Best home insurance company in Wyoming: State Farm
The best home insurance company in Wyoming for 2026 is State Farm. 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.
*USAA only provides coverage to military members, veterans, and their families.
Cheapest home insurance company in Wyoming: State Farm
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 State Farm 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 all coverage levels. However, it provides services only to military veterans and their families.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $1,946 | $2,840 | $3,669 | $5,178 | $6,835 |
| Farmers | $1,616 | $2,299 | $3,106 | $4,923 | $8,340 |
| State Farm | $1,177 | $1,724 | $2,419 | $3,743 | $4,400 |
| USAA | $1,140 | $1,436 | $1,729 | $2,362 | $3,389 |
*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 $2,075 a year or $173 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.
The most expensive ZIP codes in Wyoming for home insurance
Wyoming homeowners insurance rates are the most expensive for ZIP code 82061, with an average annual cost of $2,892.
The most expensive ZIP codes in Wyoming are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Horse Creek | 82061 | $2,892 |
| Hillsdale | 82060 | $2,892 |
| Granite Canon | 82059 | $2,892 |
| Carpenter | 82054 | $2,892 |
| Albin | 82050 | $2,730 |
| Meriden | 82081 | $2,688 |
| Pine Bluffs | 82082 | $2,686 |
| Burns | 82053 | $2,686 |
| Cheyenne | 82009 | $2,686 |
| Cheyenne | 82007 | $2,686 |
The least expensive ZIP codes in Wyoming for home insurance
The cheapest ZIP codes for home insurance in Wyoming are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Fort Washakie | 82514 | $1,662 |
| Hudson | 82515 | $1,662 |
| Lander | 82520 | $1,662 |
| Rock Springs | 82901 | $1,662 |
| Little America | 82929 | $1,662 |
| Evanston | 82930 | $1,662 |
| Fort Bridger | 82933 | $1,662 |
| Green River | 82935 | $1,662 |
| Lonetree | 82936 | $1,662 |
| Lyman | 82937 | $1,662 |
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
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 InsuranceWyoming 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.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Albany | $2,033 | $169 |
| Big Horn | $2,009 | $167 |
| Campbell | $2,494 | $208 |
| Carbon | $1,786 | $149 |
| Converse | $2,294 | $191 |
| Crook | $2,382 | $198 |
| Fremont | $1,792 | $149 |
| Goshen | $2,348 | $196 |
| Hot Springs | $1,901 | $158 |
| Johnson | $2,262 | $188 |
| Laramie | $2,758 | $230 |
| Lincoln | $1,705 | $142 |
| Natrona | $2,385 | $199 |
| Niobrara | $2,322 | $193 |
| Park | $1,832 | $153 |
| Platte | $2,411 | $201 |
| Sheridan | $2,266 | $189 |
| Sublette | $1,755 | $146 |
| Sweetwater | $1,725 | $144 |
| Teton | $1,738 | $145 |
| Uinta | $1,666 | $139 |
| Washakie | $2,328 | $194 |
| Weston | $2,237 | $186 |
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.
Evanston, Green River, and Rock Springs are the cheapest cities in Wyoming, with an average annual rate of $1,173. Cheyenne is the most expensive city, with home insurance rates at $1,883 per year.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 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.
Compare Wyoming homeowners insurance rates with other states
