Average homeowners insurance cost in Wisconsin

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Homeowners in Wisconsin pay an average of $1,648 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. West Bend Insurance Company offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Our data puts the average homeowners insurance cost in Wisconsin at $1,648 per year.
Of all ZIP codes analyzed in Wisconsin, 53081 has the lowest average home insurance rates at around $1,482 annually.
On the insurer side, West Bend Insurance Company offers the most affordable average premiums in Wisconsin, coming in at $1,053 per year.

What is the average cost of homeowners insurance in Wisconsin?

Homeowners in Wisconsin pay an average of $1,648 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Wisconsin? Cost by coverage level

The typical homeowners insurance policy in Wisconsin runs $1,648 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $2,023 in Wisconsin.

The table below shows average homeowners insurance costs in Wisconsin for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,262	$105
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,274	$106
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,648	$137
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,662	$138
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,023	$169
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,038	$170
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,694	$224
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,711	$226
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$4,067	$339
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$4,091	$341

Average home insurance cost in Wisconsin by insurer

West Bend Insurance Company has the lowest average homeowners insurance premiums in Wisconsin at $1,053 per year. Allstate and Secura Insurance also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Wisconsin, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
West Bend Insurance Company	$1,053	$88
Allstate	$1,305	$109
Secura Insurance	$1,435	$120
State Farm	$1,484	$124
Nationwide	$1,552	$129
Acuity Insurance	$1,765	$147
Farmers	$1,784	$149
Auto-Owners	$1,934	$161
American Family	$2,347	$196
USAA*	$1,658	$138

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Wisconsin is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

How does your ZIP code affect home insurance rates in Wisconsin?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Wisconsin.

Most affordable ZIP codes for home insurance in Wisconsin

53081 has the lowest average home insurance rates in Wisconsin, with homeowners paying around $1,482 per year.

Home insurance rates aren’t uniform across Wisconsin. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

Below are average rates for some of the most affordable ZIP codes in Wisconsin.

ZIP code	Average annual rate	Average monthly rate
53081	$1,482	$123
54234	$1,489	$124
53073	$1,492	$124
54202	$1,494	$124
54210	$1,496	$125
54313	$1,498	$125
53070	$1,501	$125
53083	$1,502	$125
53085	$1,504	$125
54246	$1,505	$125

Most expensive ZIP codes for home insurance rates in Wisconsin

54028 has the highest rates in Wisconsin at an average of $1,894 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Wisconsin for home insurance:

ZIP code	Average annual rate	Average monthly rate
54028	$1,894	$158
54020	$1,893	$158
54002	$1,889	$157
54750	$1,881	$157
54014	$1,880	$157
54767	$1,877	$156
54011	$1,875	$156
54010	$1,871	$156
54723	$1,870	$156
54023	$1,869	$156

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Wisconsin by city

See rates in your city

What are the best homeowners insurance companies in Wisconsin?

Based on our data, West Bend Insurance Company stands out as the top choice in Wisconsin. It earns an AM Best rating of A+ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Wisconsin by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
West Bend Insurance Company	$1,053	A+	0.42	5
Secura Insurance	$1,435	A	0.14	4.99
Acuity Insurance	$1,765	A+	0.39	4.31
Auto-Owners	$1,934	A++	0.33	4.3
Farmers	$1,784	A	0.54	3.95
Allstate	$1,305	A+	0.9	3.93
State Farm	$1,484	A++	0.95	3.75
Nationwide	$1,552	A+	0.87	3.72
American Family	$2,347	A	0.37	3.65

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.