Wyoming Home Insurance Costs (2026)

How much is homeowners insurance in Wyoming?

Homeowners insurance in Wyoming averages $148 a month for the house we priced, with rates as of Sept. 30, 2026. The 3 major insurers we compared are USAA (military families only), State Farm and Foremost, and each one priced our sample home in all 27 Wyoming ZIP codes in our data, which span 18 counties. For this house, Wyoming is the 13th least expensive of the 50 states and D.C.

Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.

For the same insurers and ZIP codes, the Wyoming average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $1,778 a year ($148 a month) on both dates.

Homeowners insurance averages by insurer in Wyoming for our sample home (rates as of Sept. 30, 2026)

USAA (military families only) averaged $122 a month ($1,461 a year), State Farm $137 ($1,649) and Foremost $185 ($2,223) for our sample home.

Same sample home: each insurer’s average yearly price in the same Wyoming ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 3 insurers in the table priced the same 27 Wyoming ZIP codes on both dates. Priced on only one date, so not in the table: Allied (Nov. 30, 2025 only).

By ZIP code: each insurer’s yearly price for the same house changed with the Wyoming address:

• USAA (military families only) ran from $1,266 to $1,657 a year by ZIP code and priced all 27 Wyoming ZIP codes in our data.
• State Farm ran from $1,095 to $2,498 a year by ZIP code and priced all 27 Wyoming ZIP codes in our data.
• Foremost ran from $1,937 to $2,584 a year by ZIP code and priced all 27 Wyoming ZIP codes in our data.

Who has the cheapest homeowners insurance in Wyoming?

State Farm had the lowest home average for our sample home of the insurers anyone can buy from, $137 a month ($1,649 a year), 25.8% below Foremost’s $2,223 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Wyoming, ZIP code averages for this house ran from $119 a month in Cody to $187 in Cheyenne, while insurers’ statewide averages ran from $122 to $185.

Same house, different state: how does Wyoming compare?

Wyoming costs less for the identical house than all 6 of its neighbors: its $148 a month is 15.7% below Utah’s $176.

Same sample home: average home insurance prices in Wyoming, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)

Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.

Of the other 49 states and D.C., 12 have a lower average for this house than Wyoming and 38 a higher one.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Wyoming?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Wyoming averages $148 a month ($1,778 a year) across the 3 insurers we compared in 27 ZIP codes (rates as of Sept. 30, 2026). That’s 42.7% below the $258-a-month average of the 50 states and D.C. for the same house. Insurers’ averages for that same house ran from $122 to $185 a month.

Why your Wyoming quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Wyoming quote above the $148 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

Why is home insurance cheaper in Wyoming than in most states?

For our sample house, Wyoming is the 13th least expensive of the 50 states and D.C. Our figures don’t separate causes; these official records show what Wyoming homes face.

A July 29, 2016 hailstorm in Cheyenne dropped hail up to 2.75 inches across, and many homes west of I-25 had significant roof damage, the National Weather Service reported.

Hail is common in southeast Wyoming: the National Weather Service office in Cheyenne says Cheyenne and nearby areas see severe hail reported on more than 6 days a year, and its coverage area had nearly 50 days with hail reports in 2019, the most in its records.

On Aug. 1, 1985, a flash flood in Cheyenne killed 12 people and caused over $61 million in damage after 6.06 inches of rain fell in about 3 hours, the National Weather Service reports.

Wyoming’s homeland security office says 19 of the state’s 23 counties and 66 of 99 municipalities take part in the National Flood Insurance Program.

The largest earthquake on record in Wyoming was a magnitude 6.3 in Yellowstone National Park on Aug. 18, 1959, the Wyoming State Geological Survey reports.

The 2020 Mullen Fire in southeast Wyoming and northern Colorado had burned about 176,213 acres by Oct. 12, 2020, according to the federal InciWeb fire reports.

The Wyoming Department of Insurance reports that fires caused over $2 million in damage in Wyoming in 2021.

How to find cheaper home insurance in Wyoming

For our sample home, Wyoming insurers’ statewide averages ran from $1,461 to $2,223 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: State Farm’s for our sample home ran from $1,095 to $2,498 a year depending on the Wyoming ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 41 months of Wyoming’s $148-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $148-a-month Wyoming average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Wyoming?

Renters insurance for our sample renter averages $11 a month ($126 a year) in Wyoming. The 2 insurers we compared priced our sample renter at $10 and $11 a month, a $1-a-month gap for the same coverage. Only 2 major insurers priced our sample renter in Wyoming in our data, so this average reflects just those two; local and regional insurers we didn’t price may charge more or less, so compare several quotes.

Renters insurance averages by insurer in Wyoming for our sample renter (rates as of Sept. 30, 2026)

USAA (military families only) averaged $10 a month ($119 a year) and State Farm $11 ($134) for our sample renter.

By ZIP code (renters):

• USAA (military families only) ran from $10 to $11 a month by ZIP code for our sample renter and priced all 27 ZIP codes.
• State Farm ran from $11 to $12 a month by ZIP code for our sample renter and priced all 27 ZIP codes.

With only 2 insurers in our data for Wyoming renters insurance, we show both averages instead of calling one the lowest in the state: USAA (military families only) $10 and State Farm $11 a month for our sample renter. Local and regional insurers we didn’t price may charge less for renters insurance, so compare a few quotes.

Wyoming’s renters average is the 2nd least expensive of the 50 states and D.C., 50.7% below their average of $21 a month ($256 a year). Our sample renter’s policy costs about 7% of what our sample home costs to insure in Wyoming.

For the same insurers and ZIP codes, the Wyoming renters average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $11 a month on both dates.

By ZIP code, the Wyoming renters average for our sample renter ran from $10 a month in Laramie (82070) to $11 in Jackson (83001).

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 54 sample prices by 2 insurers across 27 Wyoming ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a Wyoming apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Wyoming, that package averages $11 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 27 Wyoming ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Wyoming

Many Wyoming homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See Wyoming car insurance rates · How bundling home and auto insurance works