Best home insurance company in Wisconsin: Auto-Owners
The best home insurance company in Wisconsin for 2026 is Auto-Owners. Acuity Insurance, Allstate, West Bend Insurance Company, and State Farm are among the top home insurance companies in Wisconsin based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance company in Wisconsin: West Bend Insurance Company
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 Insurance Company has the most affordable rates in all coverage levels except $1,000,000, by a considerable margin.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Acuity Insurance | $1,210 | $1,847 | $2,490 | $3,400 | $5,305 |
| Allstate | $1,489 | $1,640 | $1,821 | $2,229 | $3,022 |
| American Family | $1,887 | $2,378 | $2,891 | $3,925 | $5,415 |
| Auto-Owners | $1,266 | $1,632 | $1,915 | $2,354 | $3,248 |
| Farmers | $1,222 | $1,695 | $2,189 | $3,072 | $4,575 |
| Nationwide | $1,895 | $2,571 | $3,255 | $4,996 | $8,340 |
| State Farm | $1,557 | $1,964 | $2,228 | $2,785 | $3,535 |
| West Bend Insurance Company | $939 | $1,198 | $1,473 | $2,008 | $2,915 |
| USAA | $1,477 | $1,871 | $2,208 | $2,821 | $3,640 |
*USAA only provides coverage to military members, veterans, and their families.
Average home insurance cost in Wisconsin
The average cost of homeowners insurance in Wisconsin is $1,836 a year or $153 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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The Wisconsin Office of the Commissioner of Insurance says...
Most insurance companies divide the state into rating territories. Each city and locality in Wisconsin is given a fire protection classification ranging from 1 to 10, depending on the amount of fire protection in the area. These rating classes depend on such factors as water pressure, access to a fire department, and the training and skills of firefighters. Most of the larger cities in Wisconsin are in classes 1-4, the lowest rating classes. Small towns and rural areas have higher fire protection classes and generally higher prices.
- The Wisconsin Office of the Commissioner of InsuranceThe 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 $2,198.
The most expensive ZIP codes in Wisconsin are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Osceola | 54020 | $2,198 |
| Woodville | 54028 | $2,172 |
| Baldwin | 54002 | $2,166 |
| Hager City | 54014 | $2,158 |
| Maiden Rock | 54750 | $2,156 |
| Glenwood City | 54013 | $2,153 |
| Dresser | 54009 | $2,152 |
| River Falls | 54022 | $2,151 |
| Ellsworth | 54011 | $2,150 |
| Bay City | 54723 | $2,148 |
The least expensive ZIP codes in Wisconsin for home insurance
The cheapest ZIP codes for home insurance in Wisconsin are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Fence | 54120 | $1,586 |
| Sister Bay | 54234 | $1,589 |
| Baileys Harbor | 54202 | $1,591 |
| Ellison Bay | 54210 | $1,591 |
| Goodman | 54125 | $1,596 |
| Niagara | 54151 | $1,598 |
| Long Lake | 54542 | $1,599 |
| Egg Harbor | 54209 | $1,604 |
| Oshkosh | 54902 | $1,605 |
| Armstrong Creek | 54103 | $1,606 |
Wisconsin homeowners insurance rates by county
Home insurance rates in Wisconsin vary by county. Take a look at the average rates by county in Wisconsin below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adams | $1,892 | $158 |
| Ashland | $1,744 | $145 |
| Barron | $2,045 | $170 |
| Bayfield | $1,766 | $147 |
| Brown | $1,689 | $141 |
| Buffalo | $1,996 | $166 |
| Burnett | $2,057 | $171 |
| Calumet | $1,688 | $141 |
| Chippewa | $1,897 | $158 |
| Clark | $1,841 | $153 |
| Columbia | $1,807 | $151 |
| Crawford | $2,034 | $170 |
| Dane | $1,801 | $150 |
| Dodge | $1,759 | $147 |
| Door | $1,646 | $137 |
| Douglas | $1,883 | $157 |
| Dunn | $2,018 | $168 |
| Eau Claire | $1,911 | $159 |
| Florence | $1,608 | $134 |
| Fond Du Lac | $1,730 | $144 |
| Forest | $1,608 | $134 |
| Grant | $2,032 | $169 |
| Green | $1,904 | $159 |
| Green Lake | $1,745 | $145 |
| Iowa | $1,961 | $163 |
| Iron | $1,734 | $145 |
| Jackson | $1,939 | $162 |
| Jefferson | $1,750 | $146 |
| Juneau | $1,923 | $160 |
| Kenosha | $1,861 | $155 |
| Kewaunee | $1,709 | $142 |
| La Crosse | $1,942 | $162 |
| Lafayette | $2,014 | $168 |
| Langlade | $1,637 | $136 |
| Lincoln | $1,695 | $141 |
| Manitowoc | $1,722 | $144 |
| Marathon | $1,692 | $141 |
| Marinette | $1,642 | $137 |
| Marquette | $1,867 | $156 |
| Menominee | $1,679 | $140 |
| Milwaukee | $1,846 | $154 |
| Monroe | $1,950 | $162 |
| Oconto | $1,667 | $139 |
| Oneida | $1,664 | $139 |
| Outagamie | $1,711 | $143 |
| Ozaukee | $1,774 | $148 |
| Pepin | $2,081 | $173 |
| Pierce | $2,128 | $177 |
| Polk | $2,107 | $176 |
| Portage | $1,759 | $147 |
| Price | $1,780 | $148 |
| Racine | $1,809 | $151 |
| Richland | $1,959 | $163 |
| Rock | $1,821 | $152 |
| Rusk | $1,900 | $158 |
| Sauk | $1,901 | $158 |
| Sawyer | $1,894 | $158 |
| Shawano | $1,706 | $142 |
| Sheboygan | $1,675 | $140 |
| St. Croix | $2,139 | $178 |
| Taylor | $1,801 | $150 |
| Trempealeau | $1,985 | $165 |
| Vernon | $1,993 | $166 |
| Vilas | $1,653 | $138 |
| Walworth | $1,865 | $155 |
| Washburn | $2,045 | $170 |
| Washington | $1,755 | $146 |
| Waukesha | $1,818 | $151 |
| Waupaca | $1,761 | $147 |
| Waushara | $1,807 | $151 |
| Winnebago | $1,697 | $141 |
| Wood | $1,866 | $156 |
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.
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: 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 Wisconsin homeowners insurance rates with other states
