Renters insurance in Wisconsin: Cost, best companies and how to save

What is the average cost of renters insurance in Wisconsin?

The average cost of renters insurance in Wisconsin is $153 per year. Rates vary depending on factors like your location, the amount of coverage you choose, your deductible, and your claims history.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premium	$153
Average monthly premium	$13

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Best renters insurance company in Wisconsin: West Bend Mutual

Among the carriers surveyed, West Bend Mutual is the best renters insurance company in Wisconsin, with a top score and an average renters insurance rate of $79.

Secura Insurance and Acuity A Mutual Ins Co are the other best insurance companies for renters insurance in Wisconsin.

Renters insurance rates vary significantly among providers, so you should compare options before choosing. You should also select a company with a good reputation to ensure it will be there if you have a claim.

To help you find the best renters insurance in Wisconsin, we evaluated average rates, NAIC complaints ratio, and AM Best financial ratings. We calculated the total Insurance.com score out of five using these factors.

Here are the best renters insurance companies in Wisconsin.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
West Bend Mutual	$79	A+	0.42	5
Secura Insurance	$134	A	0.14	4.77
Acuity A Mutual Ins Co	$143	A+	0.39	4.33
Auto-Owners	$175	A++	0.33	4.14
Wisconsin Mutual	$193	A	0.19	4.01
American Family	$199	A	0.37	3.65
Allstate	$148	A+	0.9	3.42
Nationwide	$180	A+	0.87	3.1
State Farm	$131	A++	0.95	2.9

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Cheapest renters insurance in Wisconsin

Our analysis shows that West Bend Mutual is the cheapest renters insurance company in Wisconsin, with an average annual premium of $79.

Renters insurance rates can differ greatly between providers, so it's best to compare quotes to find affordable coverage that meets your needs.

Here is the list of the cheapest renters insurance companies in Wisconsin along with their average annual premiums.

Company name	Average annual premium
West Bend Mutual	$79
State Farm	$131
Secura Insurance	$134
Acuity A Mutual Ins Co	$143
Allstate	$148
Auto-Owners	$175
Nationwide	$180
Wisconsin Mutual	$193
American Family	$199

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Wisconsin renters insurance: The least and most expensive ZIP codes

Where you live in Wisconsin directly affects the cost of your renters insurance. The most expensive ZIP code in Wisconsin is 53216, where the average annual premium is $194. This is $41 more than higher than the average rate.

In contrast, the least expensive ZIP code for renters insurance is 54226, offering coverage at $143 a year.

The table below shows the most and least expensive ZIP codes in Wisconsin for renters insurance.

Best home insurance companies in Texas

Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
53216	$194
53208	$193
53210	$191
53202	$190
53225	$189
53212	$187
53224	$186
53222	$185
53211	$184
53207	$182

ZIP code	Average annual rate
54226	$143
53403	$161
53142	$162
53402	$163
53144	$164
53110	$165
53404	$166
53140	$167
53217	$169
53209	$170

Renters insurance cost in Wisconsin by city

In Wisconsin, renters insurance rates vary across cities due to factors such as weather risks, crime rates, and other factors. To get the best deal in your city, Compare quotes from several insurers before selecting a policy, so they weigh each factor differently.

City	Annual insurance premium
Appleton	$140
Eau Claire	$149
Green Bay	$145
Janesville	$146
Kenosha	$162
Madison	$144
Milwaukee	$182
Oshkosh	$143
Waukesha	$153

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How to save on renters insurance in Wisconsin

There are several easy ways to lower the cost of renters insurance in Wisconsin without losing necessary coverage:

Bundle your policies. Many insurance companies offer a discount if you buy renters and auto insurance together.
Increase your deductible. Choosing a higher deductible will lower your monthly or yearly premium; just ensure you can afford it.
Ask about discounts. Most providers offer savings for things like smoke alarms, security systems, or being claims-free.
Compare quotes. Prices can vary widely between companies, so getting quotes from multiple insurers can help you find the best deal.
Pay annually. Some insurers offer a small discount if you pay once a year instead of monthly.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

FAQ: Wisconsin renters insurance

Do I need renters insurance in Wisconsin?

Renters insurance isn't required by law, but your landlord may require you to purchase a policy as part of your lease agreement.

How much renters insurance do I need in Wisconsin?

You should make sure your personal property coverage is sufficient to replace all of your belongings at replacement cost; there is no minimum requirement.