choice for people prioritizing quality and service.
Pros:
- High customer satisfaction
- Diverse range of products
Best No-Medical-Exam Life Insurance in Ohio
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best no-medical-exam life insurance companies in Ohio:
- Financial Stability: 20%
- Customer Satisfaction: 25%
- Buying Process: 20%
- Product Diversity: 35%
We did not weigh affordability as we did not collect no medical life insurance quotes. The company below has the highest score among the companies that offer life insurance policies without mandatory medical exams.
Nationwide is the best no-medical-exam life insurance provider in Ohio, with a MoneyGeek score of 99. Nationwide's consistency across all categories underscores its commitment to providing comprehensive and accessible life insurance solutions without the need for medical examinations.
The top three highest scores were earned by:
- Nationwide: MoneyGeek score of 99 out of 100
- State Farm: MoneyGeek score of 99 out of 100
- American Family Insurance: MoneyGeek score of 98 out of 100
Best No-Medical-Exam Life Insurance Ohio
COMPANY HIGHLIGHTS
Nationwide, with a MoneyGeek score of 99, is the premier provider of no-medical-exam life insurance in Ohio. Its trusted reputation makes it the best choice for those seeking reliable coverage without the hassle of a medical exam.
Pros:
- Outstanding customer satisfaction
- Diverse range of insurance products
Best Term Life Insurance for Seniors in Ohio
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors in Ohio:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the persona for the quote was adjusted to reflect an age of 70 for a more accurate estimate.
Nationwide is the provider of the best term life insurance for seniors in Ohio. It earned scores of 98 for women and 97 for men and offers monthly premiums averaging $45 for women and $48 for men, Nationwide's high customer satisfaction and robust financial stability positions them as the top choice for seniors seeking reliable coverage.
Best Term Life Insurance for Seniors in Ohio
Data filtered by:Results filtered by:
Sex:
Sex:M
| Nationwide | 1 | $48 | 97 |
| GEICO | 2 | $40 | 97 |
| Mutual of Omaha | 3 | $49 | 96 |
| State Farm | 4 | $86 | 93 |
| Protective | 5 | $57 | 93 |
| Prudential | 6 | $58 | 93 |
| Transamerica | 7 | $57 | 92 |
| AAA | 8 | $82 | 90 |
| Allstate | 9 | $73 | 89 |
| Haven | 10 | $91 | 89 |
Best Term Life Insurance for Smokers in Ohio
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in Ohio for people who smoke:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the persona for the quote was adjusted to reflect an active smoker for a more accurate estimate.
Two companies offer the best term life insurance for smokers in Ohio. GEICO is best for men, with a MoneyGeek score at 96 and a monthly premium cost of $24. For women, Allstate tops the chart, with a MoneyGeek score of 94 and a monthly premium of $15. These insurers rise above the rest due to a combination of exceptional satisfaction, affordability and financial stability.
Best Term Life Insurance for Smokers in Ohio
Data filtered by:Results filtered by:
Sex:
Sex:M
| GEICO | 1 | $24 | 96 |
| Mutual of Omaha | 2 | $26 | 96 |
| Nationwide | 3 | $32 | 96 |
| State Farm | 4 | $37 | 95 |
| Prudential | 5 | $26 | 94 |
| Transamerica | 6 | $23 | 94 |
| Allstate | 7 | $24 | 94 |
| Protective | 8 | $39 | 91 |
| Haven | 9 | $46 | 90 |
| AAA | 10 | $48 | 89 |
Best Term Life Insurance for Young Adults in Ohio
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in Ohio for young adults:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the persona for the quote was adjusted to reflect an age of 20 for a more accurate estimate.
Nationwide offers the best term life insurance for young adults in Ohio. Offering a MoneyGeek Score of approximately 97 for women and 98 for men, the monthly premium costs are $11 for women and $9 for men. Nationwide's exemplary satisfaction and process scores are the primary contributors to its leading position, ensuring that young adults in Ohio receive not only affordable but also reliable term life insurance services.
Best Term Life Insurance for Young Adults in Ohio
Data filtered by:Results filtered by:
Sex:
Sex:M
| Nationwide | 1 | $9 | 98 |
| Mutual of Omaha | 2 | $8 | 97 |
| GEICO | 3 | $6 | 97 |
| State Farm | 4 | $14 | 95 |
| Protective | 5 | $8 | 95 |
| Haven | 6 | $10 | 94 |
| Transamerica | 7 | $9 | 93 |
| Prudential | 8 | $12 | 93 |
| AAA | 9 | $12 | 93 |
| Allstate | 10 | $14 | 91 |
| Bestow | 11 | $24 | 89 |
Best Cheap Term Life Insurance in Ohio
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies in Ohio:
- Affordability: 50%
- Financial Stability: 15%
- Buying Process: 20%
- Customer Satisfaction: 5%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the quote was adjusted to reflect a 10-year term with minimum coverage.
Transamerica and GEICO are provide the best cheap term life insurance in Ohio, boasting MoneyGeek scores of 97 regardless of gender, with monthly premiums of $9 and $10 for women and men, respectively. These scores signify their exceptional service and product offerings in the competitive term life insurance market. Both companies have set themselves apart by achieving the highest marks for quality coverage at affordable rates.
Best Cheap Term Life Insurance in Ohio
Data filtered by:Results filtered by:
Gender:
Gender:M
| GEICO | $10 | 97 |
| Nationwide | $13 | 96 |
| Mutual of Omaha | $12 | 96 |
| Transamerica | $14 | 93 |
| Protective | $13 | 93 |
| State Farm | $23 | 89 |
| Prudential | $18 | 89 |
| Allstate | $21 | 89 |
| Haven | $17 | 88 |
| AAA | $20 | 87 |
Average Cost of Term Life Insurance in Ohio
The average cost of life insurance in Ohio is $30 for women and $41 for men. This difference highlights how gender impacts the average cost of life insurance. Other factors influencing these costs include age, health, coverage amount, term length and lifestyle. Smokers, for example, often face higher premiums.
FAQ: Life Insurance in Ohio
What is the best life insurance in Ohio for men?
The top life insurance provider in Ohio for men, according to the MoneyGeek score, is Nationwide.
How much is life insurance in Ohio for men?
The cost of life insurance in Ohio for men can be influenced by various factors, including age, health and lifestyle. The monthly premium for the highest-rated life insurance, Nationwide, is $16.
What is the best life insurance in Ohio for women?
The best life insurance in Ohio for women is offered by GEICO.
How much is life insurance in Ohio for women?
The cost of life insurance for women in Ohio is influenced by several factors including age, health and coverage amount. The best life insurance provider, GEICO, offers an average monthly premium of about $13.
About Mark Fitzpatrick
Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.
Mark earned a master's degree in Economics and International Relations from Johns Hopkins University and a bachelor's degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.