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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 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

Allstate offers an average bundle discount of $1,007, or 17%. Before the bundle discount, you’ll pay an average of $6,025, which will decrease to $5,018 after the discount is applied.

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.

The average bundle discount at is , which is a savings. The cost of home and auto insurance before the discount is , but it lowers to after applying the discount.

offers an average bundle discount of , or . The average rate for coverage before the discount is , and with the discount, it’s reduced to .

Compare home and auto bundles in Wyoming

The amount you can save on home and auto insurance with a bundle in Wyoming varies by company. Here is a breakdown of the rates and savings with top companies.

CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall Rating
State Farm$2,619 4787.4A++15%78.85
Allstate$5,018 3985A+17%68.6
Farmers Insurance$3,819 4382A6%55.1

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

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium 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

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Wyoming.

Most expensive ZIP codes

The most expensive ZIP code in Wyoming for bundling home and auto insurance is 82009, with an average cost of $4,465. Here are the 10 most expensive ZIP codes:

ZIP codeAverage auto and home after discountAverage difference
82009$4,46513%
82001$4,46513%
82007$4,46013%
82716$4,31513%
82644$4,24913%
82609$4,24913%
82604$4,24913%
82718$4,24713%
82601$4,12113%
82214$4,09913%

Least expensive ZIP codes

The most affordable ZIP code in Wyoming for bundling home and auto insurance is 82930, with an average rate of $3,348. Below are the 10 least expensive ZIP codes.

ZIP codeAverage auto and home after discountAverage difference
82930$3,34812%
83113$3,37613%
82331$3,38912%
82301$3,39112%
82325$3,39112%
82435$3,40113%
82501$3,40913%
83128$3,42513%
83110$3,42613%
82901$3,44413%

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.

How much is home and auto bundle insurance in other states

Alabama$2,543/Year
Arizona$2,478/Year
Arkansas$3,119/Year
California$2,866/Year
Colorado$3,605/Year
Delaware$1,952/Year
Florida$3,408/Year
Georgia$3,022/Year
Idaho$1,993/Year
Illinois$2,678/Year
Indiana$2,437/Year
Iowa$2,564/Year
Kansas$3,865/Year
Kentucky$3,465/Year
Louisiana$3,987/Year
Maine$1,385/Year
Maryland$2,935/Year
Michigan$3,651/Year
Minnesota$2,949/Year
Mississippi$3,255/Year
Missouri$3,393/Year
Montana$3,188/Year
Nebraska$4,496/Year
Nevada$2,442/Year
New Hampshire$1,615/Year
New York$3,450/Year
North Carolina$1,823/Year
North Dakota$3,244/Year
Ohio$2,229/Year
Oklahoma$4,641/Year
Oregon$1,701/Year
Pennsylvania$2,589/Year
Rhode Island$1,739/Year
South Carolina$2,766/Year
South Dakota$3,482/Year
Tennessee$2,843/Year
Utah$1,972/Year
Vermont$1,553/Year
Virginia$1,995/Year
Washington$1,762/Year
West Virginia$2,361/Year
Wisconsin$2,083/Year
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Chris Kissell
Contributing Researcher

 
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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.

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