Average renters insurance cost in Wisconsin

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.

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?

Among insurers operating in Wisconsin, West Bend Insurance Company has the lowest average annual premium at $87. Acuity Insurance and State Farm are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly rates from various 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 renters insurance premium in Wisconsin is $185, based on $40,000 in personal property coverage, $300,000 in liability, and a $1,000 deductible.

Dropping your personal property coverage from $40,000 to $20,000 could bring your annual cost down to around $132. Just make sure $20,000 would actually be enough to replace what you own before making that change.

The table below shows average annual premiums in Wisconsin at both the $20,000 and $40,000 personal property coverage levels.

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?

The right amount of coverage depends on the value of your belongings and how much financial risk you’re willing to take on. Most renters do well with $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. If you own high-value items like jewelry or electronics, you may want to add endorsements on top of your base policy.

How much does renters insurance cost by city in Wisconsin?

Renters insurance premiums can differ depending on where in Wisconsin you live. Factors like local crime rates, weather patterns, and the density of the area all play a part in what insurers charge.

Here’s how average renters insurance rates compare across major cities.

Renters insurance rates in Wisconsin by city

See rates in your city

Does your ZIP code affect renters insurance rates in Wisconsin?

Your ZIP code is one of the biggest factors insurers use to set rates. Local risks like theft, fire and weather claims can drive premiums up or down, so two renters with the same coverage may pay very different prices.

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

Why your ZIP code affects renters insurance costs

Insurers use local risk data to calculate renters insurance premiums, which means rates can vary significantly by neighborhood and ZIP code.

Factors that affect renters insurance rates include:

Local theft and vandalism rates
Weather risks such as hurricanes, floods, or wildfires
Fire claims and rebuilding costs in your area

Even moving a few ZIP codes away can affect your monthly premium.

What are the 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.

ZIP codes with lower theft rates and fewer severe weather claims tend to have more affordable renters insurance premiums.

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?

53216 is the most expensive ZIP code for renters insurance in Wisconsin, at an average cost of $235 annually or $20 monthly.

Here are the average annual renters insurance rates for every ZIP code in Wisconsin, based on quotes from major insurers.

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

Compare at least 3 quotes – rates for the same coverage can vary by $100+ between insurers in the same ZIP code
Bundle with auto insurance to save 5% to 15% on your renters policy
Ask about safety device discounts for smoke detectors, deadbolts, security systems, and smart-home monitoring
Raise your deductible from $500 to $1,000 to save around 10%
Check claims-free discounts if you haven’t filed a claim in 3+ years

Is renters insurance worth it in Wisconsin?

For the vast majority of renters in Wisconsin, a renters insurance policy is a smart financial decision. It covers your personal belongings against fire, theft, vandalism, and certain disasters, and provides liability protection if a guest is injured in your home.

Data from the US Department of Commerce, US Census Bureau, and American Community Survey shows that roughly 48% of renter households in the US spend more than 30% of their income on housing costs – which means every recurring expense, including insurance, deserves careful consideration.

The best approach is to compare policies rather than just prices. Coverage quality, deductibles, and customer service all factor into whether a policy is actually good value. Paying a little more for stronger coverage often makes sense when it’s time to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in Wisconsin?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part of the lease.

Sources:

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

How much is renters insurance in other states

$269/Year

$390/Year

$406/Year

$275/Year

$300/Year

$224/Year

$325/Year

$207/Year

$215/Year

$353/Year

$252/Year

$216/Year

Show more states

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.