Who Has the Cheapest Homeowners Insurance Quotes in Wyoming?

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Ryan Friend

September 24, 2019  •  5 min read

A famously sparsely populated state, Wyoming is nonetheless still populated with homeowners like you. And homeowners in Wyoming know just what dangers nature can bring with it, and that’s not to speak of human threats to your home. You need an extra layer of protection and a plan if fortune doesn’t favor your home, which is why we recommend you look into getting a homeowners insurance policy as soon as you can. We have compiled some information below on the cheapest and best providers.

Here are the three cheapest homeowners insurance providers operating in Wyoming:

The Three Cheapest Quotes:

Wyoming is a large state with quite a bit of diverse terrain, and as such, diverse threats to homes. We ask you to note this and remember that your rate might be different than the average listed below.

The number listed next to each provider is the average annual rate for a standard policy.

1) Amica: $1,327

Amica is the cheapest option on average in Wyoming, but that isn’t even the main claim to fame. That title goes to its excellent customer service team, which is among the best in an industry that isn’t always known for good service. Able to handle the needs of your home no matter its size, you might even be able to lower your rate even further through offered discounts.

The main problem that many potential customers might have with Amica is that they might want more options. Homeowners looking for specific policies might need to work with Farmers or Nationwide instead, but otherwise, we have mostly good things to say about Amica.

You can expect the following working with Amica:

  • Two choices (standard and platinum) for your plan to start out with, with the platinum package having extra benefits.
  • Optional coverages such as: water backup, computers, loss assessment for communal property, credit card fraud, valuable items, and business property.
  • Excellent bundling discounts and many other types of insurance offered.

2) State Farm: $1,443

Another cheap option that most homeowners should look into, State Farm is one of the largest and most well-known providers in the country, and for good reason. They have built an empire off of being able to provide affordable and simple policies to their customers, and if you get a policy from State Farm, you’ll know what you’ll be working with. We think it’s great for fulfilling a requirement or just getting a policy and not thinking much about it afterward.

However, if your Wyoming home is a bit out of the ordinary, then State Farm might not have the solution. Similarly, outside of the normal bundling and safety device installation discounts, there aren’t many opportunities to lower your rate. In State Farm’s case, simple means it might not be enough.

You can expect the following working with State Farm:

  • The benefits of working with one of the most experienced and structurally and fiscally sound insurance companies in the industry.
  • Great online resources, including a nearly perfect quoting tool.
  • Plenty of agents and staff available to help you.

3) Farmers: $1,833

While the most expensive option on average here, Farmers is also the best of several worlds when it comes to the quality of services and the quality of the customer service. If you want the best and are willing to pay for it, get a quote from Farmers and see if it’s in your range and if they offer the coverage levels you need.

Yet with all of the good things to say about them, you may want to be on the lookout for the future when you work with them, as quite a few customers become unsatisfied down the line. Some report price hikes while others simply report that the coverage wasn’t enough for them. Either way, read ahead and ask questions.

You can expect the following working with Farmers:

  • An excellent loss of use policy so you always have somewhere to stay.
  • Many different discounts available to keep your rate affordable.
  • Declining deductibles and claim forgiveness for those who make claims rarely to infrequently.

Other Notable Wyoming Homeowners Insurance Providers

We couldn’t get a reliable average annual rate from every homeowners insurance provider in Wyoming, but we still think there are some other companies worth your attention if you’re getting a plan. Here are two of them:

4) Nationwide

Nationwide is where you might want to look if you think Farmers was too expensive and want to see what other quotes you might be able to get. They also have more customization options than we can list here, making it clear that you’ll be able to get exactly the plan you want. They can also be expensive for some customers, but you may find yourself lucky or may find a package that’s worth every penny.

What might not be worth so much are their optional coverage, which can be surprisingly expensive if you compare them to like offers from competitors. Be careful about what you get and don’t be afraid to compare and contrast plans.

You can expect the following working with Nationwide:

  • A free regular review to help you make sure you’re getting the most out of Nationwide.
  • Optional flood, earthquake, water backup, and identity theft coverages. You can also get enhanced coverages for home replacement and your valuables.
  • An excellent plan when it comes to replacing or repairing stolen or damaged items.

5) Mountain West Farm Bureau

The Mountain West Farm Bureau is an organization dedicated to serving the needs of farmers, ranchers, and agricultural professionals in the region, and one of the main things they do is provide insurance options and other services to members. Serving Wyoming and Montana, they’ve been working for 70 years and adapting to the needs of businesses, residents, and most importantly homeowners.

And while they do that, they are more locally-focused, and might not have the full resources of a larger organization like one of the ones listed above. You also might not find the full range of options available, so check to see if they aren’t missing anything first.

You can expect the following working with Mountain West Farm Bureau:

  • Insurance options specifically helping people living in the country.
  • Plenty of different discount options to work with, including bundling, having a new home, installing alarm systems, getting resistant roofing, and remaining loyal to the organization.
  • Agents and customer service staff who know the needs of Wyoming residents.


Even if you have the most well-built and secure home in Wyoming, all it takes is one bad event to cause damage that needs major repairs. To cover yourself, your home, and your bank account, you need to get a homeowners insurance policy as soon as possible. The above options are each excellent choices for some people, but only you know what you will need in the long run. We hope that the above information helps you make a better choice, and wish you all the best in your search.