Male
$40 /month
Female
$34 /month
With strong customer satisfaction and plenty of policy options, State Farm attracts a variety of life insurance shoppers.
Rating Breakdown
Financial strength rating
Exceptional
Online purchase
No
NAIC complaints
Fewer than expected
Policies offered
Term, permanent & no-exam
A good fit for people who have other types of insurance with State Farm, or those seeking a return-of-premium policy.
If you live in Massachusetts or Rhode Island, check out our list of the best life insurance companies.
About State Farm life insurance
State Farm’s exceptional financial strength and track record of customer satisfaction make it an appealing option. A bundling discount may be available if you buy life insurance along with State Farm auto insurance. Although its reach is wide, the company doesn't issue new life insurance policies in Massachusetts or Rhode Island.
State Farm life insurance earned 4.7 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Based on these ratings, State Farm made our 2026 lists in the following categories:
» MORE: Best life insurance companies
Where State Farm stands out
State Farm regularly ranks near the top of J.D. Power’s annual study on life insurance customer satisfaction. State Farm’s track record points to a positive reputation, and customers should expect a personalized experience when working with the company.
Where State Farm falls short
While State Farm operates nationwide, it doesn’t offer life insurance to residents of Massachusetts or Rhode Island. Its Android app also has fewer features than the app for iOS users.
State Farm life insurance policies
Term life insurance. All of these options can be converted to permanent life insurance before a deadline:
Select Term Life. Policies are available in 10-, 20- or 30-year terms, depending on your age, and renewable up to 95. Coverage amounts start at $100,000.
Instant Answer Term Life. Offers $50,000 of coverage lasting until age 50 or 10 years after the policy is issued, whichever is later. State Farm’s instant life insurance doesn’t require a medical exam, but you’ll need to pass a series of health questions to qualify.
Return of Premium Term Life. Coverage starts at $100,000 and is available in 20- or 30-year terms, though you can renew the policy at increased rates. If you keep up with premiums, outlive your term and don’t renew, you’ll get your money back.
Whole life insurance. The lineup includes standard whole life, limited-pay whole life, single-premium whole life and final expense insurance. The company’s standard whole life policy has level premiums. Its limited-pay and single-premium policies allow you to front-load the cost of the insurance so you don't need to pay during retirement. Final expense policies are available to applicants 45 to 80 years old (50 to 75 in New York), and coverage starts at $10,000.
Universal life insurance. State Farm’s standard universal life policy comes with flexible coverage and payment options. The company also offers survivorship and joint universal policies. These policies cover two people, typically spouses.
State Farm life insurance riders
Depending on your policy, you may be able to add riders to your coverage:
Waiver of premium for disability. Pauses premiums if you’re totally disabled for six months or more.
Guaranteed insurability option. Lets you buy extra coverage without having to take another medical exam.
Payor insurance. Applies to a life insurance policy for a child. If the person paying for the policy (such as a parent) dies or becomes disabled, this rider waives the premiums for a specified time period.
» MORE: Compare life insurance quotes
State Farm sample life insurance rates
Below are monthly rates for a 20-year, $500,000 term life insurance policy from State Farm. These are sample rates for a nonsmoking man and woman in excellent health — the final quote you’re offered will depend on factors like your age, health, lifestyle, occupation and driving record.
Age | Monthly rate - man | Monthly rate - woman |
|---|---|---|
20 | $26.99 | $26.09 |
30 | $28.69 | $27.39 |
40 | $40.44 | $33.94 |
50 | $90.04 | $68.74 |
60 | $227.94 | $163.54 |
Source: Insurer's site. Rates reflect the super preferred class and were generated on 10/22/2025. | ||
State Farm customer complaints and satisfaction
A strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Over three years, State Farm has drawn fewer than the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.
State Farm ranked No. 2 out of 22 companies in J.D. Power's 2025 U.S. Life Insurance Study for overall customer satisfaction.
- What Reddit users say about State Farm
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like life insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Comments on Reddit about State Farm life insurance are mixed. Some Redditors believe State Farm’s life insurance rates tend to be too high, though others said they were reasonable. And while commenters praise the company for quickly paying out death benefits, others complain about agents trying to upsell additional policies that may not be necessary.
How State Farm’s customer experience stacks up
State Farm’s website is easy to navigate and offers basic information about each of its life insurance options. You can get a quote for certain term products online.
We called State Farm to ask basic questions about term life insurance. Because we didn’t currently have a State Farm policy or account, it took a while to get through the automated phone system and speak with a human. Once we connected, the representative told us that we’d need to contact a local agent to get answers to our questions.
We also tried State Farm’s live chat feature. The conversation started with a chatbot, but we eventually got through to a live representative. Again, we were told that only our local agent could answer our questions.
State Farm’s online portal allows you to view your policy, pay premiums and see lab results. However, you can’t change beneficiaries online for most life insurance policies.
State Farm has a highly rated mobile app that’s available for Apple and Android phones. The app doesn’t support document downloads for Android users.
What it’s like to apply for a policy with State Farm
You can get a quote for term life insurance or final expense insurance from State Farm’s main life insurance page. You’ll choose your state and the type of policy you want.
Screenshot captured by our editorial team on Nov. 2, 2025.
We opted for term, and were prompted to enter basic information such as gender, birthday, height, weight, nicotine use and current health status. After that, we could choose a term length and coverage amount, or use State Farm’s calculator to get an estimate of how much life insurance you need.
On the next screen, you’ll see your quote and have the option to customize it with things like riders. To move your application beyond that point, you’ll need to enter your personal information and work with a State Farm agent.
Screenshot captured by our editorial team on Nov. 2, 2025.
How State Farm compares to other insurers
State Farm | Amica | MassMutual | |
|---|---|---|---|
Star rating | |||
Financial strength | Exceptional. | Exceptional. | Exceptional. |
NAIC complaints | Fewer than expected. | Close to expected. | Far fewer than expected. |
J.D. Power ranking | #2 out of 22. | N/A. | #6 out of 22. |
Policy types offered | Term, permanent. | Term, permanent. | Term, permanent. |
Online experience | Can get a quote online. | Can get a quote, buy a policy and file a claim online. | Can change beneficiaries online. |
Transparency on website | Above average. | Excellent. | Average. |
Best for | Return-of-premium life insurance. Burial insurance. 40- and 50-year olds. | N/A. | Term life insurance. Whole life insurance. Universal life insurance. |
Read full reviews |
More about State Farm life insurance
State Farm was founded in 1922 by an Illinois farmer. The company sells other insurance products, including:
Farm and ranch insurance.
Health insurance.
Boat insurance.
How to contact State Farm
State Farm can be reached by:
Phone: For existing customers, your best bet is to call your agent. Otherwise, call State Farm's general customer care line on 800-782-8332 and follow the prompts for life insurance.
Email: No customer service email available.
Live chat: Available from the company’s “Contact us” page.
Frequently asked questions
Are State Farm's return-of-premium life insurance policies worth it?
Are State Farm's return-of-premium life insurance policies worth it?
With a return-of-premium life insurance policy, you’ll get a refund of the money you paid for your policy if you’re still alive at the end of the term. But you’ll pay a price — this type of insurance tends to be significantly more expensive than a regular term policy.
Can I get State Farm life insurance if I have a mental health condition?
Can I get State Farm life insurance if I have a mental health condition?
Life insurance companies won’t necessarily refuse to cover you if you have a mental health condition. However, you could end up paying more or even being declined if your condition is serious or not well managed. Not all carriers view mental illnesses the same way, so it’s smart to shop around. A life insurance agent or broker can help you navigate your options.
Does State Farm life insurance build cash value?
Does State Farm life insurance build cash value?
It depends on the policy. Like all permanent life insurance, State Farm’s whole and universal policies will build cash value over time. Its term policies won’t.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. J.D. Power 2025 U.S. Individual Life Insurance Study. Accessed Dec 17, 2025.
How we rate the best life insurance companies
✅ 445 life insurers reviewed
📝 210 policies assessed
🔢 1,515 data points analyzed
📊 Star rating categories
When NerdWallet evaluates life insurance companies, our editorial team considers the insurer's strengths and weaknesses, as well as the things that matter most to customers buying a long-term financial product. We then weigh these factors carefully:
💰 Financial strength (35%). We use AM Best ratings to confirm an insurer’s financial stability and ability to pay claims far into the future. The top life insurance companies have an exceptional financial strength rating of A+ or A++ (Superior).
🗣️ Consumer complaints (35%). Our top-rated life insurance companies have fewer than the expected number of complaints to state regulators over a three-year period, according to the National Association of Insurance Commissioners — so you can expect a smoother customer experience.
☎️ Consumer experience (20%). Insurers who allow consumers to contact them by email, phone and live chat earn the highest scores. The same goes for insurers who support online quotes, beneficiary changes and claims.
👀 Transparency (10%). Our methodology gives higher scores to transparent insurers who clearly display information about their policy options, coverage amounts and term lengths (if applicable) on their site.
⭐ What our star ratings mean
Companies with 5 stars are exceptional, with strong financials, diverse policy lineups and great reputations for customer service.
Companies with 4.5 stars are excellent, with solid financials and policy offerings, and good customer service track records.
Companies with 4.0 stars are good, and potentially great for people looking for niche coverage options.
Companies with 3.5 stars or fewer could do better in certain categories, like financial strength and customer complaints.
NerdWallet does not receive compensation for our star ratings or our reviews. Read more about our life insurance ratings methodology and editorial guidelines.
