Average renters insurance cost in Wisconsin

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Renters insurance in Wisconsin costs an average of $185 per year, or $15 per month. That’s for a standard policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible – a solid starting point for most renters.

Your actual rate depends on how much coverage you choose, which insurance company you go with, and personal factors like your ZIP code, claims history, and in some states, credit score

How much does renters insurance cost in Wisconsin?

Renters insurance in Wisconsin costs an average of $15 per month for a standard policy with $40,000 in personal property coverage and $300,000 in liability protection. Your actual premium can vary based on your location, coverage level, and the value of your belongings, so it’s worth comparing quotes from multiple insurers to find the best rate.

As a general rule, opting for a higher deductible can bring your monthly costs down, while adding extra coverage for high-value items like electronics or jewellery will push it up. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Wisconsin: Where to start

The average cost of renters insurance in Wisconsin is $185 per year, or $15 per month for a standard policy
For the most affordable option, West Bend Insurance Company offers the lowest average rates in Wisconsin at around $87 annually
Rates vary quite a bit between insurers, so comparing a few quotes before committing is worth the effort

Which companies offer the cheapest renters insurance in Wisconsin?

The most affordable renters insurance in Wisconsin comes from West Bend Insurance Company, which averages $87 per year. Acuity Insurance and State Farm are also competitive options for budget-conscious renters.

Keep in mind that the cheapest policy isn’t always the right one – coverage limits, deductibles, and available discounts all matter. The table below compares average annual and monthly rates from leading insurers in Wisconsin.

Company	Average annual rate	Average monthly rate
West Bend Insurance Company	$87	$7
Acuity Insurance	$156	$13
State Farm	$166	$14
Auto-Owners	$171	$14
Nationwide	$192	$16
Secura Insurance	$193	$16
Allstate	$195	$16
Wisconsin Mutual	$235	$20
American Family	$259	$22

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

Renters insurance calculator in Wisconsin

$171/year

Estimated renters insurance rates in Wisconsin

$14

Monthly renters insurance cost in Wisconsin

-37%

Compared to national average

How much does renters insurance cost by coverage level in Wisconsin?

The average annual cost of renters insurance in Wisconsin is $185, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $132 a year for renters insurance in Wisconsin. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows average annual renters insurance premiums in Wisconsin for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$128	$11
$20,000 with $500 Deductible and $300,000 Liability	$141	$12
$20,000 with $1,000 Deductible and $100,000 Liability	$119	$10
$20,000 with $1,000 Deductible and $300,000 Liability	$132	$11
$40,000 with $500 Deductible and $100,000 Liability	$184	$15
$40,000 with $500 Deductible and $300,000 Liability	$197	$16
$40,000 with $1,000 Deductible and $100,000 Liability	$171	$14
$40,000 with $1,000 Deductible and $300,000 Liability	$185	$15
$60,000 with $500 Deductible and $100,000 Liability	$238	$20
$60,000 with $500 Deductible and $300,000 Liability	$252	$21
$60,000 with $1,000 Deductible and $100,000 Liability	$223	$19
$60,000 with $1,000 Deductible and $300,000 Liability	$237	$20

People also ask: How much renters insurance coverage do I need?

Most renters need enough coverage to replace their personal belongings and protect against liability claims. A common starting point is $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. That said, the right amount really depends on the value of what you own, any endorsements you might add for higher-value items, and how much risk you’re comfortable carrying yourself.

Renters insurance rates in Wisconsin by city

See rates in your city

How much does renters insurance cost by city in Wisconsin?

Your city within Wisconsin can have a real impact on your renters insurance premium. Insurers factor in local variables like crime statistics, weather history, and how urban or suburban an area is when setting rates.

Here’s how average renters insurance costs break down across major cities in Wisconsin.

Does your ZIP code affect renters insurance rates in Wisconsin?

Your ZIP code is one of the most significant factors in how insurers price your policy. Areas with higher rates of theft, more frequent weather events, or a greater number of past claims tend to see higher premiums – even for the same level of coverage.

In Wisconsin, annual rates range from roughly $175 in 54911 to $235 in 53216. Below are the cheapest and most expensive ZIP codes for renters insurance in Wisconsin.

Why your ZIP code affects renters insurance costs

Insurers use neighborhood-level risk data when calculating your premium, which means rates can differ significantly from one ZIP code to the next.

Key factors include:

Theft and vandalism rates in your area
Exposure to weather risks like hurricanes, wildfires, or flooding
Historical fire claims and local rebuilding costs

Even shifting a few ZIP codes can change what you pay each month.

What are the most affordable ZIP codes for renters insurance in Wisconsin

54911 has the lowest average annual renters insurance cost at $175.

Areas with fewer theft incidents and lower weather-related claim activity tend to have more affordable premiums overall.

ZIP code	City	Average annual rate	Average monthly rate
54911	Appleton	$175	$15
54115	De Pere	$175	$15
54123	Forest Junction	$175	$15
54313	Howard	$175	$15
54226	Maplewood	$175	$15
54952	Menasha	$175	$15
54301	Allouez	$176	$15
54202	Baileys Harbor	$176	$15
54110	Brillion	$176	$15
54204	Brussels	$176	$15

What are the least affordable ZIP codes for renters insurance in Wisconsin

At the other end of the spectrum, 53216 has the highest average renters insurance cost in Wisconsin, at $235 per year or $20 per month.

Below are average annual rates across all ZIP codes in Wisconsin, based on quotes from major providers.

ZIP code	City	Average annual rate	Average monthly rate
53216	Milwaukee	$235	$20
53217	Whitefish Bay	$216	$18
53226	Wauwatosa	$212	$18
53214	West Allis	$211	$18
53228	Greenfield	$209	$17
53235	St. Francis	$199	$17
53154	Oak Creek	$198	$16
53405	Racine	$198	$17
53007	Butler	$197	$16
53110	Cudahy	$197	$16

How to lower your renters insurance, even in a high-cost ZIP code

Get quotes from at least 3 insurers – rates for identical coverage can differ by $100 or more within the same ZIP code
Bundle your renters and auto insurance to cut 5% to 15% off your premium
Ask about discounts for safety features like smoke detectors, deadbolts, security systems, or smart home devices
Raise your deductible from $500 to $1,000 – this alone can reduce your premium by around 10%
If you haven’t filed a claim in 3 or more years, ask about a claims-free discount

Is renters insurance worth it in Wisconsin?

For most renters in Wisconsin, renters insurance is well worth having. It protects your belongings against fire, theft, vandalism, and certain natural disasters, while also providing liability coverage if someone is injured in your home.

According to the US Department of Commerce, the US Census Bureau and American Community Survey â€“ over 48% of renter households in the US spend more than 30% of their income on rent and utilities, which means even smaller ongoing expenses like insurance are worth managing carefully.

Finding the right policy comes down to shopping around. Price matters, but it’s also important to review coverage options, deductibles, and customer satisfaction. Paying slightly more for better coverage can make a real difference when you need to file a claim.

Frequently asked questions

What does renters insurance actually cover?

A standard renters insurance policy covers personal belongings, liability, and additional living expenses if your rental becomes unlivable. It protects against losses from events like fire, theft, and vandalism, and can cover legal or medical costs if someone is hurt on your property. Always check the specific limits and exclusions in any policy you’re considering.

Do I really need renters insurance in Wisconsin?

While renters insurance isn’t legally required in most cases, it provides real financial protection that’s hard to replicate otherwise. Even a basic policy can cover thousands of dollars in losses from theft, fire, or accidental damage – costs that would otherwise come straight out of pocket. Many landlords in Wisconsin also make renters insurance a condition of the lease.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

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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.