Average renters insurance cost in Gillette, Wyoming

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The average cost of renters insurance in Gillette, Wyoming is $142 per year – same as the state average of $142 annually.

A renters insurance policy protects your personal belongings from events like fire, smoke, theft, and vandalism, and provides liability coverage if you’re found responsible for injuring someone or damaging their property.

Your rate will vary based on the insurer you choose, your deductible, coverage limits, ZIP code, and the discounts available to you.

How to get the best deal for renters insurance in Gillette

Request quotes from at least three different insurers – pricing varies significantly, and the savings from switching can reach hundreds of dollars a year.
Combine your renters policy with your auto or another insurance policy at the same company to qualify for a bundling discount.
Consider raising your deductible from $500 to $1,000 – it can reduce your annual premium by $14.
Inquire about discounts for home safety features like deadbolts, smoke alarms, or a monitored security system.
Opt to pay your premium annually rather than monthly – most insurers reward this with a lower rate.

What is the average cost of renters insurance per month in Gillette?

Renters insurance costs in Gillette depend on both your insurer and the coverage level you choose. The average monthly rate for a policy with $20,000 in personal property coverage and a $1,000 deductible is $9.

Stepping up to $40,000 in personal property coverage adds roughly $3 more per month, bringing the typical premium to $12 – which includes $40,000 in personal property coverage, $100,000 in liability protection, and a $1,000 deductible. That’s equals to the state average of $12.

Key takeaways

Renters insurance protects your belongings and provides liability coverage in your rental home
Renters insurance in Gillette costs an average of $142 annually
State Farm is the most affordable insurer in the city
Your premium is affected by your insurer, coverage limits, ZIP code, and eligible discounts
Higher coverage limits make sense if you own valuables such as electronics, jewelry, or high-end furniture

How much is renters insurance in Gillette? Rates by deductible

A policy with a $500 deductible and $20,000 in personal property coverage costs an average of $127 per year in Gillette.

Your deductible is the amount you pay out of pocket before your coverage kicks in. Raising it is one of the simplest ways to reduce your premium – going from $500 to $1,000 can trim $14 from your annual bill.

The table below breaks down renters insurance premiums by personal property coverage amount and deductible.

Deductible	Rates with $20,000 personal property	$40,000 personal property	$60,000 personal property
500	$127	$161	$189
1000	$113	$142	$167

Who offers affordable renters insurance in Gillette?

State Farm tops the list for affordability in Gillette, coming in at $153 per year or $13 monthly.

The table below compares average annual and monthly premiums from the most affordable renters insurance providers in Gillette.

Renter insurance provider	Average annual rate	Average per month rate
State Farm	$153	$13
USAA*	$130	$11

*USAA is only available to military community members and their families.

How to lower the cost of renters insurance

You can lower the cost of renters insurance by shopping around, bundling policies, and going for a higher deductible.

Bundle policies. Grouping your renters policy with your auto or other insurance at the same company can lower what you pay across the board.
Increase your deductible. Choosing a higher deductible brings your premium down immediately – just be certain the amount is something you could manage out of pocket following a claim.
Choose the right coverage amount. Revisit your coverage limits annually. If your personal belongings haven’t grown in value, you may be spending more on personal property coverage than necessary.
Avoid filing small claims. Repeated small claims can cause your rates to climb faster than one large claim would. For minor incidents, absorbing the cost yourself often makes more financial sense.
Improve your credit score. Credit scores influence insurance pricing in most states – a higher score is one of the clearest ways to bring your premium down over time.
Compare quotes every renewal. Rates evolve year to year, and loyalty doesn’t always pay. Setting aside 30 minutes to shop around at renewal can save you a meaningful amount annually.

Renters insurance replaces belongings that are stolen or damaged, and covers your financial exposure when you’re liable for someone else’s loss. Comparing providers and claiming every discount you qualify for are the most reliable ways to keep your premium in check.

Frequently asked questions

Is renters insurance required in Gillette?

No state law mandates it, but your landlord may. Regardless, having coverage protects your belongings and shields you from liability if a guest is injured in your home.

What does renters insurance cover?

A renters policy covers personal belongings that are stolen or damaged, liability claims you’re responsible for, and temporary living expenses if a covered event makes your rental uninhabitable.

How much renters insurance do I need?

Enough to replace everything you own if it were stolen or destroyed. If you have high-value items like electronics, furniture, or jewelry, consider higher limits or scheduled coverage for those specific items.

Who has the cheapest renters insurance in Gillette?

State Farm offers the lowest average rates in Gillette at $13 per month.

Methodology

Insure.com worked with Quadrant Information Services to compile renters insurance rate data for Gillette, using a policy with $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible. All rates are based on a good credit tier profile.

How much is renters insurance in other cities?

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Casper

Cheyenne

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.