Best and Cheapest Homeowners Insurance in Wyoming for 2025 (Top 10 Low-Cost Companies)

Geico offers the best and cheapest homeowners insurance in Wyoming, with rates starting at $70 monthly, followed by American Family and USAA, providing specialized military coverage.

Wyoming homeowners face unique challenges, such as flood risks and remote locations, that affect their insurance needs. Companies handle these differently, some have many local agents in cities, while others focus on digital tools and fast emergency response for rural areas.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$70	A++	Budget Friendly	Geico
	#2	$75	A	Flexible Policies	American Family
	#3	$78	A++	Military Focus	USAA
	#4	$80	A++	Competitive Rates	Travelers
	#5	$82	A+	Strong Reputation	Allstate
	#6	$85	A+	Comprehensive Coverage	Nationwide
	#7	$87	A	Personal Service	Farmers
	#8	$90	A	Extensive Discounts	Liberty Mutual
	#9	$95	B	Customer Satisfaction	State Farm
	#10	$100	A+	Customizable Options	Progressive

Insurance costs vary greatly based on where you live and what coverage you need. The best place to start when you want affordable home insurance as homeowners insurance rate increases by state, is to enter your ZIP code into our free comparison tool.

What You Should Know

• Geico leads the best and cheapest homeowners insurance in the Wyoming market, with rates starting at $70 monthly
• American Family offers identity theft monitoring, and USAA provides specialized military coverage
• Get cheap homeowners insurance in Wyoming through smart home security discounts

#1 – Geico: Top Overall Pick

Pros

• Lowest Premium: Homeowners can secure comprehensive protection across Wyoming's diverse regions with monthly rates starting at $70.
• Multiple Discounts: New smart home security system installations help residents save up to 18% in Wyoming's major cities.
• Fast Processing: The advanced mobile app processes property damage claims within 24 hours for homeowners throughout Wyoming communities.

Cons

• Limited Coverage: Basic policy packages for properties in Wyoming exclude essential coverage for natural disasters and earthquakes.
• Digital Focus: Local in-person assistance remains unavailable in rural Wyoming regions, with support limited to digital channels.

#2 – American Family: Best for Flexible Policies

Pros

• Policy Customization: According to our review of American Family insurance, their flexible coverage options allow families in Wyoming to adjust protection levels every quarter without penalties.
• Strong Protection: Identity theft monitoring and $75 monthly premiums provide extensive security for Wyoming homeowners seeking value.
• Claims Support: Dedicated local insurance adjusters across Wyoming territory respond to property damage within 48 business hours.

Cons

• No Flood Coverage: High-risk flood zones throughout Wyoming require separate insurance policies beyond the standard coverage package.
• Regional Limitations: Residents in Wyoming's remote mountain communities face restricted access to local insurance agency support.

#3 – USAA: Best for Military Focus

Pros

• Military Benefits: Our USAA car insurance review explains why active service members stationed in Wyoming receive exclusive coverage options starting at $78 monthly rates.
• Comprehensive Package: The enhanced policy includes specialized protection for military equipment stored in Wyoming residential properties.
• High Ratings: Financial stability ensures rapid claim settlements for military families relocating to Wyoming bases and communities.

Cons

• Membership Restricted: The specialized $78 monthly coverage remains unavailable to non-military Wyoming residents seeking affordable rates.
• No Earthquake Coverage: Properties near Wyoming's seismic zones lack protection in standard military family insurance packages.

#4 – Travelers: Best for Competitive Rates

Pros

• Affordable Plans: Explore our Travelers car insurance review to learn how their comprehensive $300,000 coverage protects modern and historic homes across Wyoming territories for $100 monthly.
• Green Coverage: Sustainable home improvements in Wyoming properties qualify for additional protection and premium discounts.
• Flexible Payments: Homeowners across Wyoming's diverse communities can customize payment schedules without incurring additional fees.

Cons

• Limited Add-ons: Specialized coverage options for luxury homes in Wyoming's affluent neighborhoods remain restricted under basic plans.
• Coverage Gaps: Standard policies exclude essential natural disaster protection for properties in Wyoming's high-risk geological areas.

#5 – Allstate: Best for Strong Reputation

Pros

• Established Network: Learn more in our Allstate insurance review about their extensive network of local agencies providing personalized service to Wyoming homeowners through 150 locations across the state.
• Complete Protection: Properties throughout Wyoming receive comprehensive natural disaster coverage with $82 monthly premium packages.
• Digital Tools: Advanced claim tracking systems monitor property damage assessments across Wyoming's diverse geographical regions.

Cons

• Higher Rates: Monthly premiums for luxury properties in Wyoming's developing communities exceed competitor rates by 15%.
• No Identity Protection: Homeowners must purchase separate identity protection when insuring multiple properties throughout Wyoming territories.

#6 – Nationwide: Best for Comprehensive Coverage

Pros

• Full Coverage: As detailed in our Nationwide insurance review, their standard policies protect against water and flood damage throughout Wyoming's high-risk environmental zones.
• Extensive Network: Dedicated insurance assessors across Wyoming's 23 counties respond to claims within 36 business hours.
• Premium Value: The $85 monthly rate includes comprehensive coverage for Wyoming homeowners in both urban and rural areas.

Cons

• Service Areas: Remote mountain properties in Wyoming face limited access to immediate claim assessment services.
• Rate Increases: Annual premium adjustments for properties in Wyoming's developing regions often exceed state averages.

#7 – Farmers: Best for Personal Service

Pros

• Dedicated Agents: Our Farmers car insurance review highlights how their local representatives provide personalized insurance consultations across Wyoming's diverse residential communities.
• Custom Plans: Homeowners throughout Wyoming can modify coverage levels quarterly without affecting their $87 monthly rates.
• Claims Process: Professional adjusters inspect property damage in Wyoming locations within 72 hours of claim submission.

Cons

• Coverage Limitations: Standard policies exclude water damage protection for residential properties across Wyoming's flood-prone areas.
• Price Structure: Monthly premiums increase significantly for historic homes in Wyoming's preservation districts and zones.

#8 – Liberty Mutual: Best for Extensive Discounts

Pros

• Discount Options: Discover in our insurance review of Liberty Mutual how new homeowners across Wyoming qualify for multiple savings programs, reducing the $90 monthly premium.
• Bundled Savings: Combining auto and home insurance provides Wyoming residents with the state's highest discount rate.
• Protection Plans: Comprehensive coverage includes all major natural disasters affecting Wyoming's diverse geographical regions.

Cons

• Base Rates: Initial monthly premiums for Wyoming properties start higher than those of competitors before discount applications.
• Service Delays: Claim processing times in Wyoming's remote communities often extend beyond industry standard timeframes.

#9 – State Farm: Best for Customer Satisfaction

Pros

• Service Quality: Our State Farm car insurance review reveals why local agents consistently receive top satisfaction ratings from homeowners across Wyoming's residential communities.
• Claim Support: Professional adjusters provide 24/7 emergency response services throughout Wyoming's diverse weather conditions.
• Coverage Options: Properties in Wyoming's historic districts receive specialized protection under the $95 monthly premium.

Cons

• Premium Costs: Monthly rates for standard coverage in Wyoming exceed competitor offerings by approximately 20%.
• Policy Restrictions: Homes in Wyoming's developing neighborhoods face stricter qualification requirements for comprehensive coverage.

#10 – Progressive: Best for Customizable Options

Pros

• Flexible Policies: Based on our Progressive insurance review, homeowners can tailor coverage levels for properties across Wyoming's varied environmental zones.
• Modern Tools: Advanced digital platforms provide instant policy modifications for Wyoming residents seeking coverage changes.
• Coverage Range: The $100 monthly premium protects against all major perils affecting Wyoming's residential properties.

Cons

• High Premiums: Base rates for Wyoming homeowners start significantly higher than most competing insurance providers.
• Limited Offices: Physical service locations remain restricted to major Wyoming cities, limiting rural community access.

Home Insurance Costs in Wyoming

Based on recent data for Wyoming homeowners insurance rates, the average premiums vary significantly for different property values. For a $300,000 home constructed in 2020, with coverage limits of $150,000 for personal property riders, $30,000 for loss of use, $30,000 for other structures, $300,000 for liability, and $5,000 for medical payments, homeowners can expect monthly premiums ranging from $90 to $130.

Insurance Company	$200k Policy	$300k Policy	$500k Policy
	$82	$105	$150
	$75	$98	$140
	$87	$115	$160
	$70	$90	$130
	$90	$120	$180
	$85	$110	$170
	$100	$130	$200
	$95	$125	$190
	$80	$100	$160
	$78	$110	$155

These rates are based on policies with a $1,000 deductible, assuming the homeowner has a good insurance score. The coverage packages typically include protection against common perils such as fire, theft, and weather-related damage.

However, actual rates for individual properties throughout Wyoming may vary based on location, construction materials, safety features, and local risk factors.

Available Homeowners Insurance Coverage in Wyoming

The best homeowners insurance Wyoming companies offer different coverage types to address the state’s risks, from water damage to earthquakes. Below, we summarize what’s included in each coverage option from top providers.

Insurance Company	Water Backup	Flood Coverage	Earthquake Coverage	Personal Property Replacement Cost	Identity Theft Protection
	✅	✅	✅	✅	❌
	✅	❌	✅	✅	✅
	❌	❌	✅	✅	✅
	✅	❌	❌	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	❌	✅	✅
	❌	❌	✅	✅	✅
	✅	✅	✅	✅	✅
	❌	❌	❌	✅	✅
	✅	✅	❌	✅	✅

Review your property’s location and risks when comparing home insurance quotes in Wyoming. Additional coverage like flood insurance or earthquake will initially add to your Wyoming house insurance cost but can save you big time on repairs later.

Remember, the average cost of homeowners insurance in Wyoming will vary based on your coverage options and where you live in the state.

Save on Your Homeowners Insurance in Wyoming

Get big savings on your homeowners insurance through many discounts from these top providers. State Farm has the most bundling discounts at 20%, and Farmers has the highest claim-free discount at 25%. You can get the most savings through home security systems when looking for cheap homeowners insurance in Wyoming.

Insurance Company	Bundling	Claim-Free	Home Security	New Home	Loyalty
	15%	20%	10%	5%	8%
	10%	22%	12%	6%	10%
	12%	25%	14%	8%	7%
	18%	15%	8%	4%	12%
	14%	20%	9%	5%	6%
	11%	18%	10%	7%	9%
	16%	21%	11%	9%	10%
	20%	24%	15%	6%	12%
	13%	16%	7%	4%	8%
	10%	23%	12%	5%	11%

State Farm gives up to 15% off for monitored security devices. Wyoming house insurance rates can be cut in half through home insurance in Wyoming bundles. Geico gives an 18% discount when you bundle policies. Beyond the normal discounts, Wyoming homeowners can save by choosing a higher insurance deductible or installing impact-resistant roofing materials that get extra premium discounts from American Family.

Finding Home Insurance in Wyoming

Geico, American Family, and USAA are the best and cheapest homeowners insurance in Wyoming. Geico has a $70 monthly premium and an 18% bundling discount. American Family has identity theft monitoring with a 22% claim-free discount.

USAA has specialized military coverage with a 23% safe home discount. Wyoming homeowners can save big by comparing quotes from multiple companies since rates vary based on location and coverage.

When you bundle, you don't have to pick 😉 #NFLDraft pic.twitter.com/LL0aBcY0Dm

— GEICO (@GEICO) April 27, 2023

Why pay more to protect your home when you can find the same coverage for less? Enter your ZIP code to compare the best homeowners insurance quotes with our free comparison tool

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