Best and cheapest companies for home and auto bundles in Wyoming

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Wyoming to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Wyoming when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 15%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Wyoming. On average, you will pay $2,619 when you bundle.

Key Takeaways

In Wyoming, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 15%.
Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
Bundling is usually a smart move, but sometimes it might not be the best option.

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 ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Wyoming.

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

The average bundle discount at Farmers Insurance is $260, or 6%. Without the bundle discount, the average cost of coverage is $4,079. After the bundle discount, that cost goes down to $3,819. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.

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

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Wyoming for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 82009 in Wyoming has the highest average cost for bundling home and auto insurance, at $4,465. See the top 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 bundling home and auto insurance is 82930, with an average cost of $3,348. Here are the 10 cheapest ZIP codes:

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 home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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.