State Farm earned the top spot in my Wyoming bundle rankings with a MoneyGeek score of 4.88 out of 5 and an annual bundled premium of $2,160. I analyzed 120 quotes across four Wyoming ZIP codes, weighing affordability, customer satisfaction and coverage quality to build these rankings. Allstate offers the largest bundle discount in the state at 16%, saving policyholders $665 per year.
Best Home and Auto Bundle Insurance in Wyoming
Updated: May 7, 2026
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Key Takeaways
State Farm takes the highest MoneyGeek score of 4.88 out of 5 for home and auto bundle insurance in Wyoming, with the cheapest annual bundled rate of $2,160.
In Wyoming, Allstate largest bundle discount at 16%, saving policyholders $665 a year.
A higher bundle discount rate doesn't guarantee the lowest total bill. Allstate's 16% discount saves $665 annually, but State Farm's lower base rates result in a cheaper total premium of $2,160 per year.
Best Home and Auto Insurance Bundle in Wyoming
| State Farm | 4.88 | $2,160 | 15% |
| Allstate | 4.38 | $3,535 | 16% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top Home and Auto Bundle Companies in Wyoming
State Farm leads Wyoming's bundle rankings on composite score, while Allstate offers the state's largest discount percentage at 16%. Wyoming's small insurance market limits carrier competition statewide. My analysis found only two providers actively writing bundle policies in the state. The state's dual exposure to wildfire in western communities and high hail frequency across the plains means certain providers are better positioned to cover Wyoming homeowners than others.
State Farm
MoneyGeek Rating
4.9/ 5
5/5Affordability
4.9/5Customer Experience
4.8/5Coverage
Annual Bundle Premium
$2,160Monthly Bundle Premium
$180Bundle Savings
15%
Allstate
MoneyGeek Rating
4.4/ 5
3.9/5Affordability
4.6/5Customer Experience
4.7/5Coverage
Annual Bundle Premium
$3,535Monthly Bundle Premium
$295Bundle Savings
16%
Cheapest Home and Auto Bundle in Wyoming
State Farm offers Wyoming's lowest annual bundled rate at $2,160. Allstate carries the biggest bundle discount at 16%, saving policyholders $665 per year, but its total bundled premium of $3,535 is higher than State Farm's rate. To see how Wyoming's auto rates compare more broadly, my data on average car insurance costs in Wyoming provides useful context.
| State Farm | $2,160 | $391 |
| Allstate | $3,535 | $665 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Wyoming
Allstate offers Wyoming's largest bundle discount at 16%, saving policyholders $665 per year. A high discount percentage doesn't guarantee the lowest total premium: Allstate's bundled rate of $3,535 per year is still higher than State Farm's $2,160, making it worth comparing total costs rather than discount size alone.
| Allstate | 16% | $665 | $3,535 |
| State Farm | 15% | $391 | $2,160 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
FINDING HOME AND AUTO INSURANCE BUNDLE IN WYOMING
Wyoming's combination of wildfire exposure in forested and rural western communities and a very small statewide insurance market means fewer carriers compete for homeowners business, limiting bundle options in some rural areas. High hail frequency across the plains and foothills adds further pressure to home insurance premiums statewide. All providers in my analysis are actively writing policies in Wyoming, but homeowners in high-risk wildfire zones should confirm availability before purchasing.
How to Get Cheap Home and Auto Insurance Bundle in Wyoming
Wyoming's small insurance market limits carrier competition and bundle options statewide, which can keep premiums higher than in larger states with more insurers. Wildfire exposure in western communities and high hail frequency across the plains push home insurance costs above comparable rural state averages, making it worth taking every available discount.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 reduces your annual home premium. This same concept applies to your auto comprehensive and collision deductibles. Before switching, make sure you have enough in savings to cover the higher out-of-pocket cost if you need to file a claim.
- 2
Try a Telematics Auto Program
Telematics programs track your speed, braking, and mileage and can lower your auto rate based on your actual driving habits. Progressive's Snapshot and Nationwide's SmartRide are two programs available through top Wyoming providers, and the savings from these programs stack on top of your bundle discount.
- 3
Add Fire-Resistant and Hail-Resistant Home Features
Wyoming homeowners deal with two primary cost drivers: wildfire exposure in forested and rural western communities and high hail frequency across the plains and foothills. Fire-resistant roofing, ember-resistant vents and defensible space can qualify for home insurance discounts in wildfire-exposed areas, while impact-resistant roofing certified for hail resistance can reduce premiums statewide. These credits stack with your bundle savings at renewal.
- 4
Compare Quotes When Your Policy Renews
The rate spread between Wyoming's cheapest and most expensive bundle providers is $1,375 per year, meaning comparison shopping at renewal can produce real savings. Comparing bundled quotes takes less time than most homeowners expect and gives you leverage to negotiate or switch at the best moment in your policy cycle. Consider your auto insurance at renewal time and compare with bundle rates.
Home and Auto Insurance Bundle in Wyoming: FAQ
Does Wyoming's small insurance market and wildfire risk affect home and auto bundle options?
Wyoming's combination of a very small insurance market and active wildfire exposure in western and forested communities limits the number of carriers competing for homeowners business statewide. My analysis of 120 quotes across four Wyoming ZIP codes found only 2 providers actively writing bundle policies, fewer than most states. Homeowners in high-risk wildfire zones should confirm availability before purchasing.
Does Wyoming's wildfire and hail risk affect home and auto bundle rates?
Yes, both risks push Wyoming home insurance premiums higher than comparable rural states, which flows directly into bundle costs. Wildfire exposure in western and forested communities raises rebuilding risk, while high hail frequency across the plains and foothills increases claims frequency for roof and structural damage. Choosing impact-resistant roofing and fire-resistant home features can offset some of these costs through insurer discounts.
Should I bundle home and auto insurance in Wyoming?
Bundling home and auto makes financial sense for most Wyoming homeowners, as it produces both a discount and the convenience of a single insurer. Allstate offers the largest discount in Wyoming at 16%, saving policyholders $665 per year.
Which company has the best bundle in Wyoming for homeowners who want more coverage?
State Farm earned the highest MoneyGeek score of 4.88 out of 5 in Wyoming, reflecting strong performance across affordability, customer satisfaction and coverage quality. Homeowners who prioritize coverage breadth should also review each provider's add-on options for Wyoming-specific risks, including wildfire, hail, wind and winter storm coverage. Compare bundling options against individual car insurance and homeowners insurance when deciding on your best choice.
How do I know if my bundle discount is actually saving me money?
Compare your combined bundled premium against separate quotes for home and auto from different insurers. A large discount percentage doesn't always mean the lowest total bill. In Wyoming, Allstate's 16% discount saves $665 per year, but State Farm's lower base rates produce a cheaper bundled premium of $2,160. Reviewing how much car insurance you need can also help you avoid paying for more coverage than your situation requires.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction applied to your premiums when you combine home and auto with one insurer. Actual bundle savings is the dollar amount you save compared to buying each policy separately. A provider with a 16% discount on a high base premium may save you less in dollars than a provider with a smaller discount on a lower base rate, which is why MoneyGeek's Wyoming rankings show both figures side by side.
MoneyGeek analyzed 120 quotes across four Wyoming ZIP codes to rank the best home and auto bundle insurance providers in the state. Data sources include Quadrant Information Services, AM Best, J.D. Power and the Wyoming Insurance Department. Figures are averages; actual rates vary by ZIP code, claims history and individual profile. Learn more about our auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!