Wyoming's best home insurance companies are State Farm, AMCO Insurance, Allstate and Foremost. State Farm excels in customer service, AMCO leads in affordability, and Foremost tops in coverage options. Compare all our top picks below.
Best Homeowners Insurance in Wyoming
Updated: November 13, 2025
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Key Takeaways
Based on our 2025 research, the top three home insurance providers in Wyoming are State Farm, AMCO Insurance and Allstate.
State Farm offers the best overall home insurance for most Wyoming homeowners. For those with bad credit, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details and compare multiple quotes.
Who Are the Best Home Insurance Companies in Wyoming?
| State Farm | 94 | 1 | 1 | 2 |
| AMCO Insurance | 65 | 2 | 4 | 4 |
| Allstate | 60 | 3 | 2 | 2 |
| Foremost Insurance | 46 | 4 | 3 | 1 |
*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 specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Our rankings show the best overall providers, but the right choice for you can still depend on your home type and personal needs. Here are the top insurers across the major categories.
| State Farm | 94 | Best Overall |
| State Farm | 94 | Best for Older Homes |
| State Farm | 94 | Best for Newer Homes |
| State Farm | 94 | Best for High-Fire-Risk Areas |
| State Farm | 94 | Best for Bad Credit |
| State Farm | 94 | Best With a Claims History |
Best Wyoming Home Insurance Reviews
Take a look at the top home insurance providers in Wyoming. These companies earned high MoneyGeek scores for affordability, customer service and coverage options.
State Farm: Best for Affordability and Customer Service
State Farm is the most affordable home insurance provider for most Wyoming homeowners. According to J.D. Power, it also ranks above the national average in customer service, placing seventh in customer satisfaction and eighth in claims satisfaction. State Farm offers underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| Newer Homes | $81 | $974 |
| Newer Homes in High-Fire-Risk Areas | $81 | $974 |
| Older Homes | $130 | $1,564 |
| Older Homes in High-Fire-Risk Areas | $130 | $1,564 |
Foremost: Best for Coverage
While Foremost is the least affordable provider in Wyoming with a lower customer experience rating, the company does have the most extensive add-on coverage selection in the state. They offer many unique coverage selections not offered by any other providers on our list including new car replacement, diminishing deductible and rideshare coverages.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $84 | $1,013 |
| Newer Homes in High-Fire-Risk Areas | $116 | $1,392 |
| Older Homes | $131 | $1,577 |
| Older Homes in High-Fire-Risk Areas | $181 | $2,168 |
How to Find the Best Home Insurance in Wyoming
Choosing the right insurance coverage can feel confusing, so we put together a clear guide to help you find what works best for your needs.
- 1Determine Your Coverage Needs
Think about the coverage level you need by looking at your home’s value, your belongings and local risks in Wyoming, such as wildfire or flooding. These factors help you decide how much protection makes sense.
- 2Research Costs and Discounts
Check average home insurance costs in Wyoming so you know what to expect. Look into discounts you might qualify for, including bundling or adding safety devices to your home.
- 3Find the Best Providers for You
With your coverage needs in mind, look for the best and most affordable home insurance options in Wyoming. Pay attention to customer service, pricing and any endorsements that match what you’re looking for.
- 4Compare Multiple Providers
Get quotes in different ways, such as online, through an agent or over the phone. Compare a few sources to see which option fits you best.
- 5Review and Finalize Your Policy
Once you have narrowed it down, go through the policy details carefully. Make sure the coverage amounts, discounts and terms match what you need before you finalize your choice.
Best Homeowners Insurance in Wyoming: Bottom Line
State Farm, AMCO Insurance and Allstate are the top-rated homeowners insurance providers in Wyoming. Even so, it still helps to compare your plans to find the most suitable choice.
Best Home Insurance in Wyoming: FAQ
Check our FAQ section for quick answers about choosing the right home insurance provider in Wyoming.
Which company is best for home insurance in Wyoming?
State Farm is the best homeowners insurance provider in Wyoming because of its top rankings in affordability, customer service, and coverage options. AMCO Insurance, Allstate, and Foremost Insurance are also commendable choices in Wyoming.
Who has the most affordable homeowners insurance in Wyoming?
The most affordable homeowners insurance in Wyoming varies based on individual circumstances. However, the average cost in Wyoming is $1,171 annually.
How do you get the best homeowners insurance in Wyoming?
To find the best home insurance in Wyoming, decide on your coverage needs beforehand, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Wyoming: Our Methodology
We rated the best homeowners insurance providers in Wyoming using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by 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.