Best and cheapest homeowners insurance in Wisconsin for 2024

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.

Best home insurance companies in Alaska

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Best home insurance in Wisconsin
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.

Cheapest home insurance in Wisconsin
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 by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

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

Read our methodology

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 Insurance

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

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.

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Average annual premium

$1,523

$1,882

County	Average annual premium	Average monthly premium
Adams	$1,703	$142
Ashland	$1,651	$138
Barron	$1,793	$149
Bayfield	$1,679	$140
Brown	$1,535	$128
Buffalo	$1,773	$148
Burnett	$1,828	$152
Calumet	$1,559	$130
Chippewa	$1,708	$142
Clark	$1,667	$139
Columbia	$1,669	$139
Crawford	$1,813	$151
Dane	$1,615	$135
Dodge	$1,576	$131
Door	$1,524	$127
Douglas	$1,758	$146
Dunn	$1,799	$150
Eau Claire	$1,711	$143
Florence	$1,545	$129
Fond Du Lac	$1,568	$131
Forest	$1,531	$128
Grant	$1,806	$151
Green	$1,719	$143
Green Lake	$1,622	$135
Iowa	$1,749	$146
Iron	$1,642	$137
Jackson	$1,719	$143
Jefferson	$1,590	$133
Juneau	$1,724	$144
Kenosha	$1,689	$141
Kewaunee	$1,552	$129
La Crosse	$1,718	$143
Lafayette	$1,793	$149
Langlade	$1,546	$129
Lincoln	$1,565	$130
Manitowoc	$1,573	$131
Marathon	$1,588	$132
Marinette	$1,564	$130
Marquette	$1,701	$142
Menominee	$1,588	$132
Milwaukee	$1,696	$141
Monroe	$1,723	$144
Oconto	$1,568	$131
Oneida	$1,562	$130
Outagamie	$1,559	$130
Ozaukee	$1,588	$132
Pepin	$1,844	$154
Pierce	$1,882	$157
Polk	$1,859	$155
Portage	$1,637	$136
Price	$1,630	$136
Racine	$1,647	$137
Richland	$1,758	$146
Rock	$1,661	$138
Rusk	$1,697	$141
Sauk	$1,709	$142
Sawyer	$1,712	$143
Shawano	$1,560	$130
Sheboygan	$1,523	$127
St. Croix	$1,873	$156
Taylor	$1,618	$135
Trempealeau	$1,762	$147
Vernon	$1,779	$148
Vilas	$1,568	$131
Walworth	$1,670	$139
Washburn	$1,821	$152
Washington	$1,582	$132
Waukesha	$1,607	$134
Waupaca	$1,607	$134
Waushara	$1,637	$136
Winnebago	$1,565	$130
Wood	$1,663	$139

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.

City	Annual insurance premium
Madison	$1,215
Menomonee Falls	$1,248
Oshkosh	$1,181
Portage	$1,258
Sheboygan	$1,142
Sun Prairie	$1,210

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.