Renters insurance in Wyoming averages about $10-$14/month ($135/year) for a standard policy with around $22,000 in personal property coverage. Wyoming's tiny population, extremely low crime rates, and minimal urban density produce the lowest renters insurance premiums in the nation.
Avg Annual Premium
$135
$10-$14/month range
Typical Coverage C
$22,000
Personal property limit
Landlord Requirement
Rarely required
Lease clause prevalence
| City | Avg / year | vs State |
|---|---|---|
| Cheyenne | $142/yr | +5.2% above state avg |
| Casper | $135/yr | Matches state avg |
| Laramie | $130/yr | -3.7% below state avg |
Premium estimates for a standard renters policy ($25K–$40K personal property, $100K liability, $500 deductible). Actual quotes vary by credit, claims history, and building type.
Wyoming has the smallest population of any U.S. state, and its renters insurance market reflects a simple reality: very few people, very few claims, very low premiums. Wyoming's primary weather hazards for renters are wind (the state consistently ranks as the windiest in the nation) and wildfires near the Teton Range, Bighorn Mountains, and in the sage steppe regions. Cheyenne and Laramie renters face particularly strong wind events — sustained 50-60 mph winds that can damage personal property left outside and create roof damage leading to interior water claims. The wildfire risk near Jackson, Cody, and Lander is real, with summer fire seasons increasingly affecting Wyoming's western mountain communities.
Jackson Hole has a unique rental market driven by resort workers, seasonal tourists, and second-home owners — rents in Jackson are among the highest per capita in any U.S. rural area, and renters carry expensive ski and outdoor gear worth insuring. Laramie, home to the University of Wyoming, has a student renter market that benefits from the state's minimal pricing. Wyoming landlords almost never require renters insurance — the state's landlord-tenant relationship is one of the least regulated in the country. At $10–$14/month, Wyoming renters insurance is essentially a negligible financial commitment that provides excellent protection against the state's real but infrequent hazards.
💡 Wyoming Pro Tip
Wyoming has no statewide renters insurance law, and Wyoming landlords very rarely require it as a lease condition. This is consistent with the state's general light-touch regulatory approach. Even in Cheyenne and Casper, mandated renters insurance in lease agreements is uncommon.
Yes. Wind is a covered peril in standard renters policies, and Wyoming is the windiest state in the country. Items damaged by wind-driven events — including property exposed on porches or patios during extreme wind events — are generally covered. Cheyenne and Laramie renters in particular experience frequent high-wind events that can cause unexpected property damage.
Wyoming's low risk profile makes it the cheapest state in the nation for renters insurance. Toggle, Lemonade, and State Farm all quote very low rates here — typically $10–$12/month for a solid policy. In Jackson, rates may be slightly higher due to higher personal property values among ski-town renters, but still well below national averages.
Premium estimates reflect carrier rate filings and consumer surveys for Wyoming, April 2026. Verify current rates with your state's Department of Insurance.
Michael Torres
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.