AMCO Insurance is the cheapest home insurance option for most homeowners in Wyoming, with an average monthly savings of $410. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in Wyoming
Updated: May 27, 2025
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Key Takeaways
AMCO Insurance offers the lowest-cost home insurance in Wyoming overall, with potential savings of up to 91%.
If you own a new home or have bad credit, AMCO Insurance offers the cheapest homeowners insurance in Wyoming.
AMCO Insurance offers the most affordable home coverage for those in high-risk fire areas in Wyoming.
What is the Cheapest Home Insurance in Wyoming?
| AMCO Insurance | $90 | $1,075 | 39% |
| State Farm | $130 | $1,564 | 11% |
| Foremost Insurance | $158 | $1,891 | -7% |
| Allstate | $211 | $2,530 | -43% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
While these companies may offer the lowest rates in Wyoming, evaluating their customer service reputation and coverage options is important. To help, we’ve created a separate guide to the best home insurance companies in Wyoming, providing a more comprehensive overview.
Cheapest Wyoming Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Farmers is typically the cheapest overall, AMCO Insurance offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| AMCO Insurance | Older Homes | $90 |
| AMCO Insurance | Newer Homes | $50 |
| AMCO Insurance | Homes in High Risk Fire Areas | $105 |
| AMCO Insurance | Bad Credit | $114 |
*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap Wyoming Home Insurance
The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age:Older Homes
| AMCO Insurance | $94 | $1,133 |
| State Farm | $130 | $1,564 |
| Foremost Insurance | $176 | $2,114 |
| Allstate | $233 | $2,801 |
Cheapest Wyoming Home Insurance By City
Risk factors for insurers vary by location, making some providers more affordable than others. In most Wyoming cities, AMCO Insurance offers the lowest rates. However, in certain areas, other providers might present more affordable options, highlighting the importance of comparing rates across different locations.
| Cheyenne | AMCO Insurance | $108 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest Wyoming Home Insurance for You
Finding affordable home insurance in Wyoming can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
It's easy to get oversold on coverage when you don't have limits in mind before buying. Determine your home insurance coverage needs beforehand to avoid purchasing too much. Understanding the different types of home protection available helps ensure you don't miss something important.
- 2
Research home insurance cost information
Check home insurance costs in Wyoming to develop realistic price expectations. Actively inquire about discount eligibility because providers don't typically include these benefits without explicit requests.
- 3
Bundle your policies
Enjoy substantial premium reductions by bundling home insurance with auto coverage in Wyoming.
- 4
Compare multiple companies apples to apples
To ensure you’re getting a good deal, compare quotes for the same coverage. Once aligned, gather as many quotes as possible using different methods to find the best rate.
Cheap Home Insurance Wyoming: Bottom Line
AMCO Insurance, State Farm, and Foremost Insurance offer Wyoming's most affordable home insurance. Denied coverage? The TFPA provides low-cost policies. Always compare multiple companies, research costs, and understand your coverage needs before choosing.
Cheapest Home Insurance Wyoming: FAQ
Below are answers to frequently asked questions about the cheapest home insurance in Wyoming:
What is the cheapest home insurance company in Wyoming?
AMCO Insurance offers the lowest rates for newer homes in Wyoming at $50 per month or $595 per year. However, homeowners with older properties or higher fire protection needs may find better rates with AMCO Insurance.
How expensive is home insurance in Wyoming?
Wyoming has the 28th-highest home insurance rates in the U.S.
How much is home insurance in Wyoming?
You need enough home insurance to cover the full replacement cost of your home, the value of your possessions, and any specific risks in your area.
While not required by law if you own your home outright, mortgage providers often require sufficient dwelling coverage to rebuild your home in the event of total loss. Additionally, select insurance that covers the actual value of your personal property, considers local hazards, and protects unique and valuable items.
How much home insurance do I need?
You need enough home insurance to cover the full replacement cost of your home, the value of your possessions, and any specific risks in your area.
While not required by law if you own your home outright, mortgage providers often require sufficient dwelling coverage to rebuild your home in the event of total loss. Additionally, select insurance that covers the actual value of your personal property, considers local hazards, and protects unique and valuable items.
How We Found the Cheapest Home Insurance Companies in Wyoming
To determine the cheapest home insurance companies in Wyoming, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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.