Average homeowners insurance cost in Wyoming

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The average cost of home insurance in Wyoming is $1,885 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Nationwide stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Based on our data, homeowners insurance in Wyoming costs an average of $1,885 per year.
Among all ZIP codes in Wyoming, 82901 has the most affordable rates, averaging around $1,505 annually.
For the lowest insurer rates in Wyoming, Nationwide comes in at an average annual premium of $1,167.

What is the average cost of homeowners insurance in Wyoming?

The average homeowners insurance premium in Wyoming is $1,885 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

On average, homeowners in Wyoming pay $1,885 a year for insurance – a figure based on $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Raising your dwelling coverage from $300,000 to $400,000, with the same liability and deductible, brings the average annual cost to $2,478 in Wyoming.

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 $100,000 Liability and None Deductible	$1,339	$112
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,351	$113
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,885	$157
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,897	$158
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,478	$206
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,490	$207
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,691	$308
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,703	$309
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$5,688	$474
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$5,700	$475

Average home insurance cost in Wyoming by insurer

Nationwide offers the most affordable homeowners insurance in Wyoming, at an average annual premium of $1,167, followed by State Farm and Farmers.

You can save hundreds – if not thousands – of dollars each year by shopping around.

Below are the average annual and monthly insurance rates for Wyoming homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Nationwide	$1,167	$97
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. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Wyoming.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

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

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Wyoming.

Most affordable ZIP codes for home insurance in Wyoming

The lowest rates in Wyoming are found in 82901, where homeowners pay an average of $1,505 per year.

Where you live in Wyoming has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Wyoming.

ZIP code	Average annual rate	Average monthly rate
82901	$1,505	$125
83113	$1,525	$127
83101	$1,530	$128
82930	$1,534	$128
82514	$1,545	$129
83120	$1,552	$129
82944	$1,556	$130
82941	$1,558	$130
83110	$1,562	$130
82423	$1,566	$131

Most expensive ZIP codes for home insurance in Wyoming

At the other end of the spectrum, 82061 has the highest average rates in Wyoming at $2,629 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Wyoming.

ZIP code	Average annual rate	Average monthly rate
82061	$2,629	$219
82050	$2,500	$208
82081	$2,467	$206
82082	$2,465	$205
82731	$2,412	$201
82620	$2,365	$197
82725	$2,327	$194
82215	$2,315	$193
82712	$2,285	$190
82732	$2,229	$186

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 are the best homeowners insurance companies in Wyoming?

Our data points to Farmers 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
Farmers	$2,284	A	0.54	5
Nationwide	$1,167	A+	0.87	4.89
State Farm	$1,717	A++	0.95	4.19
Allstate	$2,822	A+	0.9	3.26

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

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

Source

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

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

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

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will 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.