Nationwide is the best home insurance company in Wyoming for non-military homeowners, with an overall rating of 4.33. If you’re eligible as a military member or veteran, USAA ranks at the top with an overall rating of 4.95.
USAA also offers the cheapest home insurance in Wyoming for those who qualify, but Allstate offers the cheapest coverage for non-military homeowners at most coverage levels.
With so many options out there, it is not easy to choose a homeowners insurance company in Wyoming. You need a reliable company that will provide you with quality service at an affordable price. Read on to find the best home insurance for your needs.
Key takeaways
- The average cost of homeowners insurance in Wyoming is $1,801 a year or $150 a month.
- The cheapest homeowners insurance in Wyoming is Nationwide at an average annual rate of $1,233., unless you qualify for USAA.
- Nationwide is the best home insurance company that’s available to all homeowners in Wyoming for 2023.
Average home insurance cost in Wyoming
The average cost of homeowners insurance in Wyoming is $1,801 a year or $150 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.
Best home insurance companies in Wyoming
The best home insurance company in Wyoming for 2023 is USAA, but if you aren’t a military family, the top home insurer is Nationwide, followed by State Farm.
Below is a full list of the top Wyoming insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
*USAA only provides coverage to military members, veterans and their families.
Cheapest home insurance companies in Wyoming
Below are Wyoming home insurance rates by company for six 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 in all categories for homeowners in Wyoming, with the exception of USAA.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| USAA | $ 681 | $ 854 | $ 1,017 | $ 1,201 | $ 1,364 |
| Nationwide | $ 862 | $ 1,233 | $ 1,648 | $ 2,106 | $ 2,581 |
| State Farm | $ 1,182 | $ 1,727 | $ 2,417 | $ 3,087 | $ 3,733 |
| Farmers | $ 1,842 | $ 2,618 | $ 3,534 | $ 4,594 | $ 5,599 |
| Allstate | $ 1,976 | $ 2,857 | $ 3,675 | $ 4,507 | $ 5,161 |
*USAA only provides coverage to military members, veterans and their families.
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
Average home insurance rates in CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
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.
| City | Average annual rates |
|---|---|
| Green River | $ 1,472 |
| North Rock Springs | $ 1,472 |
| Evanston | $ 1,503 |
| Laramie | $ 1,802 |
| Sheridan | $ 1,958 |
| Casper | $ 2,169 |
| Gillette | $ 2,200 |
| Cheyenne | $ 2,447 |
