Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Wisconsin Average homeowners insurance cost in Wisconsin Homeowners insurance in Wisconsin costs $1,648 per year or $137 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Wisconsin is $1,648 a year. Continue reading to learn more about homeowners insurance rates in Wisconsin by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $1,648 a year, based on Insure.com analysis.Of all the ZIP codes in Wisconsin, 53081 has the most affordable home insurance rates at around $1,482 annually.In Wisconsin, West Bend Insurance Company provides the most affordable home insurance at an average annual premium of $1,053. Average home insurance cost in Wisconsin by coverage levelThe average cost of homeowners insurance in Wisconsin is $1,648 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,023 per year for homeowners insurance in Wisconsin for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Wisconsin for dwelling coverage of $300,000, $400,000 and $500,000.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 Homeowners insurance companies in Wisconsin decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in WisconsinIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Wisconsin using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Wisconsin. Based on the analysis, West Bend Insurance Company received the lowest NAIC score and A+ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreWest Bend Insurance Company$1,053A+0.425Secura Insurance$1,435A0.144.99Acuity Insurance$1,765A+0.394.31Auto-Owners$1,934A++0.334.3Farmers$1,784A0.543.95Allstate$1,305A+0.93.93State Farm$1,484A++0.953.75Nationwide$1,552A+0.873.72American Family$2,347A0.373.65Average homeowners insurance cost by company in WisconsinWest Bend Insurance Company offers the most affordable homeowners insurance in Wisconsin, at an average annual premium of $1,053, followed by Allstate and Secura Insurance.You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Wisconsin homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.Company Average annual rate Average monthly rateWest Bend Insurance Company$1,053$88Allstate$1,305$109Secura Insurance$1,435$120State Farm$1,484$124Nationwide$1,552$129Acuity Insurance$1,765$147Farmers$1,784$149Auto-Owners$1,934$161American Family$2,347$196USAA$1,658$138Wisconsin homeowners insurance rates by ZIP codeIn Wisconsin, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Wisconsin. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in WisconsinHomeowners insurance costs in Wisconsin can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 53081 area has the most affordable insurance rates, at $1,482 annually or $123 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Wisconsin.ZIP codeAverage annual rateAverage monthly rate53081$1,482$12354234$1,489$12453073$1,492$12454202$1,494$12454210$1,496$12554313$1,498$12553070$1,501$12553083$1,502$12553085$1,504$12554246$1,505$125Most expensive ZIP codes for home insurance rates in WisconsinYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Wisconsin, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Wisconsin, 54028 has the highest homeowners insurance rates, at $1,894 per year.Here, we’ve highlighted some of the most expensive ZIP codes in Wisconsin for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate54028$1,894$15854020$1,893$15854002$1,889$15754750$1,881$15754014$1,880$15754767$1,877$15654011$1,875$15654010$1,871$15654723$1,870$15654023$1,869$156Home 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 cityGreen BayKenoshaMadisonMilwaukeeHome insurance rate trend in WisconsinWe analyzed home insurance rate trends in Wisconsin and found that homeowners insurance rates experienced an overall increase of 10% or $153, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,441$1,495$1,648Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Wisconsin.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Wisconsin Average renters insurance cost in Wisconsin Average car insurance cost in Wisconsin Non-owner auto insurance in Wisconsin How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite How to switch home insurance By Leslie Kasperowicz Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page Average home insurance cost in Wisconsin by coverage levelBest homeowners insurance companies in WisconsinAverage homeowners insurance cost by company in WisconsinWisconsin homeowners insurance rates by ZIP codeHome insurance rate trend in WisconsinResources & methodology ZIP Code Please enter valid ZIP See rates