See Wyoming home insurance cost (premiums) by home values, deductibles, across the state and major cities. The data is from MFP’s Community Home Insurance Survey where Wyoming homeowners share cost and recommendations on home insurers, agents, and brokers.
Shopping for home insurance is not always simple and we gathered this data to help your choice.
Updated: June 12, 2026
<< Human Powered Recommendations from Wyoming’s Own Homeowners >>
- Wyoming Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in Wyoming
- Best Home Insurance Discounts in Wyoming
- How to Find the Best Cheap Home Insurance in Wyoming
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in Wyoming?
- Extra Coverage Options in Wyoming
- FAQ: Home Insurance in Wyoming
Wyoming Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Wyoming are Amica, and USAA and both State Farm and Nationwide (both in 3rd position).
| Insurer | Coverage | Customer Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|
| State Farm | 4 | 4 | 4 | 4 | 85% |
| Amica | 5 | 5 | 3 | 3 | 90% |
| USAA | 4 | 5 | 4 | 5 | 95% |
| Allstate | 3 | 3 | 4 | 2 | 75% |
| Liberty Mutual | 3 | 3 | 5 | 3 | 70% |
| Nationwide | 3 | 3 | 3 | 4 | 80% |
| Chubb | 5 | 5 | 2 | 1 | 85% |
| Foremost Insurance | 4 | 3 | 3 | 3 | 75% |
| AMCO Insurance | 3 | 3 | 3 | 5 | 70% |
| Travelers | 3 | 3 | 3 | 3 | 75% |
Wyoming average home insurance for a $1,000 deductible:
- Wyoming average premiums for a $300K home is $1,114 (while it's $1,636 nationally).
- Wyoming average premiums for a $400K home is $1,384. It's $2,179 nationally.
- Wyoming average premiums for a $600K home is $2,064 (and it's $3,032 nationally).
Best Insurance in Wyoming Cities
Cheyenne, Casper, Gillette, Laramie, Rock Springs, Green River, Evanston
Recommendations are gathered from 2,374 local Wyoming members who requested a quote(s), filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Wyoming Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Wyoming Best Mortgage Lenders from Community Recommendations
Wyoming Best Refinance Lenders from Community Recommendations
More Resources for Wyoming Homeowners.
Cheyenne Home Insurance Cost
Compare Cheyenne 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Cheyenne for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,239.
Cheyenne's $600K home insurance cost is 1.9% higher than the Wyoming average of $2,253. The average annual cost for a $600K home with a $500 deductible is $2,297 in Cheyenne.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $679 | $629 | $591 | $566 | $471 |
| $200K Home | $904 | $837 | $787 | $753 | $628 |
| $300K Home | $1,239 | $1,147 | $1,078 | $1,032 | $860 |
| $400K Home | $1,538 | $1,424 | $1,339 | $1,282 | $1,068 |
| $600K Home | $2,297 | $2,127 | $2,000 | $1,915 | $1,595 |
Cheyenne Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Cheyenne’s area are State Farm, Nationwide, and Allstate.
- State Farm (88%): Homeowners praise the personalized service from local agents and competitive rates.
- Nationwide (85%): Members highlight the affordability and smart home program discounts.
- Allstate (82%): Users appreciate the extensive coverage options and local agent availability.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 88% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4.5 | 85% |
| Allstate | Agents | 4.5 | 4 | 4 | 3.5 | 82% |
| Amica | Insurer | 5 | 5 | 4.5 | 4 | 80% |
| USAA | Insurer | 4.5 | 5 | 4.5 | 4.5 | 78% |
| Farmers | Agents | 4 | 4 | 4 | 3.5 | 75% |
| Liberty Mutual | Agents | 4 | 3.5 | 4.5 | 4 | 74% |
| Travelers | Agents | 4 | 4 | 4 | 4 | 73% |
| American Family | Agents | 4 | 4 | 4 | 4 | 72% |
| Country Financial | Broker | 4.5 | 4.5 | 4 | 4 | 70% |
See also:
Cheyenne Best Refinance Lenders
Cheyenne Best Home Loan Lenders
Casper Home Insurance Cost
See Casper's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Casper, switching from a $500 to a $2,000 deductible on a $300K home saves 16.8% annually. The average $300K home costs $1,301 per year with a $500 deductible.
Casper homeowners pay 5.9% more than the Wyoming average of $2,253 for a $600K home. The average annual $600K premium with a $500 deductible is $2,386.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $720 | $666 | $625 | $599 | $498 |
| $200K Home | $1,010 | $935 | $878 | $840 | $701 |
| $300K Home | $1,301 | $1,204 | $1,130 | $1,082 | $902 |
| $400K Home | $1,627 | $1,506 | $1,413 | $1,354 | $1,127 |
| $600K Home | $2,386 | $2,208 | $2,072 | $1,984 | $1,654 |
Casper Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Casper’s area are State Farm, Nationwide, and Amica.
- State Farm (87%): Homeowners value the local agent network and roofing discounts.
- Nationwide (84%): Members appreciate the smart home device program and affordable rates.
- Amica (81%): Users report excellent customer service and low complaint ratios.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 87% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4.5 | 84% |
| Amica | Insurer | 5 | 5 | 4.5 | 4 | 81% |
| USAA | Insurer | 4.5 | 5 | 4.5 | 4.5 | 79% |
| Allstate | Agents | 4.5 | 4 | 4 | 3.5 | 77% |
See also:
Gillette Home Insurance Cost
Gillette 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 16.8% for a $300K home in Gillette. At a $500 deductible, the average annual cost is $1,365.
Compared to the Wyoming average of $2,253 for a $600K home, Gillette runs 12.1% above at $2,526 annually with a $500 deductible.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $751 | $695 | $652 | $624 | $520 |
| $200K Home | $1,003 | $927 | $871 | $833 | $696 |
| $300K Home | $1,365 | $1,262 | $1,185 | $1,135 | $947 |
| $400K Home | $1,692 | $1,565 | $1,469 | $1,407 | $1,174 |
| $600K Home | $2,526 | $2,335 | $2,192 | $2,099 | $1,752 |
Gilette Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Gillette’s area are State Farm, Nationwide, and Allstate.
- State Farm (86%): Homeowners appreciate the local agent expertise and inflation protection coverage.
- Nationwide (83%): Members highlight the bundling discounts and claims process.
- Allstate (80%): Users value the home-sharing coverage options and agent availability.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 86% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4.5 | 83% |
| Allstate | Agents | 4.5 | 4 | 4 | 3.5 | 80% |
| Amica | Insurer | 5 | 5 | 4.5 | 4 | 78% |
| USAA | Insurer | 4.5 | 5 | 4.5 | 4.5 | 76% |
See also:
Gillette Best Refinance Lenders
Gillette Best Home Loan Lenders
Laramie Home Insurance Cost
Compare Laramie 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Laramie for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,177.
Laramie's $600K home insurance cost is 2.8% lower than the Wyoming average of $2,253. The average annual cost for a $600K home with a $500 deductible is $2,191 in Laramie.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $645 | $598 | $561 | $538 | $447 |
| $200K Home | $860 | $796 | $748 | $716 | $596 |
| $300K Home | $1,177 | $1,090 | $1,023 | $980 | $817 |
| $400K Home | $1,459 | $1,350 | $1,267 | $1,215 | $1,012 |
| $600K Home | $2,191 | $2,028 | $1,904 | $1,824 | $1,519 |
Laramie Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Laramie’s area are Laramie Investment Company, State Farm, and Nationwide.
- Laramie Investment Company (89%): Homeowners praise the independent agency’s wide carrier selection and expert advice.
- State Farm (85%): Members value the local agent network and standard coverage options.
- Nationwide (82%): Users appreciate the smart home program and competitive pricing.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Laramie Investment Company | Broker | 4.5 | 5 | 4.5 | 4 | 89% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 85% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4.5 | 82% |
| Amica | Insurer | 5 | 5 | 4.5 | 4 | 80% |
| Allstate | Agents | 4.5 | 4 | 4 | 3.5 | 77% |
See also:
Laramie Best Refinance Lenders
Laramie Best Home Loan Lenders
Rock Springs Home Insurance Cost
See Rock Springs's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Rock Springs, switching from a $500 to a $2,000 deductible on a $300K home saves 17.4% annually. The average $300K home costs $1,149 per year with a $500 deductible.
Rock Springs homeowners pay 5.3% less than the Wyoming average of $2,253 for a $600K home. The average annual $600K premium with a $500 deductible is $2,134.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $630 | $578 | $542 | $519 | $433 |
| $200K Home | $840 | $772 | $724 | $693 | $578 |
| $300K Home | $1,149 | $1,055 | $991 | $949 | $790 |
| $400K Home | $1,427 | $1,310 | $1,229 | $1,177 | $981 |
| $600K Home | $2,134 | $1,959 | $1,839 | $1,761 | $1,467 |
Rock Springs Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Rock Springs’ area are State Farm, Nationwide, and Allstate.
- State Farm (87%): Homeowners appreciate the local agent expertise and claims handling.
- Nationwide (84%): Members highlight the affordable rates and bundling options.
- Allstate (81%): Users value the identity theft protection and water backup coverage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 87% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4.5 | 84% |
| Allstate | Agents | 4.5 | 4 | 4 | 3.5 | 81% |
| Amica | Insurer | 5 | 5 | 4.5 | 4 | 79% |
| USAA | Insurer | 4.5 | 5 | 4.5 | 4.5 | 77% |
See also:
Rock Springs Best Refinance Lenders
Rock Springs Best Home Loan Lenders
Green River Home Insurance Cost
Green River 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 19.0% for a $300K home in Green River. At a $500 deductible, the average annual cost is $1,145.
Compared to the Wyoming average of $2,253 for a $600K home, Green River runs 5.2% below at $2,137 annually with a $500 deductible.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $630 | $567 | $533 | $510 | $425 |
| $200K Home | $837 | $755 | $709 | $679 | $567 |
| $300K Home | $1,145 | $1,032 | $970 | $928 | $775 |
| $400K Home | $1,421 | $1,282 | $1,203 | $1,152 | $961 |
| $600K Home | $2,137 | $1,926 | $1,809 | $1,732 | $1,445 |
Green River Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Green River’s area are Green River Insurance, State Farm, and Nationwide.
- Green River Insurance (88%): Homeowners praise the community-focused service and range of coverage options.
- State Farm (85%): Members value the local agent availability and standard policy features.
- Nationwide (82%): Users appreciate the smart home device program and competitive pricing.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Green River Insurance | Broker | 4.5 | 5 | 4.5 | 4 | 88% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 85% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4.5 | 82% |
| Allstate | Agents | 4.5 | 4 | 4 | 3.5 | 80% |
| Amica | Insurer | 5 | 5 | 4.5 | 4 | 78% |
See also:
Green River Best Refinance Lenders
Green River Best Home Loan Lenders
Evanston Home Insurance Cost
Compare Evanston 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.1% in Evanston for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,137.
Evanston's $600K home insurance cost is 6.8% lower than the Wyoming average of $2,253. The average annual cost for a $600K home with a $500 deductible is $2,101 in Evanston.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $624 | $554 | $520 | $498 | $416 |
| $200K Home | $834 | $740 | $696 | $666 | $556 |
| $300K Home | $1,137 | $1,009 | $948 | $908 | $758 |
| $400K Home | $1,409 | $1,250 | $1,174 | $1,125 | $940 |
| $600K Home | $2,101 | $1,867 | $1,753 | $1,679 | $1,402 |
Evanston Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Evanston’s area are State Farm, Nationwide, and Allstate.
- State Farm (86%): Homeowners appreciate the local agent network and claims handling.
- Nationwide (83%): Members highlight the affordable rates and bundling discounts.
- Allstate (80%): Users value the home-sharing coverage and identity theft protection.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 86% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4.5 | 83% |
| Allstate | Agents | 4.5 | 4 | 4 | 3.5 | 80% |
| Amica | Insurer | 5 | 5 | 4.5 | 4 | 78% |
| USAA | Insurer | 4.5 | 5 | 4.5 | 4.5 | 76% |
See also:
Evanston Best Refinance Lenders
Evanston Best Home Loan Lenders
Main Home Insurance Cost Factors in Wyoming
Weather and Climate Risks in Wyoming
Wyoming homeowners face specific weather‑related cost drivers. Increasing hail frequency and severity—especially in Cheyenne, Casper and Jackson Hole—means insurers raise premiums in high hail‑risk zones. Winter storms, wind damage and occasional wildfires in western and north‐west parts also elevate rates. Flood risk in river valleys like the Snake River Basin may require separate flood insurance riders.
Home Construction, Material and Replacement Cost
Insurers in Wyoming consider construction materials and home replacement cost closely: wood‑framed homes cost more to insure than masonry or concrete homes. Roof type and age matter greatly: older composition or wooden roofs attract surcharge. Homes built to modern local codes (e.g. recent builds) cost less to insure than older, non‑code‐compliant structures. Replacement cost estimates reflecting rising construction cost in Wyoming counties also push premiums higher, especially in rural areas where labor/material costs can be elevated.
Home Age and Condition
Younger homes built within modern building standards generally cost less to insure than older ones. In Wyoming, older homes often need updates for wiring, plumbing or roofing—factors insurers penalize.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15 % to 25 % less |
| 6–10 years | 15 % to 5 % less |
| 11–20 years | 0 % |
| 21–30 years | 10 % to 20 % more |
| 31–40 years | 25 % to 40 % more |
| 41–60 years | 45 % to 65 % more |
| 60+ years | 70 % to 100 % more |
In Wyoming, this scale is amplified in places like Cheyenne and Casper where older homes may lack modern insulation or fire‑resistant roofing. In Jackson or ski‑area zones, even slightly older homes may see steeper surcharges due to higher rebuild costs and regional labor rates.
Your Credit Score or Insurance Score
Most Wyoming insurers use a credit‑based insurance score to price premiums—especially given the correlation between credit risk and claim propensity nationally.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0 % |
| Good | 20 % more |
| Average | 40 % more |
| Poor | 100 % to 170 % more |
For example, Wyoming residents with poor credit pay around 86 % more than good‑credit peers (e.g. ~$2,895/year vs ~$1,550 average) while excellent score holders may pay average premiums (~$1,555) .
Location Within Wyoming
Location influences rates: urban areas like Cheyenne average $2,305/year, while rural or small towns like Cody (~$1,220), Jackson (~$1,255) and Green River (~$1,205) see lower rates. ZIP‑code crime rates, proximity to fire services, regional weather risk—such as hail or flood exposure—and even elevation can shape insurer risk assessments :contentReference[oaicite:1]{index=1}.
Claims History and Loss Record
Previous claims over the past 5–7 years raise premiums significantly—frequent vegetable damage, theft or water claims in Wyoming will increase rates or reduce available insurers.
Wyoming Home Insurance Discounts
Typical discounts available in Wyoming:
- Bundling home and auto policies with the same insurer.
- Claim‑free or loyalty discounts after multiple years with no claims.
- Protective device discounts—monitored alarms, smoke or leak detectors, fire sprinklers.
- New home discount—for newly built or recently renovated properties.
- Paid‑in‑full or paperless billing discounts.
How to Find Cheap Home Insurance in WY
Homeowners should compare quotes across providers—take into account coverage limits, deductibles, credit and location risk factors. Focus on providers with strong financial ratings, especially if your home is in hail‑prone zones. Be wary: the cheapest policy may cut corners on coverage limits, replacement cost options or claims service—lower cost isn’t always better if it leaves you under-insured.
6 Ways to Reduce Home Insurance Cost in WY
- Improve your insurance score: pay bills on time, reduce credit inquiries.
- Install protective devices: alarms, fire sprinklers, leak sensors.
- Increase your deductible: higher deductible means lower premium.
- Update roofing and electrical/plumbing systems to modern standards.
- Bundle policies with same insurer (auto, umbrella).
- Maintain a clean claims record by paying minor repairs to avoid claims.
What Home Insurance Cover in Wyoming?
Standard home insurance in Wyoming covers:
- Structural damage to dwelling from fire, wind, hail, lightning, theft.
- Other structures on property (e.g. garage, shed).
- Personal property of owner (up to specified limits).
- Liability protection if someone is injured on your property.
- Loss of use coverage to support living expenses if your home is uninhabitable.
Is Extra Home Coverage Needed in Wyoming?
Optional coverages include:
- Flood insurance: essential in flood‑prone zones like valleys and river basins.
- Earthquake or landslide riders: relevant in seismic or erodible terrain.
- Extended replacement cost: adds margin above dwelling limits—useful in high rebuild‑cost zones like Jackson.
- Water backup coverage: for sewer or sump pump failures.
- Wildfire coverage enhancements: in forest‑fringe areas prone to fire.
These make sense if your property lies in identified flood, seismic or fire risk areas, or if the cost of rebuilding is high relative to standard policy limits.
FAQ: Wyoming Home Insurance
How much is average home insurance in Wyoming?
Average annual cost is around $1,555—for moderate coverage levels—though varies by city (e.g. Cheyenne ~$2,305; Casper ~$1,950).
Does Wyoming require flood insurance?
No, flood insurance is not included in standard policies—you must purchase it separately if you are in flood‑prone areas.
Can poor credit really double my premium?
Yes—even up to 100 %–170 % more in Wyoming, depending on your insurance‑based credit score tier.
Will a hail‑prone ZIP code affect my rate?
Yes. ZIP codes with frequent or severe hail events—like parts of Cheyenne and Casper—lead insurers to increase rates.
What if I renovate my older home?
Upgrading wiring, roofing or plumbing can significantly reduce premiums—especially if bringing older homes up to current local building codes.