Best and cheapest homeowners insurance in Wyoming for 2024

Best home insurance companies in Wyoming: State Farm

The best home insurance company in Wyoming for 2024 is State Farm. Nationwide, Farmers and Allstate are among the top home insurance companies in Wyoming based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Best home insurance in Wyoming
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
State Farm	A++	0.83	4.57	$1,727
Nationwide	A+	1.05	3.92	$1,174
Farmers	A	0.67	3.11	$2,301
Allstate	A+	1.46	2.58	$2,847

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Cheapest home insurance companies in Wyoming: Nationwide

Below are Wyoming home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Nationwide offers the most affordable rates for all dwelling coverages for homeowners in Wyoming, with the exception of USAA. USAA offers the most affordable home insurance for $600,000 and $1,000,000 coverage. However, it provides services only to military veterans and their families.

Cheapest home insurance in Wyoming
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Nationwide	$822	$1,174	$1,562	$2,443	$4,453
USAA*	$1,156	$1,436	$1,709	$2,302	$3,594
State Farm	$1,182	$1,727	$2,417	$3,733	$4,373
Farmers	$1,624	$2,301	$3,097	$4,892	$8,382
Allstate	$1,969	$2,847	$3,662	$5,144	$7,699

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*USAA only provides coverage to military members, veterans and their families.

Average home insurance cost in Wyoming

The average cost of homeowners insurance in Wyoming is $1,897 a year or $158 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Wyoming homeowners insurance companies to get the best deal.

Wyoming home insurance rates by ZIP code

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

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The Wyoming Department of Insurance says...

If you have expensive jewelry, like a diamond engagement ring or vintage necklace, you might want to consider an endorsement/rider. It will take over and protect these items, where a traditional home insurance policy might end. Other things worthy of an endorsement/rider may include antiques, fine art, and priceless stamp or coin collections, to name a few.

- The Wyoming Department of Insurance

Wyoming homeowners insurance rates by county

Home insurance rates in Wyoming vary by county. Take a look at the average rates by county in Wyoming below to see how costs compare.

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Average annual premium

$1,549

$2,534

County	Average annual premium	Average monthly premium
Albany	$1,852	$154
Big Horn	$1,835	$153
Campbell	$2,277	$190
Carbon	$1,649	$137
Converse	$2,102	$175
Crook	$2,143	$179
Fremont	$1,660	$138
Goshen	$2,147	$179
Hot Springs	$1,750	$146
Johnson	$2,072	$173
Laramie	$2,534	$211
Lincoln	$1,577	$131
Natrona	$2,146	$179
Niobrara	$2,091	$174
Park	$1,680	$140
Platte	$2,195	$183
Sheridan	$2,060	$172
Sublette	$1,612	$134
Sweetwater	$1,567	$131
Teton	$1,603	$134
Uinta	$1,549	$129
Washakie	$2,118	$176
Weston	$2,023	$169

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Home insurance rates in Wyoming’s largest cities

Home insurance rates can vary widely depending on where the home is located. To help you compare, we’ve gathered home insurance rates for the largest cities in Wyoming below.

Green River is the cheapest city in Wyoming, with an average annual rate of $1,472, while Cheyenne is the most expensive city with home insurance rates at $2,447 per year.

Home insurance in largest cities in Wyoming
City	Average annual rates
Green River	$ 1,517
Evanston	$ 1,546
Laramie	$ 1,831
Sheridan	$ 1,997
Casper	$ 2,202
Gillette	$ 2,241
Cheyenne	$ 2,477

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Methodology

Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$300,000 liability protection
$1,000 deductible
2% hurricane deductible where appropriate.

To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.