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Amica and Chubb are among the best home insurance companies in Wyoming, according to our analysis.
We analyzed data from more than 30 insurance companies to help you find the best home insurance in Wyoming. Below are the insurers that earned 5 stars in our analysis.
Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
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.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
Not available | ||
USAA* | $1,505 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
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
Here's more information about the best homeowners insurance companies in Wyoming.
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
» READ MORE: Amica homeowners insurance review
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.
Wyoming homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.
» READ MORE: Chubb homeowners insurance review
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans and their families.
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
» READ MORE: USAA homeowners insurance review
Other home insurance companies to consider
Looking for more of the best homeowners insurance companies in Wyoming? These insurers received a NerdWallet star rating of 4.5:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,890 | ||
Not available | ||
Not available | ||
$1,365 | ||
$1,750 | ||
Not available |
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 |
|---|---|---|
$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 winter storm-related damage, but some types of scenarios may require extra coverage. For instance, you’ll typically need separate flood insurance to cover water damage caused by snowmelt.
Hailstorms
Standard home insurance policies usually cover 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, so homeowners in at-risk areas may need to buy separate flood insurance. Remember that while you can get this coverage at any time, 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.
» MORE: Do you need flood insurance?
Earthquakes
Standard homeowners insurance policies don't cover structural damage caused by earthquakes. For that, you’d need to buy additional 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.
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.
- Find home insurance in other states
Amanda Shapland contributed to this story.
Frequently asked questions
Is homeowners insurance required in Wyoming?
Is homeowners insurance required in Wyoming?
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?
How can I save money on homeowners insurance in Wyoming?
How can I save money on homeowners insurance in Wyoming?
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.
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.
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.
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, coverages, discounts and online experience. 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. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. 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.
