Best and cheapest companies for home and auto bundles in Wyoming

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Bundling your home and auto insurance in Wyoming can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, Allstate delivers the highest percentage savings, while State Farm offers the most affordable bundled rates.

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit depends on your home value, driving profile and where you live within Wyoming.

What you need to know about bundling in Wyoming

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
Allstate offers the largest bundle discount in Wyoming, saving about 17%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Wyoming can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

Which companies offer the best home and auto bundles in Wyoming? Here’s our pick

State Farm, Farmers and Allstate rank among the best home and auto bundle companies in Wyoming, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Wyoming:

State Farm

The average bundle discount at State Farm is $482, or 15%. State Farm makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $3,268.

Farmers

The average bundle discount at Farmers is $590, or 13%. For Farmers customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $4,542.

Allstate

The average bundle discount at Allstate is $1,011, or 17%. Bundling with Allstate means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $6,050.

People also ask:

Who has the cheapest home and auto bundle in Wyoming?

State Farm typically provides the most affordable home and auto bundle in Wyoming, with average premiums around $2,786.

How much can you save by bundling home and auto insurance in Wyoming?

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Wyoming?

Home and auto bundle rates in Wyoming can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.

Here’s how rates and savings compare across top insurers in Wyoming:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$1,551	$1,717	0.87	1.15	$2,786	4.59
Farmers	A	A	$2,258	$2,284	1.24	0.89	$3,952	3.64
Allstate	A+	A+	$3,228	$2,822	1.20	1.26	$5,039	2.67

Bundle savings can vary more than you expect

Two insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Wyoming?

State Farm offers the cheapest home and auto bundle in Wyoming, with the lowest overall premium. If you’re looking to maximize savings through discounts, Allstate provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in Wyoming:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,717	$1,551	$3,268	$2,786
Farmers	$2,284	$2,258	$4,542	$3,952
Allstate	$2,822	$3,228	$6,050	$5,039

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price, check three things: the liability limits, the deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in Wyoming?

The most expensive ZIP code for home and auto bundles in Wyoming is 82001, with average rates of $4,391, while the cheapest is 82930, where average premiums drop to $3,249. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in Wyoming for home and auto insurance bundling is 82001 at an average rate of $4,391.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
82001	$4,391	$800	15%
82009	$4,391	$800	15%
82007	$4,387	$799	15%
82716	$4,134	$743	15%
82718	$4,090	$734	15%
82604	$3,974	$742	16%
82609	$3,974	$742	16%
82644	$3,974	$742	16%
82214	$3,967	$704	15%
82721	$3,915	$699	15%

Top ten cheapest ZIP codes

The least expensive ZIP code in Wyoming for home and auto insurance bundling is 82930 at an average rate of $3,249.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
82930	$3,249	$640	16%
82901	$3,261	$620	16%
82501	$3,289	$646	16%
82331	$3,302	$641	16%
82301	$3,303	$642	16%
82325	$3,303	$642	16%
82435	$3,306	$659	17%
83113	$3,329	$676	17%
83128	$3,367	$684	17%
83110	$3,368	$683	17%

Your ZIP code can impact your rate more than your insurer

Location-based risks such as weather patterns, crime rates and rebuilding costs can create major price differences even within the same city. Two homes located less than a mile apart but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is standard, check whether your ZIP code is driving it up – and if you’re planning a move, get insurance quotes for your new address before committing.

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

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 3 companies and 31 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Wyoming can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.

Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.

“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?

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

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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.