Updated: October 21, 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:
Oct 30, 2025
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Table of Contents
To establish the average cost of homeowners insurance in Wyoming, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of home insurance in Wyoming as of 2024.
In Wyoming, the average homeowners insurance premium for a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage is $1,721. This figure is less than the national average of $2,423.
Selecting how much coverage you need is a key decision. It should be enough to rebuild your home and cover your personal belongings after a total loss.
For example, in Wyoming, a basic policy offering $100K in dwelling coverage costs an average of $904 annually. On the other hand, a more comprehensive policy with $500K in dwelling coverage averages at $3,411 per year.
| $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 |
Homeowners insurance premiums in Wyoming can vary widely between providers, even for similar coverage levels. For instance, AMCO Insurance offers a policy priced much lower than Allstate’s while providing comparable protection for your home.
Differences in underwriting often lead to large variations in premium costs, which is why it’s important to compare multiple providers when searching for the best homeowners insurance in Wyoming.
| 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 you need to rebuild your home and personal property coverage for your belongings.
Bundle your policies. Combine home and auto insurance for potential discounts of up to 10%.
Request quotes for security systems, smoke detectors and claims-free discounts.
Select a deductible you can afford while balancing monthly premium costs.
Review customer satisfaction ratings and claims processing scores before buying.
Wyoming homeowners can save up to 10% by bundling home and auto insurance, between $237 and $516 annually. Compare Wyoming's best home and auto bundles for maximum savings.
Wyoming residents can lower homeowners insurance costs through:
Ask about available discounts 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
