Best Homeowners Insurance in Wyoming
Best cheap homeowners insurance in Wyoming
Cheapest home insurance in Wyoming
For the cheapest homeowners insurance in Wyoming, get a quote from Nationwide. Its average rate is $1,408 a year. That’s 40% less than the state average ($2,323 a year).
State Farm and USAA are the next-cheapest companies for Wyoming home insurance. State Farm’s average rate is $2,046 a year, while USAA’s is $2,132 — though only members of the military and their families can insure with USAA.
Wyoming’s cheapest home insurance companies
| Company | Annual rate | Monthly rate | LendingTree score | |
|---|---|---|---|---|
 | Nationwide | $1,408 | $117 |  |
 | State Farm | $2,046 | $170 |  |
 | USAA* | $2,132 | $178 | |
 | Allstate | $2,841 | $237 | |
 | Farmers | $3,189 | $266 | |
The cost of home insurance differs from company to company and person to person. This is why you should compare home insurance quotes from several companies before you buy or renew a policy.
Comparing quotes lets you see what each company offers side by side so you can choose the one with the cheapest rate.
Best homeowners insurance companies in Wyoming
Wyoming residents looking for the state’s best home insurance companies should start with Nationwide. It has the state’s cheapest rates, on average, and also offers many discounts and coverage options.
State Farm, Farmers and Allstate are also good options for various reasons.
Wyoming’s best homeowners insurance companies
| Company | Best for | Annual rate | Customer satisfaction** | Complaint index*** |
|---|---|---|---|---|
| Nationwide | Low rates | $1,408 | 641 | 0.96 |
| Farmers | Discounts | $3,189 | 609 | 0.85 |
| Allstate | Add-ons | $2,841 | 631 | 1.3 |
| State Farm | Customer service | $2,046 | 643 | 1.05 |
***Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.
Best company overall: Nationwide
Nationwide is the best homeowners insurance company in Wyoming because it has the lowest rates and offers more discounts and add-on coverages than most other companies.
Some of the things you can get Nationwide home insurance discounts for:
- Certain home renovations
- Protective devices
- Living in a gated community
Nationwide’s add-ons cover things like:
- Roof replacement
- Equipment breakdown
- Water backup
Pros
- Cheapest average rate in the state
- Many discounts to make it even cheaper
- Several optional coverages
Cons
- Average complaint and customer satisfaction ratings
Best discounts: Farmers
Farmers has more home insurance discounts than any other company we surveyed in Wyoming. The company’s rates are also the highest in the state, though, so you might need several discounts to get affordable coverage from Farmers.
You may get a discount from Farmers for:
- Bundling home and auto or other policies
- Going paperless
- Certain home safety features or updates
- Paying your bill on time
Pros
- Many discounts to save you money
- Good complaint rating
Cons
- Higher rates than most other companies
- Poor customer satisfaction score
Best add-on coverages: Allstate
Wyomingites who want to customize their home insurance policies should consider Allstate. You can add many optional coverages to an Allstate policy, including coverage for:
- Business property
- Musical instruments
- Sports equipment
- Yard and garden
Pros
- Many add-on coverage options
- Several discounts
Cons
- Higher rates than most other companies
- Poor complaint and customer satisfaction ratings
Best customer service: State Farm
Most Wyoming homeowners find the best customer satisfaction from State Farm. It earned the highest score
State Farm’s home insurance rates are also the second-cheapest in the state, based on our data.
Pros
- Great customer satisfaction score
- Lower rates than most other companies
Cons
- Not as many discounts or add-ons as other companies
- Average complaint rating
How much is home insurance in Wyoming?
The average homeowner in Wyoming pays $2,323 a year for home insurance. That’s $194 a month.
You might pay more or less than that average amount because of several factors, including where you live in the state and how much coverage you get.
Your home insurance policy’s dwelling coverage
Average home insurance rate by dwelling limit
| Dwelling limit | Annual rate | Monthly rate |
|---|---|---|
| $350,000 | $2,043 | $170 |
| $400,000 | $2,323 | $194 |
| $450,000 | $2,635 | $220 |
Wyoming homeowners insurance rates by city
What you pay for home insurance in Wyoming often varies from city to city. The cheapest Wyoming cities for home insurance
The average cost of home insurance in Wyoming’s biggest cities:
- Cheyenne, $2,993
- Casper, $2,627
- Gillette, $2,688
- Laramie, $2,218
Home insurance rates near you
| City | Annual rate
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
| Monthly rate
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
|
|---|---|---|
| Afton | $1,918 | $160 |
| Aladdin | $2,742 | $228 |
| Albin | $3,034 | $253 |
| Alcova | $2,885 | $240 |
| Alpine | $1,918 | $160 |
| Alta | $1,941 | $162 |
| Alva | $2,580 | $215 |
| Antelope Valley-Crestview | $2,688 | $224 |
| Arapahoe | $1,982 | $165 |
| Arminto | $2,538 | $211 |
| Arvada | $2,521 | $210 |
| Auburn | $2,042 | $170 |
| Baggs | $2,000 | $167 |
| Bairoil | $1,964 | $164 |
| Banner | $2,521 | $210 |
| Bar Nunn | $2,546 | $212 |
| Basin | $2,055 | $171 |
| Bedford | $1,886 | $157 |
| Beulah | $2,742 | $228 |
| Big Horn | $2,538 | $212 |
| Big Piney | $1,880 | $157 |
| Bondurant | $2,004 | $167 |
| Bosler | $2,344 | $195 |
| Boulder | $2,004 | $167 |
| Buffalo | $2,546 | $212 |
| Buford | $2,344 | $195 |
| Burlington | $2,211 | $184 |
| Burns | $2,993 | $249 |
| Byron | $2,324 | $194 |
| Carpenter | $3,189 | $266 |
| Casper | $2,627 | $219 |
| Centennial | $2,244 | $187 |
| Cheyenne | $2,993 | $249 |
| Chugwater | $2,623 | $219 |
| Clearmont | $2,521 | $210 |
| Cody | $1,996 | $166 |
| Cokeville | $1,886 | $157 |
| Cora | $2,004 | $167 |
| Cowley | $2,324 | $194 |
| Crowheart | $2,243 | $187 |
| Daniel | $2,004 | $167 |
| Dayton | $2,380 | $198 |
| Deaver | $2,211 | $184 |
| Devils Tower | $2,580 | $215 |
| Diamondville | $1,886 | $157 |
| Dixon | $2,098 | $175 |
| Douglas | $2,436 | $203 |
| Dubois | $2,120 | $177 |
| Edgerton | $2,457 | $205 |
| Elk Mountain | $1,974 | $165 |
| Emblem | $2,394 | $200 |
| Encampment | $1,974 | $165 |
| Ethete | $1,904 | $159 |
| Etna | $1,944 | $162 |
| Evanston | $1,890 | $158 |
| Evansville | $2,676 | $223 |
| Fairview | $1,944 | $162 |
| Farson | $1,978 | $165 |
| Fe Warren AFB | $2,993 | $249 |
| Fort Bridger | $1,890 | $158 |
| Fort Laramie | $2,515 | $210 |
| Fort Washakie | $1,904 | $159 |
| Four Corners | $2,574 | $214 |
| Fox Farm-College | $2,993 | $249 |
| Frannie | $1,924 | $160 |
| Freedom | $1,911 | $159 |
| Frontier | $2,009 | $167 |
| Garrett | $2,225 | $185 |
| Gillette | $2,688 | $224 |
| Glendo | $2,623 | $219 |
| Glenrock | $2,486 | $207 |
| Granger | $1,978 | $165 |
| Granite Canon | $3,189 | $266 |
| Green River | $1,855 | $155 |
| Greybull | $2,271 | $189 |
| Grover | $1,911 | $159 |
| Guernsey | $2,623 | $219 |
| Hanna | $1,974 | $165 |
| Hartville | $2,819 | $235 |
| Hawk Springs | $2,707 | $226 |
| Hiland | $2,538 | $211 |
| Hillsdale | $3,189 | $266 |
| Hoback | $1,941 | $162 |
| Horse Creek | $3,189 | $266 |
| Hudson | $1,904 | $159 |
| Hulett | $2,391 | $199 |
| Huntley | $2,553 | $213 |
| Hyattville | $2,179 | $182 |
| Jackson | $1,941 | $162 |
| Jay Em | $2,707 | $226 |
| Jeffrey City | $2,013 | $168 |
| Jelm | $2,344 | $195 |
| Kaycee | $2,443 | $204 |
| Kelly | $2,032 | $169 |
| Kemmerer | $1,886 | $157 |
| Kinnear | $1,937 | $161 |
| Kirby | $2,055 | $171 |
| La Barge | $1,886 | $157 |
| Lagrange | $2,515 | $210 |
| Lance Creek | $2,574 | $214 |
| Lander | $1,904 | $159 |
| Laramie | $2,218 | $185 |
| Leiter | $2,380 | $198 |
| Linch | $2,443 | $204 |
| Lingle | $2,515 | $210 |
| Little America | $1,855 | $155 |
| Lonetree | $1,890 | $158 |
| Lost Springs | $2,625 | $219 |
| Lovell | $2,298 | $192 |
| Lucerne | $2,222 | $185 |
| Lusk | $2,385 | $199 |
| Lyman | $1,890 | $158 |
| Lysite | $2,109 | $176 |
| Manderson | $2,179 | $182 |
| Manville | $2,574 | $214 |
| Mc Kinnon | $1,978 | $165 |
| Medicine Bow | $1,988 | $166 |
| Meeteetse | $2,107 | $176 |
| Meriden | $3,027 | $252 |
| Midwest | $2,457 | $205 |
| Mills | $2,676 | $223 |
| Moorcroft | $2,437 | $203 |
| Moose | $1,967 | $164 |
| Moose Wilson Road | $1,941 | $162 |
| Moran | $1,967 | $164 |
| Mountain View | $1,890 | $158 |
| Natrona | $2,676 | $223 |
| Newcastle | $2,385 | $199 |
| Nordic | $1,944 | $162 |
| North Rock Springs | $1,855 | $155 |
| Opal | $1,886 | $157 |
| Osage | $2,385 | $199 |
| Otto | $2,211 | $184 |
| Parkman | $2,521 | $210 |
| Pavillion | $2,061 | $172 |
| Pine Bluffs | $2,993 | $249 |
| Pinedale | $1,913 | $159 |
| Point Of Rocks | $1,855 | $155 |
| Powder River | $2,676 | $223 |
| Powell | $1,924 | $160 |
| Ralston | $2,047 | $171 |
| Ranchester | $2,380 | $198 |
| Ranchettes | $2,993 | $249 |
| Rawlins | $1,974 | $165 |
| Recluse | $2,817 | $235 |
| Reliance | $1,855 | $155 |
| Riverton | $1,937 | $161 |
| Robertson | $1,916 | $160 |
| Rock River | $2,098 | $175 |
| Rock Springs | $1,855 | $155 |
| Rozet | $2,632 | $219 |
| Saddlestring | $2,577 | $215 |
| Saratoga | $1,974 | $165 |
| Savery | $2,098 | $175 |
| Shawnee | $2,625 | $219 |
| Shell | $2,179 | $182 |
| Sheridan | $2,397 | $200 |
| Shirley Basin | $2,098 | $175 |
| Shoshoni | $1,985 | $165 |
| Sinclair | $1,974 | $165 |
| Slater | $2,623 | $219 |
| Smoot | $2,009 | $167 |
| South Greeley | $2,993 | $249 |
| South Park | $1,941 | $162 |
| St. Stephens | $2,061 | $172 |
| Story | $2,490 | $208 |
| Sundance | $2,553 | $213 |
| Superior | $1,855 | $155 |
| Ten Sleep | $2,576 | $215 |
| Teton Village | $1,941 | $162 |
| Thayne | $1,886 | $157 |
| Thermopolis | $2,222 | $185 |
| Tie Siding | $2,225 | $185 |
| Torrington | $2,677 | $223 |
| Upton | $2,431 | $203 |
| Van Tassell | $2,574 | $214 |
| Veteran | $2,707 | $226 |
| Vista West | $2,676 | $223 |
| Walcott | $1,974 | $165 |
| Wamsutter | $2,011 | $168 |
| Wapiti | $2,260 | $188 |
| Warren AFB | $2,993 | $249 |
| Weston | $2,902 | $242 |
| Wheatland | $2,623 | $219 |
| Wilson | $1,941 | $162 |
| Wolf | $2,521 | $210 |
| Worland | $2,549 | $212 |
| Wright | $2,688 | $224 |
| Wyarno | $2,538 | $212 |
| Yoder | $2,515 | $210 |
Frequently asked questions
Nationwide has the cheapest homeowners insurance in Wyoming, according to our research, with an average rate of $117 a month, or $1,408 a year.
State Farm has the second-cheapest average rate of $170 a month, or $2,046 a year.
The average cost of homeowners insurance in Wyoming is $194 a month, or $2,323 a year.
What you pay for home insurance depends on factors like:
- Where you live in the state
- Age of your home
- Amount of coverage you buy
- Deductible you choose
- Your credit, insurance and claims history
Methodology
The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Wyoming. The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
—
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
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*USAA is only available to active-duty and veteran military members and their families.