How to get affordable renters insurance in Wyoming
Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. A renters policy protects your items in the event of smoke or fire damage, a wind storm, theft or vandalism and a collection of other mishaps.
Unlike auto insurance, renters policies aren’t priced based on state-level laws. Still, there are often variations in the price of renters insurance by state. Policy prices in states may differ based on the number and value of renters policy claims filed in that state, and depend on the value of the belongings covered by the policy.
Getting a renters policy in Wyoming is less expensive than the national average. The average annual cost of renters insurance in Wyoming is $107, $77 less expensive than the national average.
The best way to find an affordable renters insurance policy in Wyoming is to compare rates from as many insurance companies as you can. Find out typical renters insurance rates in Wyoming by reviewing the below data. Your rates may vary, depending on your coverage details and the value of your belongings.
Jump to:
- Rates by company
- Rates by city
- Rates by coverage level
- Bundling discounts
- Frequently asked questions
Renters insurance prices in Wyoming by company
Prices for renters insurance in Wyoming will vary depending on which insurance company you use. Amco offers the most affordable renters policies in Wyoming — $97 per year. This beats the state average cost of $107, providing a 10% price cut on average policy costs statewide.
Start shopping for a renters policy by reviewing the cheapest Wyoming renters insurance carriers, detailed below.
AFFORDABLE RENTERS INSURANCE COMPANIES IN WYOMING
| Company | Average Yearly Rate in Wyoming |
| Amco | $97 |
| USAA | $100 |
| State Farm | $125 |
Wyoming renters insurance costs by city
Not all Wyoming cities have equal renters insurance rates. Pricing depends on local variables such as the number of claims filed in the immediate area, meaning your ZIP code could have a major impact on how much you pay.
The cheapest renters insurance rates in Wyoming are available in Douglas. In Douglas, the typical renters insurance policy costs $106 per year — $1 less than the state average. The below cities have the most affordable renters insurance in Wyoming.
CHEAPEST CITIES FOR RENTERS INSURANCE IN WYOMING
| City | Average 12-Month Renters Insurance Rate |
| Douglas | $106 |
| Newcastle | $106 |
| Laramie | $107 |
| Green River | $107 |
| Evanston | $107 |
Renters insurance in WY by coverage tier
The cost of your renters insurance policy will be influenced by the amount of coverage you opt to carry. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Wyoming, the annual cost difference between these tiers is approximately $20. If you can afford the up-front expense, purchasing more coverage might not be a bad idea.
| Coverage Level | Average Annual Renters Insurance Rate in Wyoming |
| $25K Property | $97 |
| $50K Property | $117 |
Tip: bundle auto and renters insurance in Wyoming
If you're looking for savings, consider purchasing both your car and renters insurance policies from one company. A renters and car insurance bundle in Wyoming can lead to substantial savings on your auto insurance policy. Bundling policies in Wyoming may generate average annual savings of $62.
CAR AND RENTERS BUNDLING DISCOUNTS IN TEXAS
| Avg. Annual Rate (No Bundle) | Avg. Annual Rate (w/ Bundle) | Annual Savings ($) | Annual Savings (%) |
| $1,375 | $1,312 | $62 | 5% |
Wyoming renters insurance FAQs
Is renters insurance required in Wyoming?
While Wyoming doesn't require renters insurance, many landlords do. Renters insurance provides liability coverage against damages to property and in the case of bodily injury. It also covers your personal belongings in the event of a covered peril (cause of loss).
What does Wyoming renters insurance cover?
In Wyoming, renters insurance will cover your personal belongings in the event they are destroyed, lost, stolen, or damaged. Common perils that are covered are, among others, fire, wind, and explosions. Most policies also include medical payments to others, temporary housing coverage, and liability coverage as well. Each company has different coverage options and limits.
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 editorial 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.