Best and cheapest companies for home and auto bundles in Wyoming

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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Wyoming to identify which ones provide significant savings when combining multiple coverage types.

State Farm provides the highest percentage discount on home and auto insurance premiums in Wyoming when you bundle your policies. By choosing this insurer, you can save an average of 15% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Wyoming. When you bundle your policies, you can expect to pay an average of $2,619.

Key Takeaways

In Wyoming, State Farm is the best home and auto bundle insurance provider, offering an average discount of 15%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Wyoming

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Wyoming for home and auto bundling.

State Farm

State Farm offers a 15% bundle discount, which amounts to an average savings of $451. The combined cost of home and auto insurance before the discount is $3,070, and after the discount, it drops to $2,619.

Allstate

The average bundle discount at Allstate is $1,007, or 17%. Without a bundle discount, customers pay $6,025 for coverage. After the bundle discount, customers pay $5,018 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Farmers Insurance

Bundling auto and home insurance with Farmers Insurance can save an average of $260, or 6%. Without the discount, the coverage costs $4,079, but after the discount, it’s only $3,819.

Compare home and auto bundles in Wyoming

Bundling your home and auto insurance in Wyoming can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,619	47	87.4	A++	15%	78.85
Allstate	$5,018	39	85	A+	17%	68.6
Farmers Insurance	$3,819	43	82	A	6%	55.1

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What company offers the cheapest home and auto bundles in Wyoming?

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,581	$1,489	$3,070	$2,619
Farmers Insurance	$2,315	$1,764	$4,079	$3,819
Allstate	$2,904	$3,121	$6,025	$5,018

Most and least expensive ZIP codes for home and auto insurance bundles in Wyoming

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Wyoming for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in Wyoming for home and auto insurance bundling is 82009 at an average rate of $4,465. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
82009	$4,465	13%
82001	$4,465	13%
82007	$4,460	13%
82716	$4,315	13%
82644	$4,249	13%
82609	$4,249	13%
82604	$4,249	13%
82718	$4,247	13%
82601	$4,121	13%
82214	$4,099	13%

Least expensive ZIP codes

The least expensive ZIP code in Wyoming for home and auto insurance bundling is 82930 at an average rate of $3,348. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
82930	$3,348	12%
83113	$3,376	13%
82331	$3,389	12%
82301	$3,391	12%
82325	$3,391	12%
82435	$3,401	13%
82501	$3,409	13%
83128	$3,425	13%
83110	$3,426	13%
82901	$3,444	13%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in Wyoming?

Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

Remember when buying insurance that you’re doing so to protect your most valuable assets, says Christine O’Brien, president of the Insurance Council of New Jersey. Take the time to learn about policy limits and coverages and get several quotes.

How can you switch to a home and auto bundle in Wyoming?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

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Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.