Average Renters Insurance Cost in Wisconsin

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Renters insurance costs in Wisconsin vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Wisconsin is $167 per year or $14 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Wisconsin is $167 per year or $14 per month.
West Bend Mutual provides the least expensive renters insurance in Wisconsin at an average rate of $81 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 $14 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
$14	$8 less

Average renters insurance cost in Wisconsin by company

West Bend Mutual offers the most affordable renters insurance in Wisconsin at an average annual rate of $81, followed by State Farm and Secura Insurance, based on our data.

However, you should get multiple quotes from various renters insurance companies in Wisconsin because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Wisconsin.

Company	Average annual rate	Average monthly rate
West Bend Mutual	$81	$7
State Farm	$140	$12
Secura Insurance	$150	$13
Acuity A Mutual Ins Co	$158	$13
Allstate	$175	$15
Auto-Owners	$181	$15
Nationwide	$192	$16
Wisconsin Mutual	$199	$17
American Family	$219	$18

Renters insurance calculator in Wisconsin

$153/year

Estimated renters insurance rates in Wisconsin

$13

Monthly renters insurance cost in Wisconsin

-38%

Compared to national average

Average cost of renters insurance in Wisconsin by coverage level

As we discussed above, the average cost of renters insurance in Wisconsin is $167 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $123 per year for renters insurance in Wisconsin, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Wisconsin for personal property coverage amounts 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	$118	$10
$20,000 with $500 Deductible and $300,000 Liability	$131	$11
$20,000 with $1,000 Deductible and $100,000 Liability	$111	$9
$20,000 with $1,000 Deductible and $300,000 Liability	$123	$10
$40,000 with $500 Deductible and $100,000 Liability	$166	$14
$40,000 with $500 Deductible and $300,000 Liability	$180	$15
$40,000 with $1,000 Deductible and $100,000 Liability	$153	$13
$40,000 with $1,000 Deductible and $300,000 Liability	$167	$14
$60,000 with $500 Deductible and $100,000 Liability	$213	$18
$60,000 with $500 Deductible and $300,000 Liability	$227	$19
$60,000 with $1,000 Deductible and $100,000 Liability	$196	$16
$60,000 with $1,000 Deductible and $300,000 Liability	$211	$18

Average cost of renters insurance in Wisconsin by city

Renters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Wisconsin and find the best fit for your budget.

Renters insurance rates in Wisconsin by city

See rates in your city

Average cost of renters insurance in Wisconsin by ZIP code

In Wisconsin, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Wisconsin

The amount Wisconsin renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 54226 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $157.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Wisconsin.

ZIP code	City	Average annual rate	Average monthly rate
54226	Maplewood	$157	$13
54115	De Pere	$157	$13
54202	Baileys Harbor	$158	$13
54204	Brussels	$158	$13
54209	Egg Harbor	$158	$13
54210	Ellison Bay	$158	$13
54211	Ephraim	$158	$13
54212	Fish Creek	$158	$13
54213	Forestville	$158	$13
54220	Manitowoc	$158	$13

Least affordable ZIP codes for renters insurance in Wisconsin

53216 is the most expensive ZIP code for renters insurance in Wisconsin, at an average cost of $208 annually or $17 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Wisconsin. The table below shows the average annual renters insurance rates by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
53216	Milwaukee	$208	$17

Final thoughts: Average renters insurance in Wisconsin

Renters insurance is a must-have for renters in Wisconsin. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

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.