Accordia Life vs. State Farm: Best Life Insurance Company in 2021

When it comes to comparing Accordia Life vs. State Farm, Accordia has the cheapest life insurance rates for both men and women. Although State Farm has higher A.M. Best ratings, Accordia received an A rating from the BBB and State Farm isn’t rated at all. To decide if either company is best for you, compare Accordia Life vs. State Farm life insurance rates, ratings, and products.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Apr 26, 2021

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Quick Facts

  • When comparing Accordia Life vs. State Farm, State Farm life insurance is more expensive than Accordia life insurance for both men and women
  • State Farm has a better A.M. Best rating than Accordia
  • Accordia has a great Better Business Bureau rating, while State Farm is unrated by the BBB

There are many companies to choose from when it comes to life insurance. Comparing them side by side is the most effective way to make a decision. We’ll compare the rates and ratings of Accordia Life vs. State Farm life insurance to determine which is the best fit for you.

We’ve all seen Jake from State Farm car insurance commercials. But did you know that State Farm offers life insurance too?

Both companies have a variety of permanent life insurance options, as well as other services. Shop around and compare rates, products, and ratings before you buy Accordia Life or State Farm life insurance.

Before you read more to find out about Accordia Life vs. State Farm, take a look at rates from top companies for free.  Enter your ZIP code now to compare life insurance quotes from multiple companies near you.

Accordia Life vs. State Farm: Which company offers more affordable rates to women?

Your life insurance rates are influenced by a number of variables. The most important factors in deciding your rates are your age, gender, and medical background.

The average Accordia Life vs. State Farm life insurance rates for non-smoking women of different ages are shown in this table.

Accordia Life vs. State Farm Average Monthly Life Insurance Rates for Women (Non-Smokers)
Age of Female Non-SmokerAccordia Life Average Monthly Rates $100,000/20-yearState Farm Average Monthly Rates $100,000/20-year
25$10.68$12.70
30$10.77$13.22
35$11.57$15.40
40$13.71$18.62
45$17.53$22.97
50$23.85$29.32
55$33.38$38.11
60$52.51$60.20
65$95.68$97.44
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Accordia Life insurance is cheaper than State Farm for women no matter the age. However, rates do go up as a woman gets older.

It’s also worth noting that the rates would be higher if you smoke or have other health problems.

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Accordia Life vs. State Farm: Which company offers more affordable rates to men?

Now, let’s compare the average Accordia Life vs. State Farm life insurance rates for men who do not smoke.

Accordia Life vs. State Farm Average Monthly Life Insurance Rates for Men (Non-Smokers)
Age of Male Non-SmokerAccordia Life Average Monthly Rates $100,000/20-yearState Farm Average Monthly Rates $100,000/20-year
25$11.93$14.53
30$12.28$14.96
35$12.28$17.57
40$16.02$21.40
45$422.16$26.54
50$30.79$36.02
55$46.10$50.98
60$75.38$84.91
65$166.88$144.51
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State Farm insurance rates for men are more expensive than rates from Accordia Life.

Men who smoke or have certain medical conditions can pay higher than average rates, just as women do.

Comparing Accordia Life vs. State Farm life insurance quotes can be difficult because Accordia life insurance quotes are not available online. State Farm insurance quotes, on the other hand, can be obtained from the company’s website.

Accordia Life vs. State Farm: Which company is more well-reviewed?

When selecting a life insurance company, ratings are significant. Even if a company has the lowest rates, it will not be the best fit for you if you can’t get quality service.

A.M. Best assesses a company’s financial wellbeing. Ratings go from an A+++ all the way down to a D. Accordia Life received an A, showing it has an excellent ability to meet financial obligations. State Farm received an A++, showing a superior ability to meet financial obligations.

When it comes to the Better Business Bureau (BBB), ratings range from an A+ down to an F. Accordia received an A rating and State Farm is not rated. Neither company is accredited with the BBB.

Coverages available from each company also differ. State Farm offers a variety of insurance coverages, such as car, homeowners, life, and health insurance. The Accordia Life and Annuity Company offers annuities as well as indexed universal life insurance.

Both companies have websites, and you can access your account at any time using your Accordia Life or State Farm login.

To learn more, read our State Farm Life Insurance Review.

While it is possible to find affordable Accordia Life or State Farm life insurance, you should compare products, rates, and ratings to decide if either company is right for you.

Now that you have read more about Accordia Life vs. State Farm life insurance, you may feel ready to start shopping around. Enter your ZIP code now to compare life insurance quotes from various companies in your area for free.

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