The Best Homeowners Insurance in Wyoming [2023]


Find a top-ranked Homeowners Insurance Agency in your area

Known as the Cowboy State, Wyoming is known for its stunning landscapes, world-renown national parks, and storied cowboy culture. Whether you prefer the open ranges or snowy mountains, the state offers a variety of picturesque spots to call home. 

With mountain snow causing water runoff, Wyoming homeowners may find themselves facing both flooding and landslide damage, which makes it even more important to find comprehensive coverage to protect your home and personal belongings. 

We at have analyzed a handful of home insurance companies. We’ll uncover everything to know about homeowners insurance in Wyoming, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in Wyoming

The average cost of homeowners insurance in Wyoming is $2,083 per year according The state’s average home insurance cost is $222 less than the national average of $2,305. 

The cost of home insurance in the Cowboy State can differ vastly based on a few key factors:

  • The age of your home: Is your Wyoming home an older home that is at risk of more structural wear and tear?

  • The square footage of your home: How big is your home? In general, larger homes will cost more to insure.

  • The materials used to build your home: Was your Wyoming home built using materials prone to things like rotting or structural damage?

  • Building costs in your area: Because insurance deals with repairs and replacement, coverage increases with increased building costs.

  • The location in which you live: What are crime rates like? How close are you to a fire department? How close are you to water or the coastline?

  • Any additional features: Does your house have a swimming pool or hot tub that could pose a potential risk to guests? Do you have pets, and if so, what are their breeds? Surprisingly, insurers will look at these things when assessing prices.

  • Your deductible: A higher deductible will decrease your premium, but could cost you more if you file an insurance claim. Talk to your insurance company about diminishing deductibles to get the best plan that suits your payment needs.

Wyoming Homeowners Insurance Rates by City

The average annual home insurance rate varies city by city, with Carpenter showing the highest average annual rate in the state. 

To give you an idea of what insurance can cost in your state, we’ve provided a breakdown of the average annual rates by Wyoming city


Average Annual Rate











Big Piney

Rock Springs






The Best Homeowners Insurance Companies in Wyoming

After extensive research, we at Expertise.comfound the following insurance agencies to provide the best, comprehensive coverage in Wyoming:

Chubb logo


Average Annual Rate: ~ N/A

Notes: Provides dwelling and personal property replacement coverage in a standard policy

Travelers logo


Average Annual Rate: ~ N/A

Notes: Doesn’t require prior insurance on the home to qualify

Allstate logo


Average Annual Rate: ~ $2,046

Notes: Bundling home and auto can result in a 25% discount

Farmers logo


Average Annual Rate: ~ $1,888

Notes: Offers 12+ discounts to help you save on your home insurance rates



Average Annual Rate: ~ $1,016

Notes: Good for bundling; Safeco offers single-deductible claims so you only pay one deductible if your home and car are damaged in the same event

Be sure to contact each agency for a more accurate home insurance quote.

Cheapest Homeowners Insurance in Wyoming

The cheapest homeowners insurance coverage in Wyoming is Safeco for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

Remember that each homeowners insurance quote will vary depending on the details of your home and your personal information, so it’s a good idea to get quotes from multiple companies before making a decision. If you’re aiming to keep your home insurance costs low, check Safeco’s coverage options first. 

Searching on phone

Find Cheap Homeowners Insurance in Your Area


Below, we tackle some common questions to help you make a more informed decision about which homeowners insurance to choose in Wyoming specifically. 

How to Reduce Homeowners Insurance Costs in Wyoming

As we’ve pointed out, the price you pay for insurance can vary substantially across insurers. 

Here are a few ways to reduce costs:

  • Increase your deductible. This will help reduce monthly costs to your insurer, but it may mean paying more out of pocket should you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will drive down monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save 5–15% on your insurance premiums. Talk to your insurance company about home and car insurance bundling options and how that helps you save.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or dead-bolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Similar to the above point, rid your home of things that are considered “high risk.” For example, did the kids go off to college? Time to throw out that trampoline that’s sitting in the backyard.

  • Seek out other discounts. Some things to look into:

    • Do you work from home? Insurance providers may feel you’re less prone to theft or may spot a fire or flood sooner.

    • Are you retired? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Are you a new homeowner? Some companies offer discounts for first-time homebuyers.

    • Even something as simple as choosing paperless billing can help you save!

  • Keep good credit. Some agencies will look at your credit history and charge less for those with good financial strength and standings.

As always, consult your insurance agent to see which of the above discounts you qualify for.

Wyoming Insurance Options In Your City

At, our goal is to connect Wyoming residents with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

View our list of the 7 best homeowners insurance agencies here

Learn more about the best options in your respective Wyoming cities below:

Our methodology evaluates each company based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.