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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Wyoming to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Wyoming when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 15%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Wyoming. On average, you will pay $2,619 when you bundle.

Key Takeaways

  • In Wyoming, State Farm offers the biggest average discount of 15% on home and auto insurance bundles.
  • Different companies offer varying discounts for bundling, so it’s worth shopping around.
  • Where you live in the state can affect how much you save by bundling.
  • Bundling is generally a good idea, but in a few situations, it might not save you money.

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 assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Wyoming for home and auto bundling.

State Farm

State Farm offers an average bundle discount of $451, which is a 15% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,070, and after applying the bundle discount, the total cost drops to $2,619.

Allstate

The average bundle discount at Allstate is $1,007, or 17%. Without a bundle discount, customers pay $6,025 for coverage. After the bundle discount, customers pay $5,018 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance offers an average discount of $260 when you bundle your auto and home insurance, which is about 6%. Without the discount, the average cost is $4,079, but with the discount, it drops to $3,819.

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

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Wyoming for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 82009 in Wyoming has the highest average cost for bundling home and auto insurance, at $4,465. See the top 10 most expensive ZIP codes below.

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
Washington, D.C.$2,506/Year
West Virginia$2,361/Year
Wisconsin$2,083/Year
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Chris Kissell
Contributing Researcher

 
  

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

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