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How to get cheap homeowners insurance in Wyoming


Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. Home insurance protects your dwelling, personal property, and other buildings from an array of circumstances, including theft, fire, vandalism, or wind damage.

Unlike auto insurance, homeowners policies aren’t priced based on state-level legislation. Even so, major discrepancies exist in homeowners insurance costs on a state-by-state basis. Home insurance policy costs in states vary depending on the total number and value of home insurance claims filed in that particular state, and depend on the value of the belongings and structures covered by the policy.

The best way to find affordable homeowners insurance in Wyoming is to shop around and compare rates from multiple companies. Find out typical homeowners insurance rates in Wyoming by reviewing the below data. Remember: your rates will vary, depending on your coverage limits.


Homeowners insurance in Wyoming:
  1. By company
  2. Rates by city
  3. Rates by coverage level
  4. Rates by deductible amount
  5. Bundling
  6. FAQs


Home insurance prices in Wyoming by carrier

Prices for home insurance in Wyoming differ depending on the insurance company you select. Safeco sells the cheapest homeowners insurance in Wyoming — just $740 per year. This compares favorably to the state's average cost of $1,171, providing a $430 discount on average statewide home insurance costs.

Start looking for a homeowners insurance policy by reviewing the most affordable Wyoming home insurance carriers, listed below.


CompanyAverage 12-Month Rate in Wyoming
State Farm$1,497


Wyoming home insurance costs by city

Not all Wyoming cities have the same home insurance rates. Policy pricing depends on local variables such as the number of homeowners claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.

The cheapest homeowners insurance in Wyoming is available in Green River. A typical homeowners insurance term in Green River totals just $869 per year — $302 less than the average policy in other Wyoming cities. The below cities have the most affordable homeowners insurance in Wyoming.


CityAverage 12-Month Home Insurance Rate
Green River$869


Average homeowners insurance costs in Wyoming by coverage amount

Your chosen level of homeowners coverage impacts the insurance premiums you pay . In Wyoming, carrying $100K dwelling coverage costs an average of $530 per year, while carrying additional coverage up to $400K costs $1,537/year.


Coverage LevelAverage Annual Rate
$100,000 Dwelling$530
$200,000 Dwelling$820
$250,000 Dwelling$986
$400,000 Dwelling$1,537


Home insurance deductibles in Wyoming

Wyoming homeowners have a lot of decisions to make when deciding on a homeowners policy, including how high or low to set their deductible. The deductible is the amount the insured is responsible for paying toward a covered loss. The deductible level you choose can impact how much you pay in insurance premiums.

Put simply, a higher deductible translates to lower insurance rates. Therefore, consider a higher deductible if your are hoping to pay lower home insurance premiums. Keep in mind that your deductible should only be set as high as you can reasonably afford in the event of a covered loss.

The following table reveals the typical rates affiliated with deductibles offered by most home insurers.


Deductible LevelAverage Annual Home Insurance Rate


Home and auto insurance bundles in Wyoming

If you're looking for savings, consider purchasing both your home and auto insurance policies from one company. A home and car insurance bundle in Wyoming can lead to substantial savings on your auto insurance policy. Bundling policies in Wyoming leads to yearly savings of $134.



Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)



Bundling home and auto policies is a great way to save. Find a policy today!


Wyoming home insurance FAQs


Does Amica Mutual sell homeowners insurance in Wyoming?

Amica Mutual does in fact offer homeowners insurance in Wyoming

Is home insurance required in Wyoming?

While Wyoming does not require homeowners insurance, it is a good idea to carry this coverage to protect your property against loss. Also, keep in mind that your mortgage lender may require homowners coverage as a part of the lending agreement.


Earthquake insurance in Wyoming

Wyoming endures roughly 84 earthquakes per year, which means that Wyoming residents may want to look into getting earthquake insurance.* This type of protection isn't a standard feature of home insurance policies. You can add earthquake coverage as an added endorsement to your current policy and protects you against damages that result from earthquakes.

Aftershocks pose another serious threat. An aftershock can be quite powerful, and often continue causing damage long after the initial event. Fortunately, having this coverage means that you pay a single deductible for losses resulting from the initial earthquake as well as all related aftershocks that happen within a 72-hour period.

If your home is in an area prone to earthquakes, expect higher homeowners insurance rates, especially in the highest-risk locations. Earthquake insurance is not available from most standard insurers, but there are some options for those who live in states where earthquakes are a real threat. Companies in Wyoming may allow you to purchase an endorsement to cover damage from earthquakes. Keep in mind that earthquake deductibles are usually higher than deductibles for most standard perils. An earthquake endorsement added to your homeowners coverage will cost you an additional $115 per year in Wyoming.

Have a look at the best options for earthquake coverage in Wyoming listed below. Please note that these figures are merely estimates. Rates specific to your property can be found by consulting the listed companies.


InsurerAverage Yearly Earthquake Insurance Rate
Liberty Mutual$691
State Farm$1,112



*Source: United States Geological Survey


Home insurance and fires in Wyoming

Fire coverage is standard on every home insurance policy in Wyoming. If your home were damaged or destroyed by fire, your insurance company would cover the damage to your property — within your policy limits. The prevalence of wildfires in Wyoming reinforces the importance of maintaining homeowners insurance: 14% of homes in the state are in danger of being damaged by a wildfire. In fact, 279, 243 of the state's acres fell victim to fires in the state in 2018.*

In addition to covering damages — up to your coverage limits — your home insurance would cover additional living expenses if your home is deemed unlivable. Fire-related damages not covered by your home insurance provider is intentional damage (arson) or damage to a vacant home. Double-check to confirm your insurance policy covers wildfire damage.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-wildfires)


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Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.