Best and Cheapest Home Insurance Companies in Wyoming

Best and Cheapest Home Insurance Companies in Wyoming

The cheapest home insurance in Wyoming for most people is Nationwide, with standard coverage at an average $912 per year.

USAA has the cheapest home insurance overall in Wyoming at $672 per year, almost half the state average. However, it's only available to military service members and their families.

Wyoming home insurance costs an average of $1,265 per year, which is around one-fifth cheaper than the national average of $1,516.

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Cheapest homeowners insurance in Wyoming

USAA has the cheapest home insurance rates in Wyoming for $672 per year.

Nationwide also provides cheap coverage for around $912 per year, around 28% less than the Wyoming state average of $1,265.

Most affordable home insurance in Wyoming

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Company
Annual
USAA logo
USAA$672
Nationwide logo
Nationwide$912
State Farm logo
State Farm$1,166
Farmers logo
Farmers$1,749
Allstate logo
Allstate$1,826

Best Wyoming home insurance for most people: Nationwide

Nationwide has affordable home insurance policies for Wyoming homeowners, along with a wide range of coverage and good customer service.
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The good:

  • Cheap rates
  • Good online tools
  • Flood insurance available

The bad:

  • No unique discounts

Nationwide has the best homeowners insurance for most Wyoming homeowners, and some of the most affordable rates in the state.

At $912 per year, Nationwide is 28% cheaper than the state average. The company also has some standard discounts to further lower your rate, including discounts for bundling your home and auto insurance or remaining claim free. The overall selection of discounts, however, is limited.

Nationwide provides strong customer service, receiving around 35% fewer complaints than an average company its size. Part of its strong service also comes from convenient online tools, where you can file claims, pay bills or view policy info easily from the app or online.

The most notable feature of Nationwide home insurance is the extended amount of add-ons, including some that are harder to find, such as:

  • Better roof replacement
  • Replacement cost plus
  • Flood and earthquake insurance
  • Water backup protection

Best home insurance for farmers: State Farm

State Farm offers the best home insurance coverage for farms and ranches, along with affordable rates and strong customer service.
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The good:

  • Farm and ranch insurance available
  • Great customer service

The bad:

  • Limited discounts
  • Not the cheapest option

State Farm has the best home insurance for farmers and ranchers in Wyoming, offering the best farm and ranch policies that you can bundle with your home insurance.

State Farm's farm and ranch insurance covers your tools and equipment, including tractors, grain and livestock. You can also customize coverage to choose which structures and property that you would like to protect.

With home insurance policies averaging $1,166 per year, State Farm is around 10% cheaper than the state average. Unfortunately, State Farm offers only standard discounts to lower your rate, including bundling discounts and discounts for weather-proofing your roof.

State Farm does have great customer service ratings, and homeowners are generally happy with the service they receive from State Farm. You'll get access to an agent to give you personalized guidance to help you file claims or ask questions about your policies.

Best home insurance for military: USAA

USAA has the cheapest rates, excellent military-specific coverage and the best customer service in the state.
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The good:

  • Cheapest rates
  • Military-specific benefits
  • Best customer service

The bad:

  • Limited discounts
  • Only available to military members

USAA has the cheapest rates for home insurance in Wyoming, along with the best customer service in the state.

USAA's most notable military-specific benefits include uniform protection if you lose or damage your uniform or gear when on duty. You can also get replacement cost coverage, even if you are in a war zone.

At $672 per year, USAA's home insurance rates are almost half the state average. While discounts are limited, you can save for bundling your policies or remaining claim free, for example.

USAA also only received 14% of the customer complaints compared to similar-sized companies, showing that most customers are very happy with USAA's service.

The main drawback of USAA home insurance is that it is only available to military personnel or their families, so most people won't be eligible.

Wyoming home insurance rates by city

Green River city has the cheapest home insurance in Wyoming, $993 per year, around 20% cheaper than the state average. The most expensive city is Carpenter, with home insurance rates averaging $1,755 per year, almost 40% more expensive than Wyoming state average.

City
Average annual cost
Difference from state average
Afton$1,033-18%
Aladdin$1,51520%
Albin$1,66832%
Alcova$1,58225%
Alpine$1,033-18%
Show All Rows

The best Wyoming homeowners insurance companies

USAA has the best customer service in Wyoming, with low customer complaints numbers compared to other companies its size.

State Farm also has a low complaint rating from the National Association of Insurance Commissioners (NAIC), suggesting strong customer service, and an agent to guide homeowners through any claims.

Company
Rating
USAA
State Farm
Nationwide
Farmers
Allstate

The most common Wyoming home risks: wildfires, tornadoes and hail

Wyoming homeowners can often face damage to their homes and properties from wildfires, tornadoes and hail. To best protect your home, you should get very familiar with what your policy covers and choose a company you can trust.

Does homeowners insurance cover wildfire damage?

Unfortunately, wildfire damage is often never covered by your home insurance policy in wildfire-prone areas. If your home is in danger of damage from wildfires, you may want to consider getting a seperate wildfire insurance policy, as well as add-ons to your home insurance to cover the cost of living if you are required to evacuate.

Does homeowners insurance cover tornado damage?

Fortunately, wind damage is almost always covered by standard home insurance policies. This includes both direct and indirect damage to your home.

How much does insurance pay for hail damage?

Homeowners insurance often covers hail damage, but there can be limits on how much a company will cover, especially in states like Wyoming that often get damage from hail. Also, hail damage can be excluded from coverage if the damage to your home is only considered cosmetic.

Frequently asked questions

Who has the best homeowners insurance in Wyoming?

Nationwide has the best home insurance for most people in Wyoming, with cheap quotes, great coverage options and convenient online tools.

Who has the cheapest homeowners insurance in Wyoming?

USAA has the cheapest home insurance in Wyoming at $672 per year, which is almost half the state average cost of $1,265.

Who has the best farm insurance in Wyoming?

State Farm has the best farm and ranch insurance in Wyoming, offering protections for farms including liability coverage and coverage for farming tools and equipment.

Methodology

To find the best home insurance companies in the state, we compared quotes all across Wyoming to find the rate for a home built in 1973 and insured for $220,500, which is the median age and value of homes in Wyoming, according to the latest U.S. Census data.

Home insurer ratings are scored based on a combination of complaint data from the NAIC, the J.D. Power customer satisfaction survey and ValuePenguin's own editorial ratings.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.