Average Renters Insurance Cost in Wisconsin

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In Wisconsin, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $185 annually or $15 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Wisconsin is $185 per year or $15 per month.
West Bend Insurance Company provides the least expensive renters insurance in Wisconsin at an average rate of $87 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Wisconsin.

Average renters insurance cost in Wisconsin per month

The average cost of renters insurance in Wisconsin is $15 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

Average renters ins cost per month	Difference compared to national average
$15	$9 less

Average renters insurance cost in Wisconsin by company

According to our data, West Bend Insurance Company provides the most affordable renters insurance in Wisconsin, with an average annual rate of $87, followed by Acuity Insurance and State Farm.

Getting quotes from multiple renters insurance companies in Wisconsin is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies 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

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

Average cost of renters insurance in Wisconsin by coverage level

On average, Wisconsin renters pay $185 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Wisconsin to $132 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are the average annual renters insurance costs 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

Average cost of renters insurance in Wisconsin by city

Renters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Wisconsin.

Renters insurance rates in Wisconsin by city

See rates in your city

Average cost of renters insurance in Wisconsin by ZIP code

The cost of renters insurance in Wisconsin varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Wisconsin.

Most affordable ZIP codes for renters insurance in Wisconsin

In Wisconsin, your ZIP code plays a major role in determining your premiums. Based on our data, 54911 is the most affordable ZIP code for renters insurance, with an average annual cost of $175.

Comparing quotes from multiple insurers in Wisconsin is a smart way to find the best renters insurance rates for your ZIP code.

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

Least affordable ZIP codes for renters insurance in Wisconsin

Your ZIP code, among other factors, affects how much you pay for renters insurance in Wisconsin. 53216 is the least affordable ZIP code for Wisconsin renters at an average cost of $235 a year or $20 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in Wisconsin. Below are the average annual renters insurance costs by ZIP code.

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

Final thoughts: Average renters insurance in Wisconsin

Renters insurance is essential for residents of Wisconsin. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

Shivani Gite

Contributing 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.