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

Data updated in 2024

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

Data updated in 2024

*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

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

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

Least expensive

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

Data updated in 2024

Read our methodology

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

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.