Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Wyoming Average homeowners insurance cost in Wyoming Homeowners insurance in Wyoming costs $1,885 per year or $157 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Wyoming homeowners insurance costs $1,885 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Wyoming. Key Takeaways Homeowners insurance costs an average of $1,885 a year, based on Insure.com analysis.Of all the ZIP codes in Wyoming, 82901 has the most affordable home insurance rates at around $1,505 annually.In Wyoming, Nationwide provides the most affordable home insurance at an average annual premium of $1,167. Average home insurance cost in Wyoming by coverage levelThe average cost of homeowners insurance in Wyoming is $1,885 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,478 per year for homeowners insurance in Wyoming for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Wyoming for dwelling coverage of $300,000, $400,000 and $500,000.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 Homeowners insurance companies in Wyoming decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in WyomingBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Wyoming based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Farmers received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreFarmers$2,284A0.545Nationwide$1,167A+0.874.89State Farm$1,717A++0.954.19Allstate$2,822A+0.93.26Average homeowners insurance cost by company in WyomingNationwide 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 if you shop around for homeowners insurance.Here 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 rateNationwide$1,167$97State Farm$1,717$143Farmers$2,284$190Allstate$2,822$235USAA$1,436$120Wyoming homeowners insurance rates by ZIP codeIn Wyoming, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Wyoming. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in WyomingHomeowners insurance costs in Wyoming can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 82901 area has the most affordable insurance rates, at $1,505 annually or $125 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Wyoming.ZIP codeAverage annual rateAverage monthly rate82901$1,505$12583113$1,525$12783101$1,530$12882930$1,534$12882514$1,545$12983120$1,552$12982944$1,556$13082941$1,558$13083110$1,562$13082423$1,566$131Most expensive ZIP codes for home insurance rates in WyomingYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Wyoming, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.82061 has the most expensive homeowners insurance rates in Wyoming at an average annual cost of $2,629.Below, we’ve highlighted some of the most expensive ZIP codes in Wyoming for home insurance:ZIP codeAverage annual rateAverage monthly rate82061$2,629$21982050$2,500$20882081$2,467$20682082$2,465$20582731$2,412$20182620$2,365$19782725$2,327$19482215$2,315$19382712$2,285$19082732$2,229$186Home 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 cityCasperCheyenneGilletteLaramieHome insurance rate trend in WyomingWe analyzed home insurance rate trends in Wyoming and found that homeowners insurance rates experienced an overall increase of only 2% or $39, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,683$1,846$1,885To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Wyoming.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 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$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Wyoming Average renters insurance cost in Wyoming Average car insurance cost in Wyoming Non-owner car insurance in Wyoming How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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