Skip to content

The Best Home Insurance in Wyoming for 2025

Chubb and USAA are among the best home insurance companies in Wyoming.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Oct 17, 2025
Fact Checked
Profile photo of Sarah Schlichter
Written by
Senior Writer & Content Strategist
Profile photo of Caitlin Constantine
Edited by
Editor & Content Strategist
+ 1 more
Profile photo of Sarah Schlichter
Written by
Senior Writer & Content Strategist
+ 2 more

Key takeaways

  • Chubb and USAA received the highest ratings in our analysis of home insurers in Wyoming.

  • State Farm is the best cheap insurer in Wyoming, with a star rating of 4.7 and an average annual premium of $1,750.

Chubb and USAA are among the best home insurance companies in Wyoming, according to our analysis.

To help you find the best home insurance in Wyoming, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Company

NerdWallet star rating

Average annual rate

Chubb

Not available

Amica

Not available

Cincinnati Insurance

Not available

State Farm

$1,750

Allstate

$2,890

USAA*

$1,505

*USAA homeowners policies are available only to active military, veterans and their families.

House and clouds

Get home insurance quotes in minutes

Answer a few questions to see custom quotes and find the right policy for you.

The best home insurance companies in Wyoming

Below are more details about the best homeowners insurance companies in Wyoming.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb Home Insurance

Chubb

Perks and comprehensive coverage for high-value homes.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

Chubb caters to well-to-do homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home, in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders in Wyoming are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

Amica Home Insurance

Amica

Well-established insurer known for great customer service.
Coverage About average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

Amica shines when it comes to customer service. It earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction. Amica also draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

Cincinnati Home Insurance

Cincinnati Insurance

Sells homeowners policies through local independent agents across the U.S.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

State Farm Homeowners Insurance

State Farm

Well-established insurer with local agents and a long list of coverage options.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Close to expected

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

Allstate Homeowners Insurance

Allstate

Widely available across the U.S. with lots of discounts and coverage options.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Close to expected

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

USAA Home Insurance

USAA

Offers perks and generous coverage for the military community.
Coverage More than average
Discounts Average set of discounts
NAIC complaints Fewer than expected

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

How much does homeowners insurance cost in Wyoming?

The average annual cost of home insurance in Wyoming is $1,555. That’s 26% less than the national average of $2,110.

In most U.S. states, including Wyoming, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Wyoming, those with poor credit pay an average of $2,895 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 86% more than those with good credit.

Average cost of homeowners insurance in Wyoming by city

How much you pay for homeowners insurance in Wyoming depends on where you live. For instance, the average cost of home insurance in Cheyenne is $2,305 per year, while homeowners in Casper pay $1,950 per year, on average.

City

Average annual rate

Average monthly rate

Afton

$1,195

$100

Buffalo

$1,835

$153

Casper

$1,950

$163

Cheyenne

$2,305

$192

Cody

$1,220

$102

Douglas

$1,660

$138

Evanston

$1,215

$101

Evansville

$1,950

$163

Gillette

$1,905

$159

Glenrock

$1,660

$138

Green River

$1,205

$100

Jackson

$1,255

$105

Lander

$1,255

$105

Laramie

$1,360

$113

Newcastle

$1,650

$138

Pinedale

$1,165

$97

Powell

$1,220

$102

Rawlins

$1,350

$113

Riverton

$1,255

$105

Rock Springs

$1,205

$100

Sheridan

$1,415

$118

Thermopolis

$1,375

$115

Torrington

$1,860

$155

Wheatland

$2,095

$175

Worland

$1,815

$151

The cheapest home insurance in Wyoming

Here are the insurers we found with average annual rates below the Wyoming average of $1,555.

Company

NerdWallet star rating

Average annual rate

Nationwide

$1,365

USAA*

$1,505

*USAA homeowners policies are available only to active military, veterans and their families.

Common risks for Wyoming homeowners

Here are a few of the most common risks you may face as a Wyoming homeowner, along with steps you can take to insure your home against them.

Wildfire

Homeowners insurance generally covers damage caused by fire, but read your policy closely in case you have exclusions. Pay particular attention to the dwelling coverage limit, which is how much the insurance company will pay to rebuild your house. Check with your insurer to make sure you have enough coverage to rebuild if necessary.

Winter weather

Homeowners insurance generally covers damage caused by winter storms, but you may need extra coverage for some types of situations. For instance, you’ll typically need separate flood insurance to cover water damage caused by snowmelt.

Hailstorms

Standard home insurance usually covers hail damage, but you may have a separate hail deductible. These are often either a flat rate, such as $500, or a percentage of your dwelling coverage limit, often between 1% and 5%. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for hail or wind claims. So, if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of hail damage yourself.

Flooding

Most home insurance doesn't cover flood damage. If you’re concerned about flooding, consider buying separate flood insurance. You can get this coverage at any time, but be aware there’s often a 30-day waiting period before it takes effect.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

Earthquakes

Homeowners insurance policies don't cover structural damage caused by earthquakes. For that, you’ll need earthquake insurance.

Earthquake insurance often has a separate deductible, which can be between 10% and 20% of your dwelling coverage limit. If you have a 10% deductible on $200,000 of coverage, you’d need to pay $20,000 to repair earthquake damage before your insurance covers anything.

House and clouds

Get home insurance quotes in minutes

Answer a few questions to see custom quotes and find the right policy for you.

Wyoming insurance department

The Wyoming Department of Insurance oversees the state’s insurance industry, including licensing insurers and providing consumer information. You can file a complaint about your insurer on the department's website. For help, call the department at 800-438-5768.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

  • More than 270 million homeowners insurance rates.

  • More than 100 insurance companies.

  • Nearly 200 homeowner profiles.

View our complete homeowners insurance rating methodology.

Frequently asked questions

Homeowners insurance isn't legally required in Wyoming. However, your lender may require you to buy it. For more information, read Is Homeowners Insurance Required?

There are several ways to save money on homeowners insurance in Wyoming.

  • Shop around to make sure you’re getting the best rate.

  • Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.

  • Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.

  • Ask your insurer if you qualify for any home insurance discounts.


Star rating methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.

Here’s how we weighted each category to come up with our list of the best home insurance companies:

  • Consumer experience (40%).

  • Financial strength (30%).

  • Coverage (25%).

  • Discounts (5%).

Read our full home insurance ratings methodology for more details.

Homeowners insurance rates methodology

NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Complaint methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.