Average homeowners insurance cost in Wyoming

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Home insurance in Wyoming costs an average of $2,065 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. State Farm offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $2,065 a year, based on our data.
Of all the ZIP codes in Wyoming, 82514 has the most affordable home insurance rates at around $1,654 annually.
In Wyoming, State Farm provides the most affordable home insurance at an average annual premium of $1,717.

What is the average cost of homeowners insurance in Wyoming?

The average homeowners insurance premium in Wyoming is $2,065 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Wyoming? Cost by coverage level

Homeowners insurance in Wyoming costs $2,065 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,720 per year for homeowners insurance in Wyoming for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Wyoming for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,460	$122
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,470	$122
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,065	$172
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,075	$173
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,720	$227
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,730	$228
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$4,042	$337
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$4,051	$338
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$5,725	$477
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$5,735	$478

Average home insurance cost in Wyoming by insurer

The most affordable homeowners insurance in Wyoming comes from State Farm, which averages $1,717 per year. Farmers and Allstate are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Wyoming homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
State Farm	$1,717	$143
Farmers	$2,284	$190
Allstate	$2,822	$235
USAA*	$1,436	$120

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Wyoming.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Wyoming?

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in Wyoming.

Most affordable ZIP codes for home insurance rates in Wyoming

The most affordable rates are in 82514, where homeowners pay $1,654 per year on average.

Not every area in Wyoming has the same home insurance cost. How much you pay for homeowners insurance in Wyoming depends on many factors, including your ZIP code.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Wyoming.

ZIP code	Average annual rate	Average monthly rate
82514	$1,654	$138
82944	$1,681	$140
82423	$1,694	$141
83001	$1,710	$142
83118	$1,721	$143
83012	$1,737	$145
82301	$1,741	$145
82190	$1,754	$146
82329	$1,759	$147
82321	$1,768	$147

Most expensive ZIP codes for home insurance in Wyoming

82054 carries the highest average home insurance rates in Wyoming, at $2,878 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Wyoming.

ZIP code	Average annual rate	Average monthly rate
82054	$2,878	$240
82050	$2,717	$226
82081	$2,676	$223
82001	$2,673	$223
82731	$2,665	$222
82620	$2,662	$222
82215	$2,564	$214
82710	$2,562	$214
82725	$2,559	$213
82240	$2,445	$204

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Wyoming by city

See rates in your city

What’s the trend in home insurance rates for Wyoming?

From the span of 2023 to 2025, Wyoming saw home insurance rates increase by 9%, in line with how the state’s insurance market has been trending overall.

The table below breaks down the year-over-year rate changes going back to 2022:

2022 rates	2023 rates	2025 rates
$1,850	$1,893	$2,065

What are the best homeowners insurance companies in Wyoming?

Our data points to State Farm as the best overall pick in Wyoming, thanks to its AM Best rating of A+ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Wyoming compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
State Farm	$1,717	A+	1.15	4.66
Allstate	$2,822	A+	1.26	4.51
Farmers	$2,284	A	0.89	4.5
USAA*	$1,436	A++	0.46	4.83

*USAA is only available to military community members and their families.

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.