Wyoming Home Insurance Baseline (2026): $112/mo
Wyoming home insurance averages $112/mo per NAIC 2023 published data — the most recent state-aggregate baseline. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation.
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Best Wyoming home insurance by driver profile
The “best” home carrier in Wyoming depends on your specific profile. Below is how we route the top-rated carriers based on profile signals, using 0 recent filings + the 2023 NAIC baseline.
Best for high-value homes ($750K+) in Wyoming: Chubb and PURE specialize in high-net-worth coverage. Standard carriers cap dwelling coverage well below the replacement cost on these properties.
Best for standard single-family homes in Wyoming: State Farm files among the most competitive baseline rates in the standard market.
Best for older homes / specialty risks in Wyoming: Travelers and Liberty Mutual will underwrite properties that more conservative carriers decline.
Wyoming home insurance — what affects your rate
Wyoming home rates reflect the state’s loss-cost mix — urban density, weather exposure, litigation costs, and how quickly the regulator lets carriers re-rate.
Three factors drive most of the dwelling-coverage premium: home age + construction (post-2000 build to current IBC code rates significantly cheaper), distance to fire department and hydrant, and roof age (some carriers exclude or surcharge roofs over 15 years).
Frequently asked: Wyoming home insurance
How much does home insurance cost in Wyoming?
The 2023 NAIC published average is $1,352/year (about $112/mo). Recent carrier filings suggest current rates run 10-25% above this baseline; the table above shows the actual filed numbers. Your specific quote depends on your ZIP, age, vehicle, driving record, and credit (where credit-based scoring is permitted).
Why are Wyoming home insurance rates what they are?
Wyoming rates reflect the state’s loss-cost environment: population density, weather risk, litigation costs, and the regulatory regime that governs how quickly carriers can re-rate.
How can I lower my Wyoming home insurance bill?
The single biggest lever is comparing quotes across carriers — rate differences for the same profile commonly run 30-50%. The table above shows where carriers currently file baseline rates; your actual quote may rank carriers differently. Use Sage to get personalized quotes in 60 seconds: Start Sage
How PolicyChat sources this data
PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every row above can be traced to its source filing or partner-feed quote.
- State Department of Insurance / SERFF filings — public rate filings. PolicyChat Rate Authority pulls daily; filings appear within days of carrier submission.
- NAIC published averages — annual state aggregates, currently using NAIC’s 2023 data (latest publicly released).
- Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes pulled when a user walks through Sage.
Methodology: /methodology/rate-authority/
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