FREE DATA · MONEY
What renters in the Equality State actually pay, per the National Association of Insurance Commissioners’ 2023 Homeowners Insurance Report (published July 2026) — and why the windiest state in America still lands near the bottom of the national price table. Wyoming’s NAIC average is $141 a year — $32 under the national figure, the 47th-priciest of the 51. The pricing story is really two stories: Jackson vs everywhere else (the resort town costs nearly double the state average) and the wind-and-hail deductible (the line in the policy that decides what a Wyoming storm actually costs you). Below: the paid-premium data, the $26-vs-$13 city split, the $7-a-month State Farm quirk, and the deductible lesson to read before you sign.
The figures below are the NAIC’s state average HO-4 (renters) premium for Wyoming — total premiums divided by total policies, 2023 policy year, published July 2026.
No state page in this series has a bigger resort-town distortion. Jackson — gateway to the Tetons, ski money, second homes — prices like a different state, while the working cities cluster tight (2026 city averages, cross-checked across ValuePenguin, SafeButler, and rentersinsurancecalc’s $30,000-property / $100,000-liability profile):
| City | Avg /mo | Avg /yr | Why it lands there |
|---|---|---|---|
| Jackson (priciest market) | $26 | $195 | Resort-town pricing — high property values, tourist-season theft exposure, wildfire-adjacent canyons |
| Riverton | $20 | $240 | ValuePenguin’s quote average runs hot here; SafeButler-style paid data would likely land lower |
| Casper | $14–$17 | $165–$168 | The energy capital — mid-market, steady claims |
| Cheyenne (capital) | $14–$16 | $168–$170 | Biggest city, F.E. Warren AFB next door — density prices it a touch above average |
| Gillette | $14 | $168–$175 | Coal-country hub; tracks the capital |
| Sheridan | $12 | $150 | Northern gateway town — quiet and cheap |
| Laramie (cheapest big-city market) | $12–$13 | $145–$156 | University of Wyoming town — student-heavy, quiet claims, lowest of the majors |
Strip out Jackson and the spread collapses — which is the series’ recurring lesson again: the carrier matters more than the city. Shop the companies below against your exact ZIP before the city average sets your expectations.
2026 quote averages for a standard profile. The headline quirk: State Farm at $7 a month (ValuePenguin’s #1 cheapest in Wyoming) — with actual agent offices in small towns like Sheridan and Riverton, a rarity among national carriers:
| Carrier | Avg /mo | Best for |
|---|---|---|
| State Farm | $7 | Cheapest open-market quote in the state — and an agent in towns the nationals skip |
| USAA | ~$10 | Military members and families only — the F.E. Warren AFB crowd in Cheyenne |
| Progressive | $14 | Discount stacking — bundle it with the car and watch the number fall |
| Farmers | $16 | At the state quote average — the baseline to beat |
| Allstate | $16 | Same baseline; agent network across the bigger cities |
| Amica | $21 | Service-first mutual — you pay for the claims experience |
| Assurant | $23 | Apartment-partner policies — convenient, rarely the cheapest |
Methodology note, because the quotes above run well above the NAIC’s $11.75/mo: quote studies price a fixed coverage profile, while the NAIC’s $141/yr is what people actually paid — including bare-minimum policies. The NAIC number is the reality; the quotes are the shopping guide. Both agree Wyoming runs well under the national average either way.
Wyoming is famously the windiest state in America — and eastern Wyoming sits in the northern edge of hail alley. That combination is the whole pricing story. A standard renters policy covers wind and hail: the roof-ripping gusts, the shattered skylight, the hail-dented car is auto insurance’s problem but the hail-soaked couch is yours and covered. What it doesn’t cover: flood (spring snowmelt + summer cloudbursts) and earthquake — both excluded outright, both needing separate policies. The line to read before you sign is the wind/hail deductible: many Wyoming policies carry a separate, higher deductible for wind and hail — often 1–2% of the coverage limit instead of the flat $500. On a $30,000 policy that’s $300–$600 out of your pocket before the first dollar of a hail claim. Wildfire is the third Wyoming peril — dry summers push smoke and evacuation risk, and the policy’s loss-of-use coverage (hotel bills while you’re evacuated) is the part renters actually use. The regulator to know is the Wyoming Insurance Department — it licenses every insurer, reviews rate filings, and runs the consumer complaint process. Wyoming law doesn’t require renters insurance, but landlords can require it as a lease condition — typically $100,000 of liability — and most professionally managed buildings do. At the state average, a year of coverage costs less than a tank of gas in Jackson.
| Output | Formula | What it means |
|---|---|---|
| NAIC average premium | total HO-4 premiums ÷ total HO-4 exposures | What Wyoming renters actually paid: $141/yr. |
| Monthly equivalent | $141 ÷ 12 | ~$11.75/mo — the number to compare against quotes. |
| Share of US average | $141 ÷ $173 | 81.5% — nearly a fifth under the nation. |
The NAIC average is paid premiums across all coverage levels — your quote will differ by ZIP, building type, deductible, credit tier, and limits chosen. Quote-based rankings (ValuePenguin, SafeButler, rentersinsurancecalc, Lemonade) price fixed profiles and run both above and below what people actually pay. Carrier prices are 2026 quote averages and move with filings. Coverage notes reflect standard HO-4 forms; endorsements, exclusions, and wind/hail deductibles vary by carrier. Not insurance advice.
Bright Side Kit. "Wyoming Renters Insurance Cost: $141/yr." https://brightoolbox.com/renters-insurance-cost-wyoming/ Accessed October 23, 2026.Because the peril insurers fear most isn’t wind — it’s water and density. Wyoming has no coast, no hurricanes, tiny cities, and low property crime outside the resort corridor. Wind and hail are covered perils, priced into the policy rather than excluded from it. The NAIC’s $141-a-year paid average is $32 under the national figure. The exclusions (flood, earthquake) are the perils insurers won’t touch at any price.
Yes — hail is a named windstorm peril on the standard policy: the shattered window, the soaked couch, the ruined electronics are covered losses. Read the wind/hail deductible first, though — many Wyoming policies set it at 1–2% of the coverage limit instead of the flat $500, so a $30,000 policy can mean $300–$600 out of pocket. What’s not covered: flood from the same storm system without flood insurance, and earthquake.
Different measurements and different markets. ValuePenguin’s $16/mo is a statewide quote average; Jackson’s $26/mo is resort-town pricing; SafeButler’s city annuals come from real renter submissions. The NAIC’s $11.75/mo is what people actually paid, including bare-minimum policies. Compare quotes against quotes, reality against reality.
State Farm on the open market — $7/mo on ValuePenguin, the cheapest quote in the state, with agent offices in small towns like Sheridan and Riverton that most nationals skip. USAA (~$10/mo, military-only) serves the F.E. Warren AFB community in Cheyenne; Progressive ($14/mo) is the discount-stacking pick.
It licenses every insurer selling in the state, reviews policy forms and rate filings, and handles consumer complaints — it’s listed in the NAIC state directory, and it’s the office to call if a claim goes sideways. Verify any company’s license there before you buy.
Wyoming law doesn’t require it, but landlords can require it as a lease condition — and most professionally managed buildings do, typically $100,000 of liability. Bring proof of the liability limit, not just the policy, at lease signing. At the state average, a year of coverage runs about $141.