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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 level

Homeowners 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 rate
200000 with 1000 Deductible and 100000 Liability and None Deductible$1,339$112
200000 with 1000 Deductible and 300000 Liability and None Deductible$1,351$113
300000 with 1000 Deductible and 100000 Liability and None Deductible$1,885$157
300000 with 1000 Deductible and 300000 Liability and None Deductible$1,897$158
400000 with 1000 Deductible and 100000 Liability and None Deductible$2,478$206
400000 with 1000 Deductible and 300000 Liability and None Deductible$2,490$207
600000 with 1000 Deductible and 100000 Liability and None Deductible$3,691$308
600000 with 1000 Deductible and 300000 Liability and None Deductible$3,703$309
1000000 with 1000 Deductible and 100000 Liability and None Deductible$5,688$474
1000000 with 1000 Deductible and 300000 Liability and None Deductible$5,700$475

Homeowners 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 Wyoming

Before 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 score
Farmers$2,284A0.545
Nationwide$1,167A+0.874.89
State Farm$1,717A++0.954.19
Allstate$2,822A+0.93.26

Average homeowners insurance cost by company in Wyoming

Nationwide 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 rate
Nationwide$1,167$97
State Farm$1,717$143
Farmers$2,284$190
Allstate$2,822$235
USAA$1,436$120

Wyoming homeowners insurance rates by ZIP code

Insurance 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 Wyoming

Home 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 rate
82901$1,505$125
83113$1,525$127
83101$1,530$128
82930$1,534$128
82514$1,545$129
83120$1,552$129
82944$1,556$130
82941$1,558$130
83110$1,562$130
82423$1,566$131

Most expensive ZIP codes for home insurance rates in Wyoming

Your 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 rate
82061$2,629$219
82050$2,500$208
82081$2,467$206
82082$2,465$205
82731$2,412$201
82620$2,365$197
82725$2,327$194
82215$2,315$193
82712$2,285$190
82732$2,229$186

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

Home insurance rate trend in Wyoming

We 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$1,885

Finding 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 & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.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 deductible

We 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.

How much is home insurance in other states

Alaska$1,695/Year
Alabama$3,131/Year
Arkansas$3,948/Year
Arizona$2,468/Year
California$1,386/Year
Colorado$4,086/Year
Connecticut$2,205/Year
Washington, D.C.$1,327/Year
Delaware$1,366/Year
Florida$4,405/Year
Georgia$2,286/Year
Hawaii$593/Year
Iowa$2,642/Year
Idaho$1,950/Year
Illinois$3,044/Year
Indiana$2,969/Year
Kansas$4,826/Year
Kentucky$3,314/Year
Louisiana$3,576/Year
Massachusetts$1,622/Year
Maryland$1,707/Year
Maine$1,375/Year
Michigan$2,396/Year
Minnesota$2,399/Year
Missouri$3,528/Year
Mississippi$3,369/Year
Montana$3,265/Year
North Carolina$2,933/Year
North Dakota$3,134/Year
Nebraska$4,785/Year
New Hampshire$1,209/Year
New Jersey$1,506/Year
New Mexico$2,638/Year
Nevada$1,444/Year
New York$1,777/Year
Ohio$2,144/Year
Oklahoma$5,749/Year
Oregon$1,741/Year
Pennsylvania$1,886/Year
Rhode Island$1,932/Year
South Carolina$2,668/Year
South Dakota$3,374/Year
Tennessee$3,045/Year
Texas$3,844/Year
Utah$1,792/Year
Virginia$2,135/Year
Vermont$1,247/Year
Washington$1,596/Year
Wisconsin$1,648/Year
West Virginia$1,886/Year
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Shivani Gite
Contributing Writer

 
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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.

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