Best home insurance companies in Wisconsin: Auto-Owners

The best home insurance company in Wisconsin for 2024 is Auto-Owners. State Farn, Nationwide, Allstate, and Farmers are among the top home insurance companies in Wisconsin based on price, NAIC complaints, and AM Best financial ratings.

The total score is calculated out of five using these factors.

Best home insurance in Wisconsin
Company AM BestNAIC complaint scoreAverage annual rate
State FarmA++0.834.25$1,496
American FamilyA0.802.95$2,359
Data refreshed as of May 2024

Cheapest home insurance companies in Wisconsin: West Bend Mutual

Below are Wisconsin home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see West Bend Mutual has the most affordable rates in all coverage levels except $1,000,000, by a considerable margin.

Cheapest home insurance in Wisconsin 
West Bend Mutual$818$1,063$1,330$1,849$2,977
Secura Insurance$1,053$1,451$1,795$2,539$3,921
State Farm$1,157$1,496$1,764$2,451$3,691
Acuity Insurance$1,177$1,780$2,363$3,153$4,842
American Family$1,845$2,359$2,902$3,956$5,604

*USAA only provides coverage to military members, veterans, and their families.

Data refreshed as of May 2024

Average home insurance cost in Wisconsin

The average cost of homeowners insurance in Wisconsin is 1,662 a year or $138 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Wisconsin homeowners insurance companies to get the best deal.

Wisconsin home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Wisconsin to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77586El Lago$9,906

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of May 2024

The most expensive ZIP codes in Wisconsin for home insurance 

Wisconsin homeowners insurance rates are the most expensive for ZIP code 54028, with an average annual cost of $1,907.

The most expensive ZIP codes in Wisconsin are:

ZIP codeAverage annual rate
Data refreshed as of May 2024

The least expensive ZIP codes in Wisconsin for home insurance

The cheapest ZIP codes for home insurance in Wisconsin are:

ZIP codeAverage annual rate
Data refreshed as of May 2024

Compare homeowners insurance rates by city in Wisconsin

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Wisconsin.

CityAnnual insurance premium
Menomonee Falls
Sun Prairie
Data refreshed as of May 2024

Home insurance FAQs

Do you need flood insurance in Wisconsin?

You may need flood insurance if you live in a high-risk area, which includes any home near a river or lake. Your mortgage company may require it, but even if it’s not required it’s a wise investment.

How can I save money on Wisconsin home insurance?

The best way to get a cheaper rate is to shop around, but you can also ask about discounts including those for bundling your home and auto with the same company.

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