Average renters insurance cost in Wyoming

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Renters insurance in Wyoming costs an average of $142 per year, or $12 per month. That’s for a standard policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible – a solid starting point for most renters.

Your actual rate depends on how much coverage you choose, which insurance company you go with, and personal factors like your ZIP code, claims history, and in some states, credit score

How much does renters insurance cost in Wyoming?

Renters insurance in Wyoming costs an average of $12 per month for a standard policy with $40,000 in personal property coverage and $300,000 in liability protection. Your actual premium can vary based on your location, coverage level, and the value of your belongings, so it’s worth comparing quotes from multiple insurers to find the best rate.

As a general rule, opting for a higher deductible can bring your monthly costs down, while adding extra coverage for high-value items like electronics or jewellery will push it up. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Wyoming: Where to start

The average cost of renters insurance in Wyoming is $142 per year, or $12 per month for a standard policy
For the most affordable option, State Farm offers the lowest average rates in Wyoming at around $153 annually
Rates vary quite a bit between insurers, so comparing a few quotes before committing is worth the effort

Which companies offer the cheapest renters insurance in Wyoming?

Among insurers operating in Wyoming, State Farm has the lowest average annual premium at $153.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly rates from various insurers in Wyoming.

Company	Average annual rate	Average monthly rate
State Farm	$153	$13
USAA*	$131	$11

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

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history and other rating factors.

Renters insurance calculator in Wyoming

$130/year

Estimated renters insurance rates in Wyoming

$11

Monthly renters insurance cost in Wyoming

-52%

Compared to national average

How much does renters insurance cost by coverage level in Wyoming?

The average annual cost of renters insurance in Wyoming is $142, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $113 a year for renters insurance in Wyoming. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows average annual renters insurance premiums in Wyoming for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$115	$10
$20,000 with $500 Deductible and $300,000 Liability	$127	$11
$20,000 with $1,000 Deductible and $100,000 Liability	$107	$9
$20,000 with $1,000 Deductible and $300,000 Liability	$113	$9
$40,000 with $500 Deductible and $100,000 Liability	$149	$12
$40,000 with $500 Deductible and $300,000 Liability	$161	$13
$40,000 with $1,000 Deductible and $100,000 Liability	$130	$11
$40,000 with $1,000 Deductible and $300,000 Liability	$142	$12
$60,000 with $500 Deductible and $100,000 Liability	$177	$15
$60,000 with $500 Deductible and $300,000 Liability	$189	$16
$60,000 with $1,000 Deductible and $100,000 Liability	$156	$13
$60,000 with $1,000 Deductible and $300,000 Liability	$167	$14

People also ask: How much renters insurance coverage do I need?

Most renters need enough coverage to replace their personal belongings and protect against liability claims. A common starting point is $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. That said, the right amount really depends on the value of what you own, any endorsements you might add for higher-value items, and how much risk you’re comfortable carrying yourself.

How much does renters insurance cost by city in Wyoming?

Renters insurance rates in Wyoming aren’t the same across the board – where you live within the state can make a noticeable difference. Local factors like crime rates, weather exposure, and population density all influence what insurers charge.

Here’s a look at how average rates compare across major cities in Wyoming.

Renters insurance rates in Wyoming by city

See rates in your city

Casper

Cheyenne

Gillette

Does your ZIP code affect renters insurance rates in Wyoming?

Your ZIP code is one of the most significant factors in how insurers price your policy. Areas with higher rates of theft, more frequent weather events, or a greater number of past claims tend to see higher premiums – even for the same level of coverage.

In Wyoming, annual rates range from roughly $142 in 83110 to $150 in 83414. Below are the cheapest and most expensive ZIP codes for renters insurance in Wyoming.

Why your ZIP code affects renters insurance costs

Insurers use neighborhood-level risk data when calculating your premium, which means rates can differ significantly from one ZIP code to the next.

Key factors include:

Theft and vandalism rates in your area
Exposure to weather risks like hurricanes, wildfires, or flooding
Historical fire claims and local rebuilding costs

Even shifting a few ZIP codes can change what you pay each month.

What are the most affordable ZIP codes for renters insurance in Wyoming

83110 has the lowest average annual renters insurance cost at $142.

Areas with fewer theft incidents and lower weather-related claim activity tend to have more affordable premiums overall.

ZIP code	City	Average annual rate	Average monthly rate
83110	Afton	$142	$12
82710	Aladdin	$142	$12
82050	Albin	$142	$12
82620	Alcova	$142	$12
83128	Alpine	$142	$12
82711	Alva	$142	$12
82510	Arapahoe	$142	$12
82630	Arminto	$142	$12
82831	Arvada	$142	$12
83111	Auburn	$142	$12

What are the least affordable ZIP codes for renters insurance in Wyoming

At the other end of the spectrum, 83414 has the highest average renters insurance cost in Wyoming, at $150 per year or $12 per month.

Below are average annual rates across all ZIP codes in Wyoming, based on quotes from major providers.

ZIP code	City	Average annual rate	Average monthly rate
83414	Alta	$150	$12
83001	Jackson	$150	$12
83011	Kelly	$150	$12
83012	Moose	$150	$12
83014	Moose Wilson Road	$150	$12
83013	Moran	$150	$12
83025	Teton Village	$150	$12
83110	Afton	$142	$12
82710	Aladdin	$142	$12
82050	Albin	$142	$12

How to lower your renters insurance, even in a high-cost ZIP code

Get quotes from at least 3 insurers – rates for identical coverage can differ by $100 or more within the same ZIP code
Bundle your renters and auto insurance to cut 5% to 15% off your premium
Ask about discounts for safety features like smoke detectors, deadbolts, security systems, or smart home devices
Raise your deductible from $500 to $1,000 – this alone can reduce your premium by around 10%
If you haven’t filed a claim in 3 or more years, ask about a claims-free discount

Is renters insurance worth it in Wyoming?

For the vast majority of renters in Wyoming, a renters insurance policy is a smart financial decision. It covers your personal belongings against fire, theft, vandalism, and certain disasters, and provides liability protection if a guest is injured in your home.

Data from the US Department of Commerce, US Census Bureau, and American Community Survey shows that roughly 48% of renter households in the US spend more than 30% of their income on housing costs – which means every recurring expense, including insurance, deserves careful consideration.

The best approach is to compare policies rather than just prices. Coverage quality, deductibles, and customer service all factor into whether a policy is actually good value. Paying a little more for stronger coverage often makes sense when it’s time to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in Wyoming?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part of the lease.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

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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.