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West Bend Mutual is the best homeowners insurance company in Wisconsin, based on a 2023 analysis by Insurance.com, with an overall rating of 4.68. Secura Insurance is the second-best home insurance company in Wisconsin, with an overall rating of 4.46.  

West Bend Mutual also offers the cheapest home insurance in Wisconsin at all coverage levels.

With so many options out there, it is not easy to choose a homeowners insurance company in Wisconsin. You need a reliable company that will provide you with quality service at an affordable price. Read on for everything you need to know about home insurance in Wisconsin.

Key takeaways

  • The average cost of homeowners insurance in Wisconsin is $1,508 a year or $125 a month.
  • The cheapest homeowners insurance company in Wisconsin is West Bend Mutual, with an average home insurance rate of $928 a year.
  • West Bend Mutual ranks as the best homeowners insurance in Wisconsin for 2023.

How much is home insurance in Wisconsin?

The average cost of homeowners insurance in Wisconsin is $1,508 a year or $125 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.

Best home insurance companies in Wisconsin

The best home insurance company in Wisconsin for 2023 is West Bend Mutual, followed by Secura Insurance and Acuity A Mutual Ins Co.  

Below is a full list of the top Wisconsin insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Wisconsin
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
West Bend MutualA$ 9280.144.68
Secura InsuranceA++$ 1,2710.14.46
Acuity A Mutual Ins CoA$ 1,3960.273.87
USAAA++$ 1,5600.413.84
NationwideA+$ 1,5170.753.57
Auto-OwnersA++$ 1,8170.193.55
FarmersA$ 1,6490.333.44
AllstateA+$ 1,2062.043.36
State FarmA++$ 1,6771.073.3
American FamilyA$ 1,7570.63.12

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

Cheapest home insurance companies in Wisconsin

Below are Wisconsin home insurance rates by company for six 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 every category by a wide margin.

Cheapest home insurance rates in Wisconsin by coverage level
Company$200,000$300,000$400,000$500,000$600,000
West Bend Mutual$ 717$ 928$ 1,159$ 1,386$ 1,607
Secura Insurance$ 929$ 1,271$ 1,565$ 1,896$ 2,206
Acuity A Mutual Ins Co$ 952$ 1,396$ 1,828$ 2,137$ 2,446
Allstate$ 1,060$ 1,206$ 1,368$ 1,551$ 1,737
Nationwide$ 1,124$ 1,517$ 1,941$ 2,397$ 2,997
Farmers$ 1,187$ 1,649$ 2,142$ 2,452$ 2,844
USAA$ 1,244$ 1,560$ 1,827$ 2,080$ 2,314
State Farm$ 1,296$ 1,677$ 1,985$ 2,399$ 2,760
American Family$ 1,383$ 1,757$ 2,201$ 2,635$ 3,046
Auto-Owners$ 1,472$ 1,817$ 2,166$ 2,444$ 2,592

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 CALIFORNIA

$200,000
$1,000
$100,000
94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $797

HIGHEST RATE: $1,179 LOWEST RATE: $496

Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92325Crestline$1,450
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
94086Sunnyvale$742
94085Sunnyvale$743
94087Sunnyvale$743
95051Santa Clara$743

The most expensive ZIP codes in Wisconsin for home insurance 

Wisconsin homeowners insurance rates are the most expensive for ZIP code 54020, with an average annual cost of $1,741.

The most expensive ZIP codes in Wisconsin are:

ZIP codeAverage annual rates
54020$ 1,741
54013$ 1,712
54009$ 1,709
54001$ 1,708
54028$ 1,708
54767$ 1,707

The least expensive ZIP codes in Wisconsin for home insurance

The cheapest ZIP codes for home insurance in Wisconsin are:

ZIP codeAverage annual rates
53081$ 1,350
54311$ 1,360
54304$ 1,362
54115$ 1,364
53073$ 1,364
54313$ 1,365

Frequently asked questions about Wisconsin homeowners insurance

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.

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
Madison
$1,109
Menomonee Falls
$1,125
Oshkosh
$1,078
Portage
$1,162
Sheboygan
$1,039
Sun Prairie
$1,095
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