Average Homeowners Insurance Cost in Rock Springs, WY
The average cost of homeowners insurance in Rock Springs, Wyoming is $1,698 per year in 2026. This compares to the state average of $1,750 per year.
Factors Affecting Home Insurance in Rock Springs
Average: $310,000
medium
3% of properties
0.97 (100 = national avg)
Home Insurance Coverage Comparison
| Coverage Tier | Dwelling Coverage | Personal Property | Liability | Est. Annual Cost |
|---|---|---|---|---|
| Basic (HO-1) | $248,000 | $124,000 | $100,000 | $1,273 |
| Standard (HO-3) | $310,000 | $155,000 | $300,000 | $1,698 |
| Premium (HO-5) | $387,500 | $232,500 | $500,000 | $2,292 |
Auto Insurance in Rock Springs, WY
The average annual cost of auto insurance in Rock Springs is $1,310, compared to the Wyoming state average of $1,350.
Auto Insurance Coverage Comparison
| Coverage Level | Liability | Collision | Comprehensive | Est. Annual Cost |
|---|---|---|---|---|
| Liability Only | State Minimum | None | None | $720 |
| Full Coverage | 100/300/100 | $500 deductible | $500 deductible | $1,310 |
| Premium | 250/500/250 | $250 deductible | $250 deductible | $1,703 |
Health Insurance in Rock Springs, WY
The average monthly health insurance premium in Rock Springs is $806 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
Health Insurance Plan Tiers
| Plan Tier | Avg Monthly Premium | Typical Deductible | Out-of-Pocket Max | Best For |
|---|---|---|---|---|
| Bronze | $580 | $7,000 | $9,100 | Healthy, low usage |
| Silver | $806 | $4,500 | $9,100 | Moderate usage |
| Gold | $1,007 | $1,650 | $8,700 | Regular medical needs |
| Platinum | $1,209 | $0 | $4,500 | High usage / families |
Life Insurance & Renters Insurance in Rock Springs
💰 Life Insurance
Life insurance rates in Wyoming are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $22/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
Renters insurance in Rock Springs covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Rock Springs
Estimate your total annual insurance costs based on your personal profile.
Frequently Asked Questions
Compare Insurance Quotes in Rock Springs
Get personalized quotes from top insurers in Wyoming. Compare rates in minutes.
Insurance Costs in Nearby Cities
Most Popular Insurance Rates in Wyoming
Compare insurance costs across the largest cities in Wyoming.
Sources & Methodology
Rate ranges on this page are informational estimates for Rock Springs, Wyoming. We start from published state-level averages and adjust for local cost-of-living, home values, weather risk, and other city-level factors. These are not quotes and not insurance advice.
- National Association of Insurance Commissioners (NAIC) — industry statistical publications used as a national baseline.
- State insurance department rate filings and consumer guides for Wyoming.
- Local cost-of-living and housing-value adjustments applied to the Rock Springs market (cost index 0.97).
Last updated: September 2026. See our About page and editorial policy, or contact us to report a correction.