State Farm provides Wyoming's best affordable renters insurance, ranking first for low rates while offering strong customer service and coverage options.
Cheap Renters Insurance in Wyoming
Updated: November 13, 2025
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Key Takeaways
State Farm is Wyoming's best overall and cheapest renters insurance company, with annual rates starting at $165.
Wyoming renters insurance costs range from $14 to $17.
To find affordable renters insurance, determine your needs first, research costs and compare multiple quotes.
Best Cheap Renters Insurance Companies in Wyoming
| AMCO | 43 | $17 | $201 |
| State Farm | 100 | $14 | $165 |
*Rates based on good credit, no claims history, $50K property damage, $100K liability coverage, $1,000 deductible and guaranteed replacement.
Wyoming renters face harsh winters and wildfire risks, making our renters insurance estimate calculator critical for determining coverage that handles both cold-weather damage and smoke-related losses.
Wyoming Renters Insurance Quote Estimates
MoneyGeek's renters insurance calculator will give you a customized estimate of your renters insurance costs.
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Rates updated:
Dec 08, 2025
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Compare Personalized Best Cheap Renters Insurance in Wyoming
Our list covers most renters, but your ideal options may differ. Use this filterable table to find the best option for your profile in Wyoming.
Our list covers most renters like Nationwide, Allstate, State Farm, Amica, and more, but your ideal options may differ. Use this filterable table to find the best option for your profile in Wyoming.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Yes
Good
| AMCO | 80 | $11 | $133 |
| State Farm | 63 | $12 | $147 |
Average Cost of Renters Insurance in Wyoming
Renters insurance costs about $12 a month in Wyoming. This $8 below the national average of $20. These rates are for a policy with $50K personal property coverage, $100K liability limits and a $1,000 deductible.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Good
Covered
| $50K Personal Property / $100K Liability | $12 | $140 |
Wyoming Renters Insurance: Buyer's Guide
Finding the best and cheapest renters insurance in Wyoming can be challenging. This guide helps you choose coverage that fits your needs.
How to Find the Best Cheap Renters Insurance in Wyoming
Follow these steps to find the best coverage at the lowest price:
- 1Know your coverage needs
Determine how much insurance you need before comparing rates. List your valuable belongings and consider local risks like weather damage, crime and potential pet incidents.
- 2Check costs and discounts
Research average prices for your situation to set a benchmark. Look for discounts you might qualify for to increase savings.
- 3Research providers
Compare reputations, costs and coverage options from different insurers to create a focused list of potential providers.
- 4Consider bundling
Ask about combining renters insurance with your current auto policy. Bundling often saves enough to offset most or all of your renters insurance cost.
- 5Get multiple quotes
Compare at least five quotes with matching coverage. Use comparison websites, company sites, brokers and phone calls to find the best rates.
- 6Review yearly
Insurance prices change often. Check rates annually to ensure you still have the most affordable coverage.
How Much Renters Insurance Do I Need in Wyoming?
Wyoming law doesn't require renters insurance, but most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit and pets. Consider how much property you want covered, weather risks, local crime rates and pet ownership.
Use our calculator below to determine your ideal personal property limits.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
Wyoming Renter Risk Considerations
- Weather risks: Certain parts of Wyoming are at high risk for earthquakes, wildfires and winter storms.
- Crime risks: Wyoming ranks 34th for property crime and 45th for identity theft and fraud nationwide. Consider add-ons.
- Pet ownership: Depending on your pet, consider pet liability coverage.
- Property types: If you have special tools, valuables, electronics or other structures like a pool needing coverage, standard policies may not be good enough.
How Does Renters Insurance Coverage Work?
Renters insurance covers property damage, liability and loss of use related to your rental. Add-on coverages can make protection more comprehensive.
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Reimburses and replaces personal property within your rental up to specified limits. | |
Standard | Covers you if someone gets injured on your property. | |
Additional living expenses | Standard | Covers expenses due to rental home loss, such as meals, lodging and transportation. |
Natural disasters | Add-on | Separate policies for earthquake and flood coverage available with select providers |
Parts/Equipment | Add-on | Separate policies for tools, appliances and utilities in your rental |
Scheduled property | Add-on | Insures specific valuable items up to certain amounts |
Identity theft | Add-on | Covers against identity theft, covering stolen funds and legal costs. May include monitoring services. |
Pet liability | Add-on | Protects against injuries caused by your pet on rental property. May be covered in standard policies. |
Modifications | Add-on | Covers non-original rental property parts, including custom additions and modifications |
Food loss | Add-on | Reimburses food lost due to covered incidents |
Best Renters Insurance in Wyoming: Bottom Line
State Farm is the best and cheapest overall renters insurance company in Wyoming. While we recommend it, research for yourself and compare multiple companies and quotes to get the best deal.
Renters Insurance in Wyoming: FAQ
What is the cheapest renters insurance company in Wyoming?
State Farm offers the cheapest renters insurance in Wyoming, with an average annual premium of $165 or $14 per month.
What is the best renters insurance company in Wyoming?
State Farm provides Wyoming's best renters insurance, earning a perfect MoneyGeek score of 100.
How much does renters insurance cost in Wyoming?
Renters insurance in Wyoming costs $140 per year or $12 per month on average.
Is renters insurance required in Wyoming?
Wyoming doesn't legally mandate renters insurance, but your landlord may require it. Evaluate your needs and circumstances to determine whether buying a policy is right for you.
Renters insurance provides financial protection against common perils and liability costs from third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
Wyoming renters need coverage that protects their belongings and liability exposure without straining budgets in a state where rural locations and harsh weather create unique insurance considerations. We built this analysis to show you which insurers offer the most affordable rates while delivering reliable service for Wyoming renters.
We used a standard profile to ensure accurate comparisons across providers: $50,000 in personal property coverage, $100,000 in liability coverage, and a $1,000 deductible. We included replacement cost coverage, which pays to replace your belongings at today's prices rather than their depreciated value, and used a good credit score as our starting point. This profile represents standard coverage that protects most Wyoming renters' belongings and provides meaningful liability protection if someone gets injured in your rental.
This profile formed the basis of our affordability score, which made up 60% of the total score. Other factors in our overall ranking included customer satisfaction from industry research **(25%
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.
sources
- American Red Cross. "Which Natural Disasters Should You Prepare For?." Accessed May 6, 2025.
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed May 6, 2025.
- SafeHome.org. "Wyoming: The Best and Worst Cities for Crime." Accessed December 8, 2025.