Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Wyoming Average homeowners insurance cost in Wyoming Homeowners insurance in Wyoming costs $1,885 per year or $157 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in Wyoming costs an average of $1,885 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in Wyoming by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $1,885 a year, based on our analysis.Of all the ZIP codes in Wyoming, 82901 has the most affordable home insurance rates at around $1,505 annually.In Wyoming, Nationwide provides the most affordable home insurance at an average annual premium of $1,167. Average home insurance cost in Wyoming by coverage levelHomeowners insurance costs $1,885 a year in Wyoming for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Wyoming will increase to $1,717 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Wyoming for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$1,339$112200000 with 1000 Deductible and 300000 Liability and None Deductible$1,351$113300000 with 1000 Deductible and 100000 Liability and None Deductible$1,885$157300000 with 1000 Deductible and 300000 Liability and None Deductible$1,897$158400000 with 1000 Deductible and 100000 Liability and None Deductible$2,478$206400000 with 1000 Deductible and 300000 Liability and None Deductible$2,490$207600000 with 1000 Deductible and 100000 Liability and None Deductible$3,691$308600000 with 1000 Deductible and 300000 Liability and None Deductible$3,703$3091000000 with 1000 Deductible and 100000 Liability and None Deductible$5,688$4741000000 with 1000 Deductible and 300000 Liability and None Deductible$5,700$475Homeowners insurance companies in Wyoming determine rates based on risk factors. When calculating premiums, they consider your location, claims history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in WyomingBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Wyoming based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Farmers received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreFarmers$2,284A0.545Nationwide$1,167A+0.874.89State Farm$1,717A++0.954.19Allstate$2,822A+0.93.26Average homeowners insurance cost by company in WyomingNationwide provides the most affordable homeowners insurance in Wyoming, with an average annual premium of $1,167. State Farm and Farmers also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Wyoming with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateNationwide$1,167$97State Farm$1,717$143Farmers$2,284$190Allstate$2,822$235USAA$1,436$120Wyoming homeowners insurance rates by ZIP codeInsurance companies in Wyoming assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Wyoming. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in WyomingHome insurance costs vary across different areas in Wyoming. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 82901 ZIP code has the lowest home insurance rates in Wyoming, at $1,505 annually or $125 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in Wyoming.ZIP codeAverage annual rateAverage monthly rate82901$1,505$12583113$1,525$12783101$1,530$12882930$1,534$12882514$1,545$12983120$1,552$12982944$1,556$13082941$1,558$13083110$1,562$13082423$1,566$131Most expensive ZIP codes for home insurance rates in WyomingYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Wyoming, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.82061 has the most expensive homeowners insurance rates in Wyoming at an average annual cost of $2,629.Below, we’ve highlighted some of the most expensive ZIP codes in Wyoming for home insurance:ZIP codeAverage annual rateAverage monthly rate82061$2,629$21982050$2,500$20882081$2,467$20682082$2,465$20582731$2,412$20182620$2,365$19782725$2,327$19482215$2,315$19382712$2,285$19082732$2,229$186Home 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 cityCasperCheyenneGilletteLaramieHome insurance rate trend in WyomingWe analyzed home insurance rate trends in Wyoming and found that homeowners insurance rates experienced an overall increase of only 2% or $39, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,683$1,846$1,885Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Wyoming.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Wyoming Average renters insurance cost in Wyoming Average car insurance cost in Wyoming Non-owner car insurance in Wyoming How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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