Cheapest homeowners insurance in Wisconsin 2022

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Whether you’re buying a new or existing home or want to best protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. But these policies can get expensive, depending on your coverage inclusions and level.

West Bend Mut Ins Co provides the cheapest homeowners insurance with an average cost of $884 per year.

To help you save money on homeowners insurance, we’ve researched the industry and can suggest three particular insurers with the most affordable coverage on average in Wisconsin. Read on for our recommendations and tips for shopping around and saving money on homeowners insurance.

Key Takeaways

At $74 per month, West Bend Mut Ins Co offers the cheapest homeowners insurance in Wisconsin with $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
After West Bend Mut Ins Co, Allstate and Travelers offer cheaper homeowners insurance in Wisconsin.
Amongst all the large cities surveyed by Insure.com in Wisconsin, the city with zip code 53081 offers the cheapest homeowners insurance at $122 per month or $1,460 annually.

Cheap homeowners insurance companies in Wisconsin

West Bend Mut Ins Co, Allstate and Travelers have the lowest average home insurance rates with $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Here are the average Wisconsin homeowners insurance rates by company. You may wonder: How much is homeowners insurance a month in Wisconsin? We included those averages, too:

Company	Average annual premium	Average monthly premium
West Bend Mut Ins Co	$884	$74
Allstate	$1,338	$111
Travelers	$1,417	$118
Amco	$1,453	$121
USAA	$1,460	$122
Acuity A Mut Ins Co	$1,545	$129
Auto Owners	$1,552	$129
Garrison	$1,620	$135
American Family	$1,788	$149
Safeco	$1,848	$154
State Farm	$2,047	$171
Foremost	$2,221	$185
Fire Insurance	$3,050	$254

Compare cheap homeowners insurance in Wisconsin by ratings

It’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company. We have compared the insurers in Wisconsin using their J.D. Power score and AM Best rating and put together a list of the cheap homeowners insurance companies.

Company	J.D. Power score	AM Best rating
USAA	882	A++
State Farm	835	A++
American Family	831	A
Allstate	829	A+
Safeco	810	A
Liberty Mutual	806	A
Travelers	800	A++

How much is home insurance in Wisconsin

The average Wisconsin homeowners insurance is $1,732 for a policy with $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible. Experts recommend at least $300,000 liability coverage to protect your home against lawsuits. The average Wisconsin home insurance costs are $573 less than the national average.

Actual home insurance costs vary depending on multiple metrics, including location, claims history and discounts, such as auto and home bundling.

For instance, home insurance premiums are partially based on the home’s claims history (even from before you bought the property) and your neighbor’s claims history.

Homeowners insurance companies decide upon rates based on risks. 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 your home insurance costs.

Average annual premium	Average monthly premium
$1,732	$144

Cheapest homeowners insurance in Wisconsin by ZIP code

Not every city in Wisconsin have the same home insurance costs. The price of homeowners insurance depends on a lot of different factors and one of them is your zip code. The least expensive zip code for home insurance in Wisconsin is 53081 with an average annual premium of $1,460 per year.

Find below the homeowners insurance annual and monthly rate for your zip code.

ZIP code	Average annual premium	Average monthly premium
53081	$1,460	$122
54302	$1,462	$122
53714	$1,484	$124
53713	$1,485	$124
53704	$1,486	$124
54304	$1,487	$124
54303	$1,494	$124
54115	$1,497	$125
54311	$1,498	$125
53590	$1,500	$125
53703	$1,501	$125
53726	$1,503	$125
54313	$1,504	$125
53598	$1,508	$126
53073	$1,509	$126

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

How much is home insurance in other states

Alaska$1,799/Year

Alabama$2,981/Year

Arkansas$3,439/Year

Arizona$1,976/Year

California$1,166/Year

Colorado$3,082/Year

Connecticut$1,961/Year

Washington D.C.$1,488/Year

Delaware$1,521/Year

Florida$3,439/Year

Georgia$2,555/Year

Hawaii$499/Year

Iowa$2,540/Year

Idaho$1,842/Year

Illinois$2,201/Year

Indiana$2,423/Year

Kansas$3,931/Year

Kentucky$2,862/Year

Louisiana$3,270/Year

Massachusetts$1,920/Year

Maryland$1,518/Year

Maine$1,833/Year

Michigan$2,153/Year

Minnesota$3,010/Year

Missouri$3,111/Year

Mississippi$3,340/Year

Montana$2,809/Year

North Carolina$2,009/Year

North Dakota$2,601/Year

Nebraska$3,133/Year

New Hampshire$1,455/Year

New Jersey$1,744/Year

New Mexico$2,299/Year

Nevada$1,486/Year

New York$1,840/Year

Ohio$2,107/Year

Oklahoma$4,445/Year

Oregon$1,608/Year

Pennsylvania$1,720/Year

Rhode Island$2,125/Year

South Carolina$2,678/Year

South Dakota$3,172/Year

Tennessee$2,692/Year

Texas$3,429/Year

Utah$1,378/Year

Virginia$1,956/Year

Vermont$1,212/Year

Washington$1,514/Year

West Virginia$2,486/Year

Wyoming$2,083/Year

Les Masterson

Contributor

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.