Best Homeowners Insurance Companies in Wyoming

State Farm ranks No. 1 in our review of the best home insurance in Wyoming, followed by USAA and Foremost.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: January 29, 2026

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Wyoming's Top Home Insurance Companies: Key Takeaways

State Farm is the best home insurance provider in Wyoming with a score of 4.5 out of 5 from our review team.

USAA, Foremost and Allstate rank high for homeowners insurance in Wyoming based on affordable rates, strong customer service and reliable coverage.

The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.

Wyoming homeowners pay rates below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Wyoming.

What Are the Best Home Insurance Companies in Wyoming?

State Farm ranks first for Wyoming homeowners with the state's lowest premiums and above-average customer satisfaction. USAA, Foremost and Allstate complete the top providers, excelling in areas like military-focused service, premium coverage quality and local agent networks.


State Farm	4.5	$1,555	Most Wyoming homeowners
USAA	5	$1,480	Military families
Foremost	3.8	$1,842	Rural homeowners
Allstate	3.8	$2,693	Customizable coverage

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile.

**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.

State Farm

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.3/5Customer Experience

3.4/5Coverage

J.D. Power Customer Satisfaction Score
657/1,000
Average Annual Premium
$1,555

pros
- Digital tools simplify policy management and claims tracking
- Customer satisfaction scores beat industry average per J.D. Power
- Local agents provide hands-on support
cons
- Some add-on coverages unavailable in certain Wyoming regions
- Online-only purchase lacks agent guidance
- Coverage gaps exist in parts of Wyoming
State Farm offers Wyoming's most affordable home insurance at $1,555 annually. The company provides coverage for personal property against specific perils, including theft and natural disasters, plus optional home replacement cost coverage that ensures full rebuilding costs after a loss. State Farm works well for Wyoming homeowners who want affordable protection with the flexibility of both local agents and digital tools.

State Farm charges $1,555 annually for home insurance in Wyoming, 18% less than the state average of $1,893 and 55% below the national average of $3,467. You can lower your premium through bundling discounts when you combine home and auto policies, plus home security system discounts.


Older Homes	$137	$1,645
Newer Homes	$107	$1,281
Young Homeowners	$129	$1,549
Senior Homeowners	$130	$1,559
High-Risk Fire Homes	$145	$1,742
Smaller Homes	$170	$2,045
Larger Homes	$200	$2,401

State Farm scored 657 out of 1,000 in J.D. Power's customer satisfaction study, beating the industry average of 642. Local agents handle claims and provide personalized service throughout Wyoming. State Farm's online platform lets you get quotes and manage your policy without calling an agent.
State Farm provides standard homeowners coverage with optional add-ons:
- Personal property: Your belongings are covered against theft, fire, and natural disasters
- Home replacement cost: Pays full rebuilding costs after a total loss (optional)
- Dwelling protection: Your home's structure is covered against fire, wind, hail, and other perils
- Liability: Protects you from lawsuits if someone gets hurt on your property
- Additional living expenses: Pays for temporary housing during repairs
- Medical payments: Covers medical bills when guests get injured on your property

USAA

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Customer Experience

5/5Coverage

J.D. Power Customer Satisfaction Score
737/1,000
Average Annual Premium
$1,480

pros
- Digital tools simplify policy management and claims filing
- Coverage options tailored to military family needs
- Customer satisfaction scores beat industry average
cons
- Membership limited to military members and eligible family members
- Claims processing times increase during peak periods
- Service focuses exclusively on military community
USAA offers Wyoming's cheapest home insurance at $1,480 annually for military families and eligible civilians. The insurer provides replacement cost coverage for personal property, ensuring you receive full value for damaged belongings rather than depreciated amounts. Its additional living expenses coverage proves essential for homeowners displaced by Wyoming's frequent natural disasters like wildfires and severe storms.

USAA charges $1,480 annually for home insurance in Wyoming, 22% less than the state average of $1,893 and 57% below the national average of $3,467. Bundle your home and auto policies to lower your premium, or add a home security system for burglar alarms and fire detection devices.


Older Homes	$124	$1,491
Newer Homes	$78	$935
Young Homeowners	$123	$1,471
Senior Homeowners	$124	$1,486
High-Risk Fire Homes	$138	$1,658
Smaller Homes	$107	$1,289
Larger Homes	$135	$1,623

USAA earned 737 out of 1,000 points in the J.D. Power customer satisfaction study, significantly above the industry average of 642. The company operates entirely online and through its app, with tools for policy management and claims filing. USAA designs its coverage for military families in Wyoming, accounting for deployment and frequent relocations.
USAA provides standard homeowners coverage with optional add-ons:
- Home protector: Adds 25% to your dwelling and other structures coverage limits when building costs increase after a loss
- Water backup: Covers damage from water or sewage backing up through plumbing or overflowing from sump pumps
- Earthquake: Protects your home and belongings from earthquake damage, shock waves, or tremors
- Personal injury: Covers legal costs if you're accused of libel, slander, or defamation

Foremost

MoneyGeek Rating

3.8/ 5

4.7/5Affordability

3.3/5Customer Experience

1.7/5Coverage

J.D. Power Customer Satisfaction Score
N/A
Average Annual Premium
$1,842

pros
- Multiple add-on coverage options for customization
- Lowest rates among Wyoming insurers we analyzed
- Specialized coverage for mobile and manufactured homes
cons
- Claims processing takes longer
- Not available in all Wyoming areas
- Fewer local agents
Foremost specializes in mobile and manufactured home coverage, addressing a significant portion of Wyoming's housing stock that other insurers often overlook. The company charges $1,842 annually for coverage and offers endorsements for natural disaster damage from Wyoming's severe storms and hail. Foremost works well for manufactured home owners seeking competitive rates with weather protection options.

Foremost's $1,842 annual premium undercuts Wyoming's state average by 3% and the national average by 47%. Wyoming homeowners accessing bundling discounts pay even less when they combine home and auto policies. Fire detection systems and burglar alarms trigger additional savings on your premium.


Older Homes	$137	$1,645
Newer Homes	$107	$1,281
Young Homeowners	$129	$1,549
Senior Homeowners	$130	$1,559
High-Risk Fire Homes	$145	$1,742
Smaller Homes	$170	$2,045
Larger Homes	$200	$2,401

Foremost Insurance does not have a J.D. Power score, compared to the industry average of 642 points. The company operates through local independent agents who provide personalized service and develop tailored coverage options for unique Wyoming homeowner needs. While this traditional approach offers strong local expertise, Foremost provides limited digital tools compared to larger national insurers.
Foremost provides standard homeowners coverage with specialized add-ons:
- Mobile and manufactured homes: Protection for mobile and manufactured homes, common in rural Wyoming
- Natural disaster protection: Covers damage from hail, windstorms, and severe weather events
- Dwelling coverage: Your home's structure is covered against fire, wind, vandalism, and other perils
- Personal property: Your belongings inside the home are covered against theft, fire, and other covered losses
- Liability: Protects you from lawsuits if someone gets injured on your property
- Additional living expenses: Pays for hotel stays and meals while your home is being repaired

Allstate

MoneyGeek Rating

3.8/ 5

4.1/5Affordability

3.9/5Customer Experience

2.5/5Coverage

J.D. Power Customer Satisfaction Score
633/1,000
Average Annual Premium
$2,693

pros
- Wide range of customizable coverage options available
- Strong financial stability with high ratings
- Strong agent network provides personalized service and support
cons
- Not available in all Wyoming counties
- Some add-on coverages unavailable in certain areas
- Claims processing takes longer than competitors
Wyoming homeowners pay $2,693 annually with Allstate for comprehensive coverage that includes protection against the state's severe storms and hail. Local agents provide personalized service while you adjust coverage based on your home's age, location and unique risk factors. Allstate balances agent support with coverage flexibility for homeowners who want both elements.

Allstate charges Wyoming homeowners $2,693 per year, positioning above the state average but below national rates. The $2,693 premium exceeds Wyoming's average by 42% while undercutting the national average of $3,467 by 22%. You'll reduce this rate through bundled home and auto policies or by adding burglar alarms, fire detection systems and deadbolt locks.


Older Homes	$228	$2,737
Newer Homes	$124	$1,493
Young Homeowners	$207	$2,480
Senior Homeowners	$234	$2,802
High-Risk Fire Homes	$251	$3,018
Smaller Homes	$209	$2,512
Larger Homes	$234	$2,804

J.D. Power's customer satisfaction study scored Allstate at 633 out of 1,000, just slightly below the 642-point industry average. Wyoming homeowners work with local agents familiar with the state's regional insurance requirements for policy questions and claims support. Digital tools let you skip agent calls entirely if you prefer managing your policy and filing claims online.
Allstate provides standard homeowners coverage with optional add-ons:
- Dwelling coverage: Your home's structure is covered against fire, wind, hail, and vandalism
- Personal property: Your belongings are covered against theft, fire and other covered losses
- Liability protection: Covers legal expenses and settlements if someone gets injured on your property
- Additional living expenses: Pays for hotel stays and meals while your home is being repaired
- Natural disaster protection: Enhanced coverage for Wyoming's severe storms, hail and wind damage
- Water damage: Covers burst pipes, plumbing leaks, and appliance malfunctions
- Equipment breakdown: Covers repair or replacement of failed HVAC systems, water heaters and built-in appliances

Best Wyoming Home Insurance by City

USAA offers the best home insurance rates across Wyoming's major cities, ranking first in Albin, Cheyenne, Laramie and Lyman. Annual premiums range from $1,263 to $1,621 across these locations.


Albin	USAA	$1,621
Cheyenne	USAA	$1,621
Laramie	USAA	$1,413
Lyman	USAA	$1,263

Cheapest Wyoming Home Insurance Companies

Wyoming homeowners pay $1,893 annually for home insurance, 45% less than the national average of $3,467. USAA offers the state's most affordable home insurance at $1,480 annually, 22% below the state average. State Farm ranks second at $1,555 per year. Premiums vary among insurers. Allstate represents the expensive end, charging 22% above the national benchmark.

Guide to Finding the Best Wyoming Home Insurance Company

Compare multiple providers based on your coverage needs, budget and service preferences.

Compare Quotes Strategically

Get quotes from at least three to five insurers. Premiums among top Wyoming providers range from $1,480 to $2,693 annually. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.

Check Customer Satisfaction Metrics

Examine complaint ratios through Wyoming Department of Insurance, then review J.D. Power scores ranging from 633 to 737 among the state's leading insurers. Compare these ratings to the 642 industry average to identify standout performers. Focus your research on recent customer reviews that detail claims experiences during Wyoming's hailstorm season, rather than just policy purchase satisfaction.

Evaluate Coverage Needs

Base your coverage limits on replacement cost rather than market value, since construction costs surge after hailstorms and tornadoes damage homes. Review extended or guaranteed replacement cost options alongside essential coverages like wind/hail and tornado protection that address your home's specific weather risks.

Match Service Preferences to Provider Strengths

Choose insurers with local agent networks like State Farm if you want face-to-face support or digital-first insurers like USAA if you prefer online policy management. Don't pay premium prices for services you won't use.

WYOMING HOME INSURANCE RISKS

Between 2018 and 2023, Wyoming averaged 10 hail events per year, one of the highest frequencies in the U.S. per the National Weather Service. Hailstorms pose a major threat to Wyoming homes. Your standard homeowners policy covers hail damage to your roof and property. Flood damage requires separate coverage through the National Flood Insurance Program or your insurer's flood policy.

Top-Rated Home Insurance Companies in Wyoming: FAQ

Explore our FAQ section for answers to common questions about selecting the right Wyoming home insurance provider for your needs.

Do I need separate flood insurance in Wyoming?

Your standard Wyoming homeowners policy doesn't cover flood damage, which requires separate coverage through the National Flood Insurance Program or your insurer's flood policy.

How much does home insurance cost for older homes versus newer homes in Wyoming?

Older homes in Wyoming cost between $1,491 and $2,737 annually to insure, while newer homes range from $935 to $1,493 annually across major providers. Newer homes cost less to insure because they have updated electrical, plumbing and roofing systems that reduce the risk of claims from system failures or weather damage.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to rebuild your home or replace belongings at current prices without deducting for depreciation. Actual cash value coverage subtracts depreciation from claim payments. You receive less money based on your property's age and condition. Actual cash value policies cost less up front but leave you covering more expenses out of pocket after a loss.

Can I get home insurance if I have a trampoline or swimming pool?

You can get home insurance with trampolines or swimming pools, though insurers consider these features liability risks. Many companies require higher premiums, additional safety measures or exclude coverage entirely. Trampolines need safety nets and padding, while pools must have proper fencing and self-closing gates. Maintain adequate liability coverage of at least $300,000 to protect against potential accidents and injury claims.

Our Methodology: Determining the Best Wyoming Home Insurers

Wyoming homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.

We scored insurers across three factors:

Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.

Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.

Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Wyoming's risks.

Our Sample Profile

Rates reflect a homeowner aged 41-60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.

Your rates will vary based on your home's age, location, claims history and credit score.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.

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sources

National Weather Service. "National Weather Service." Accessed February 7, 2026.