Updated: December 4, 2025
Advertising & Editorial Disclosure
Wyoming homeowners pay an average of $1,721 annually for insurance, which is $702 below the national average of $2,423. Credit scores create the largest rate variations in Wyoming, with premium differences reaching $1,738 between excellent and poor credit.
If your rates have recently increased, we've also analyzed the cheapest plans in the state to help you find the most reasonable options.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 12, 2025
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Table of Contents
MoneyGeek gathered quotes from multiple Wyoming providers using a profile representing the average homeowner to calculate statewide costs.
All rates reflect 2024 Wyoming home insurance averages.
Wyoming homeowners pay an average of $1,721 annually for policies with $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage. That's $702 less than the national average of $2,423.
Your coverage amount determines whether you can rebuild after total loss. Choose enough to reconstruct your home and replace all personal belongings.
Wyoming premiums vary dramatically by coverage level. Basic policies with $100,000 dwelling coverage average $904 annually, while comprehensive $500,000 dwelling coverage runs $3,411 yearly.
| $100K Dwelling / $50K Personal Property / $100K Liability | $904 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,721 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $3,411 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $5,037 |
Wyoming homeowners insurance premiums swing wildly between carriers for identical coverage. AMCO Insurance prices policies significantly lower than Allstate while delivering comparable home protection.
Underwriting differences create massive premium variations. Compare multiple insurers when shopping for the best homeowners insurance in Wyoming to avoid overpaying.
| AMCO Insurance | $1,079 |
| USAA | $1,473 |
| State Farm | $1,554 |
| Foremost Insurance | $1,915 |
| Allstate | $2,584 |
Wyoming homeowners with poor credit pay $3,183 annually, $1,462 more than the state average. Homeowners with excellent credit enjoy lower rates at $1,445 yearly. Your credit score directly influences your insurance premium.
Improving credit takes time, but comparing quotes from multiple insurers can yield immediate savings. Find affordable homeowners insurance options in less than 15 minutes.
| Poor | $3,183 |
| Below Fair | $2,404 |
| Fair | $1,988 |
| Good | $1,721 |
| Excellent | $1,445 |
Your roof type influences Wyoming homeowners insurance premiums. Tile roofs earn lower rates due to their durability, while shake-treated roofs often result in higher premiums because of weather vulnerability.
Construction materials also affect your rates. Fire-resistant materials can lower your insurance costs, while standard frame construction may increase premiums.
Use the drop-downs in the table below to see how premiums change based on your home's materials.
| $100K Dwelling / $50K Personal Property / $100K Liability | $904 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,721 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $3,411 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $5,037 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $6,707 |
Newly constructed Wyoming homes cost $840 yearly to insure—$881 less than the $1,721 average for older homes. New construction earns lower premiums because of updated building codes, modern materials and lack of wear-and-tear.
| Existing Construction (2000) | $1,721 |
| New Construction (2023) | $840 |
Claims-free Wyoming homeowners pay $1,721 annually. Filing one claim raises your premium to $2,103, while two claims within five years can increase it to $2,423.
| Claim free for 5+ years | $1,721 |
| 1 claim in past 5 years | $2,103 |
| 2 claims in past 5 years | $2,423 |
In Wyoming, wildfires and floods are among the biggest threats to homes. Most homeowners insurance policies cover wildfire damage, but flood protection usually requires separate coverage.
Finding good homeowners insurance rates in Wyoming is simpler than you think. Follow these steps:
Calculate how much coverage you need to rebuild your home completely and replace all personal belongings.
Bundle home and auto insurance together. You'll save up to 10% on combined premiums.
Ask about discounts for security systems, smoke detectors and claims-free history when requesting quotes.
Choose a deductible you can actually pay during emergencies while keeping monthly premiums affordable.
Check customer satisfaction ratings and claims processing scores before purchasing coverage.
Bundle home and auto insurance to save up to 10% in Wyoming, cutting $237 to $516 from annual premiums. Compare Wyoming's best home and auto bundles to maximize savings.
Wyoming residents can cut homeowners insurance costs with these discounts:
Ask about every available discount when requesting quotes to maximize your savings.
AMCO Insurance provides the lowest average premium in Wyoming at $1,079. Learn more about cheap national providers.
Damage from wildfires, a common disaster in Wyoming, are generally covered by homeowners insurance. For more, see Does Homeowners Insurance Cover Wildfires?
No, standard homeowners insurance doesn't cover flood damage. Purchase separate flood insurance through the National Flood Insurance Program, private insurers or as an endorsement from some home insurers.
Coverage amount creates the largest premium differences in Wyoming, with a $4,133 gap between minimum and maximum coverage levels. Credit score ranks second, creating up to $1,738 in premium differences.
Bundling home and auto insurance in Wyoming can help you save as much as 10% on your premiums, which adds up to around $516 a year.
Here's a curated list of tools and information to help you navigate insurance options in the Cowboy State:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
