- Best home insurance companies in Wisconsin: Auto-Owners
- Cheapest home insurance companies in Wisconsin: West Bend Mutual
- Average home insurance cost in Wisconsin
- Wisconsin home insurance rates by ZIP code
- Compare homeowners insurance rates by city in Wisconsin
- Home insurance FAQs
- Compare homeowners insurance rates with other states
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 Insurance.com score is calculated out of five using these factors.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| Auto-Owners | A++ | 0.37 | 4.40 | $1,945 |
| State Farm | A++ | 0.83 | 4.25 | $1,496 |
| Nationwide | A+ | 1.05 | 3.41 | $1,575 |
| Allstate | A+ | 1.46 | 3.22 | $1,332 |
| Farmers | A | 0.67 | 3.00 | $1,815 |
| American Family | A | 0.80 | 2.95 | $2,359 |
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.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| West Bend Mutual | $818 | $1,063 | $1,330 | $1,849 | $2,977 |
| Allstate | $1,178 | $1,332 | $1,509 | $1,904 | $2,760 |
| Secura Insurance | $1,053 | $1,451 | $1,795 | $2,539 | $3,921 |
| State Farm | $1,157 | $1,496 | $1,764 | $2,451 | $3,691 |
| Nationwide | $1,167 | $1,575 | $2,015 | $3,112 | $5,780 |
| USAA* | $1,319 | $1,658 | $1,942 | $2,459 | $3,386 |
| Acuity Insurance | $1,177 | $1,780 | $2,363 | $3,153 | $4,842 |
| Farmers | $1,295 | $1,815 | $2,379 | $3,188 | $4,638 |
| Auto-Owners | $1,577 | $1,945 | $2,322 | $2,785 | $4,873 |
| American Family | $1,845 | $2,359 | $2,902 | $3,956 | $5,604 |
*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 1,662 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 TexasMost & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
| ZIP Code | City | Highest Rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
Least expensive
| ZIP Code | City | Lowest Rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
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 code | Average annual rate |
|---|---|
| 54028 | $1,907 |
| 54020 | $1,906 |
| 54002 | $1,903 |
| 54750 | $1,895 |
| 54009 | $1,894 |
| 54014 | $1,894 |
The least expensive ZIP codes in Wisconsin for home insurance
The cheapest ZIP codes for home insurance in Wisconsin are:
| ZIP code | Average annual rate |
|---|---|
| 53081 | $1,495 |
| 54234 | $1,502 |
| 53073 | $1,505 |
| 54311 | $1,507 |
| 54202 | $1,507 |
| 54210 | $1,509 |
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.Compare homeowners insurance rates by city in Wisconsin
City Annual insurance premium
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.
Compare homeowners insurance rates with other states
Helpful home insurance tools and calculators
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