Best Wyoming Homeowners Insurance for 2026
State Farm’s low rates and good coverage options make it our top choice for home insurance in Wyoming
Advertising Disclosures
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- State Farm offers Wyoming’s best home insurance, balancing competitive prices with coverage options and discounts that should meet most homeowner needs.
- The average cost of home insurance in Wyoming is $2,396 per year. That’s 9% less than the national average of $2,628 per year.
- Homes in Wyoming can be vulnerable to wildfires, earthquakes, hailstorms and sudden flooding. If your home is located in an at-risk area, make sure you are adequately covered.
- Wyoming does not offer a state-run FAIR plan, so homeowners unable to get a policy on the regular market should consult with an independent insurance agent.
Best homeowners insurance in Wyoming
State Farm’s low rates and good coverage options make it the best choice overall in Wyoming. It provides affordable coverage for homeowners looking to protect their property against the state’s frequent natural events like hailstorms, earthquakes, blizzards and tornadoes. USAA is best for service members and their families.
Best overall: State Farm
Average annual rate: $1,750
Why we chose it: State Farm combines competitive rates with coverage options and discounts that address Wyoming homeowners’ specific needs. This includes add-on policies for things like debris removal and power interruption, and discounts for impact-resistant roofing and wind mitigation features. Its customer service ratings are slightly below average, but for those seeking additional coverage while keeping their rates low, it is the best choice.
Who it’s best for: Homeowners looking for a balance of price and strong weather-related coverage
PROS
- Cheapest rates for most people
- Includes add-on for HOA assessments
CONS
- Slightly below-average customer service scores
Best for military: USAA
Average annual rate: $1,165
Why we chose it: USAA shines in Wyoming by balancing some of the lowest average rates with high customer satisfaction. However, USAA is only available primarily to current and former service members, their spouses, children of USAA members and employees of certain federal agencies. Also, its add-on policy options are limited.
Who it’s best for: Military families
PROS
- Low rates and high customer satisfaction ratings
- Offers umbrella insurance for additional coverage
CONS
- Limited discounts and coverage options available
Best for discounts: Farmers
Average annual rate: $2,351
Why we chose it: Though Farmers costs a lot more than State Farm, it offers 12 discount options, including for new homes, disaster-resistant roofs and smart homes, that can help bring your annual costs down. It also boasts an above-average customer satisfaction rating.
Who it’s best for: Homeowners seeking broad discount options and high customer satisfaction
PROS
- Offers more discounts than most other companies
- Discount for homeowners who pay their bills on time and install smart home systems
- Good customer service
CONS
- Typically has most expensive rates in WY
- Lower customer satisfaction than USAA
Compare home insurance rates and ratings in Wyoming
Rates can vary significantly between insurers. Comparing multiple options can help you find better pricing and coverage.
| Company | Average annual rate * | LendingTree score | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,750 | | 1.4 | |
| Allstate | $1,912 | | 1.2 | |
| Farmers | $2,351 | | 0.7 | |
| USAA** | $1,165 | | 0.5 | |
**USAA is only available to current or former members of the military and their families.
LendingTree analyzed thousands of quotes from top insurers across Wyoming to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Wyoming?
The average cost of home insurance in Wyoming is $2,396 per year. That translates to $200 per month, which is just below the national average of $219 per month.
However, certain areas typically face higher rates. For example, average homeowners insurance in Hillsdale, WY, which only has a population of about 50, is $3,348 per year. This is one of the highest average home insurance rates in the state. That’s largely because Hillsdale sits squarely in “Hail Alley” and faces dozens of severe storms a year.
Also, when considering policies, it’s important to look past the sticker price to compare the real cost — taking into account deductibles, coverage gaps and reimbursement rates for common concerns like roof repairs.
Average home insurance rates by dwelling coverage amount
Below are the average premiums for multiple coverage tiers. Your specific insurance premium will depend on the amount of coverage for your dwelling.
| Company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| State Farm | $1,245 | $1,750 | $2,488 | $4,215 |
| Allstate | $1,504 | $1,912 | $2,490 | $4,926 |
| Farmers | $1,719 | $2,351 | $3,426 | $5,874 |
| USAA | $974 | $1,165 | $1,484 | $2,585 |
| National average | $1,684 | $2,110 | $2,742 | $4,462 |
Home insurance rates in Wyoming by city
Some of the cheapest premiums in Wyoming can be found in the city of Rock Springs and its nearby areas of Green River and Reliance. The average annual cost of homeowners insurance in those locations is $1,892. Homeowners insurance in the resort town of Jackson is also fairly low, at an average of $1,951 per year. That’s likely because the city has strict building codes to protect against natural events like severe weather and flooding.
The state capital, Cheyenne, has some of the highest rates, at an average of $3,088 per year. That’s due in part to the fact that Cheyenne typically experiences between 100 to 250 hail storms a year, with hail measuring several inches in size.
| City | Average rate |
|---|---|
| Afton | $1,935 |
| Aladdin | $2,945 |
| Albin | $3,143 |
| Alcova | $3,107 |
| Alpine | $1,935 |
| Alta | $1,951 |
| Alva | $2,734 |
| Antelope Valley-Crestview | $2,788 |
| Arapahoe | $1,995 |
| Arminto | $2,650 |
| Arvada | $2,638 |
| Auburn | $2,098 |
| Baggs | $2,022 |
| Bairoil | $2,034 |
| Banner | $2,638 |
| Bar Nunn | $2,661 |
| Basin | $2,060 |
| Bedford | $1,892 |
| Beulah | $2,945 |
| Big Horn | $2,660 |
| Big Piney | $1,892 |
| Bondurant | $2,056 |
| Bosler | $2,450 |
| Boulder | $2,056 |
| Buffalo | $2,651 |
| Buford | $2,450 |
| Burlington | $2,266 |
| Burns | $3,088 |
| Byron | $2,411 |
| Carpenter | $3,348 |
| Casper | $2,766 |
| Centennial | $2,317 |
| Cheyenne | $3,088 |
| Chugwater | $2,740 |
| Clearmont | $2,638 |
| Cody | $2,029 |
| Cokeville | $1,892 |
| Cora | $2,056 |
| Cowley | $2,411 |
| Crowheart | $2,337 |
| Daniel | $2,056 |
| Dayton | $2,452 |
| Deaver | $2,266 |
| Devils Tower | $2,734 |
| Diamondville | $1,892 |
| Dixon | $2,151 |
| Douglas | $2,489 |
| Dubois | $2,173 |
| Edgerton | $2,545 |
| Elk Mountain | $1,988 |
| Emblem | $2,505 |
| Encampment | $1,988 |
| Ethete | $1,892 |
| Etna | $1,969 |
| Evanston | $1,892 |
| Evansville | $2,830 |
| Fairview | $1,969 |
| Farson | $2,056 |
| Fe Warren AFB | $3,088 |
| Fort Bridger | $1,892 |
| Fort Laramie | $2,592 |
| Fort Washakie | $1,892 |
| Four Corners | $2,734 |
| Fox Farm-College | $3,088 |
| Frannie | $1,935 |
| Freedom | $1,926 |
| Frontier | $2,056 |
| Garrett | $2,294 |
| Gillette | $2,788 |
| Glendo | $2,740 |
| Glenrock | $2,554 |
| Granger | $2,056 |
| Granite Canon | $3,348 |
| Green River | $1,892 |
| Greybull | $2,341 |
| Grover | $1,926 |
| Guernsey | $2,740 |
| Hanna | $1,988 |
| Hartville | $2,999 |
| Hawk Springs | $2,847 |
| Hiland | $2,650 |
| Hillsdale | $3,348 |
| Hoback | $1,951 |
| Horse Creek | $3,348 |
| Hudson | $1,892 |
| Hulett | $2,484 |
| Huntley | $2,643 |
| Hyattville | $2,224 |
| Jackson | $1,951 |
| Jay Em | $2,847 |
| Jeffrey City | $2,034 |
| Jelm | $2,450 |
| Kaycee | $2,517 |
| Kelly | $2,073 |
| Kemmerer | $1,892 |
| Kinnear | $1,935 |
| Kirby | $2,060 |
| La Barge | $1,892 |
| Lagrange | $2,592 |
| Lance Creek | $2,734 |
| Lander | $1,892 |
| Laramie | $2,282 |
| Leiter | $2,452 |
| Linch | $2,517 |
| Lingle | $2,592 |
| Little America | $1,892 |
| Lonetree | $1,892 |
| Lost Springs | $2,740 |
| Lovell | $2,377 |
| Lucerne | $2,277 |
| Lusk | $2,484 |
| Lyman | $1,892 |
| Lysite | $2,161 |
| Manderson | $2,224 |
| Manville | $2,734 |
| Mc Kinnon | $2,056 |
| Medicine Bow | $2,005 |
| Meeteetse | $2,173 |
| Meriden | $3,137 |
| Midwest | $2,545 |
| Mills | $2,830 |
| Moorcroft | $2,544 |
| Moose | $1,986 |
| Moose Wilson Road | $1,951 |
| Moran | $1,986 |
| Mountain View | $1,892 |
| Natrona | $2,830 |
| Newcastle | $2,484 |
| Nordic | $1,969 |
| North Rock Springs | $1,892 |
| Opal | $1,892 |
| Osage | $2,484 |
| Otto | $2,266 |
| Parkman | $2,638 |
| Pavillion | $2,098 |
| Pine Bluffs | $3,088 |
| Pinedale | $1,935 |
| Point Of Rocks | $1,892 |
| Powder River | $2,830 |
| Powell | $1,935 |
| Ralston | $2,098 |
| Ranchester | $2,452 |
| Ranchettes | $3,088 |
| Rawlins | $1,988 |
| Recluse | $2,962 |
| Reliance | $1,892 |
| Riverton | $1,935 |
| Robertson | $1,926 |
| Rock River | $2,126 |
| Rock Springs | $1,892 |
| Rozet | $2,718 |
| Saddlestring | $2,691 |
| Saratoga | $1,988 |
| Savery | $2,151 |
| Shawnee | $2,740 |
| Shell | $2,224 |
| Sheridan | $2,474 |
| Shirley Basin | $2,151 |
| Shoshoni | $1,997 |
| Sinclair | $1,988 |
| Slater | $2,740 |
| Smoot | $2,056 |
| South Greeley | $3,088 |
| South Park | $1,951 |
| St. Stephens | $2,098 |
| Story | $2,598 |
| Sundance | $2,695 |
| Superior | $1,892 |
| Ten Sleep | $2,685 |
| Teton Village | $1,951 |
| Thayne | $1,892 |
| Thermopolis | $2,277 |
| Tie Siding | $2,294 |
| Torrington | $2,803 |
| Upton | $2,544 |
| Van Tassell | $2,734 |
| Veteran | $2,847 |
| Vista West | $2,830 |
| Walcott | $1,988 |
| Wamsutter | $2,098 |
| Wapiti | $2,376 |
| Warren AFB | $3,088 |
| Weston | $3,073 |
| Wheatland | $2,740 |
| Wilson | $1,951 |
| Wolf | $2,638 |
| Worland | $2,650 |
| Wright | $2,788 |
| Wyarno | $2,660 |
| Yellowstone National Park | $1,997 |
| Yoder | $2,592 |
Current state of homeowners insurance in Wyoming
Homeowners insurance rates in Wyoming remain below the national average, but costs are rising as insurers seek to limit their exposure. Homes that carry more potential risk, like those vulnerable to hail or wildfires, will likely incur higher premiums.
Wyoming’s insurance rates are significantly lower than those found in Colorado and Nebraska, the other two states that make up “Hail Alley.” Colorado’s average rate is $4,717 per year, while Nebraska has the second-most expensive home insurance rate in the country, at $5,519. Still, as out-of-state fires and rising construction costs raise insurance prices nationwide, Wyoming’s market may soon follow suit.
Given the area’s susceptibility to flooding, wildfires and harsh winters, homeowners in Wyoming might benefit from additional protection for home systems and service lines, especially for older homes. (The average house in Wyoming is 48 years old.) You also may receive a discount for doing so, which can provide further savings.
Before signing onto any policy, make sure you understand what the policy is covering as well as any deductibles. As construction costs fluctuate, it’s also important to make sure your dwelling coverage is high enough to reimburse the potential cost of repairs. This can mitigate unforeseen financial strain.
If you live in a wildfire-prone area, consider acquiring a Wildfire Prepared Home certificate for your property. This designation, provided by the Insurance Institute for Business and Home Safety, helps homeowners reduce wildfire risk using proven mitigation actions. The certification may help you secure insurance savings.
Different insurers have different rules, so check with your carrier to confirm any related discounts.
How to compare homeowners insurance in Wyoming
Before you begin reaching out for quotes, be sure you have a good sense of your coverage needs. Then ask about the following:
- Coverage limits: This is the amount you need to be sure your home is fully covered.
- Deductibles: Higher deductibles can lower premiums, but make sure you’ll be able to pay for them when needed.
- Exclusions: Check what isn’t covered, such as wildfires, earthquakes or floods.
- Add-ons: Consider extra coverage for high-value items.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Although Wyoming state law doesn’t require homeowners to hold insurance, mortgage lenders almost always require it. Whatever your circumstances might be, insurance is highly recommended to protect against unforeseen costs.
Wyoming’s annual premium rates fall significantly lower than fellow “Hail Alley” states Colorado and Nebraska in part because of the state’s low population density, relatively tame property crime rates, and affordable cost-of-living and construction expenses. Those factors also help explain why the state’s annual average rate for home insurance also falls below the national average.
FAIR plans are considered a last resort for coverage. Unfortunately, Wyoming is one of 33 states that do not offer some form of FAIR plan. If you are struggling to find coverage, consult an insurance broker who may be able to help you secure appropriate property coverage.
While homeowners in Wyoming may be facing rising insurance costs, some have reported being dropped altogether in recent years. A nonrenewal notice is your insurer notifying you that it will not extend or renew your policy when the term expires. This trend will likely continue as risk factors like wildfire and hail become more pronounced.
If you receive a nonrenewal notice, carefully review it to identify the reasons cited. These might include payment issues, claims history or potential hazards on the property. Next, contact your insurer for more information and to see if reinstatement might be possible. This could require work on your end to address the issues cited. If there is no provision for reinstatement, or if you decide to switch carriers, you’ll need to shop for a new policy.
Home insurance typically includes fire and hail coverage, but flood insurance requires a separate policy. Confirm your coverage in both cases and check reimbursement rates to ensure they would cover actual construction costs if needed to repair damage to your dwelling.
If you live in an area prone to hailstorms, check your home insurance policy to ensure it does not include a separate deductible for hail damage, which can increase your out-of-pocket costs.
Methodology
How we chose the best homeowners insurance in Wyoming
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Wyoming ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our full editorial guidelines for further details.