How much is renters insurance in Wisconsin?

The average cost of renters insurance in Wisconsin is $153 a year, and the average monthly cost is $13. That's for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance may differ from your neighbours because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

"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 companies in Wisconsin

West Bend Mutual, Secura Insurance and Acuity A Mutual Ins Co are our best renters insurance companies in Wisconsin.

Rates differ widely between renters insurance providers, so it pays to shop around. But rates aren’t the entire picture. It’s also important to choose an insurance company with a good reputation so you know it will be there for you when you need it.

To help you choose the best renters insurance in Wisconsin, we reviewed rates and third-party ratings including complaint volume with the National Association of Insurance Commissioners (NAIC) and financial ratings from AM Best.

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.

Below is our list of best renters insurance companies in Wisconsin based on that analysis, with our score out of five.

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

West Bend Mutual is the cheapest renters insurance company in Wisconsin based on our rate analysis with an average annual premium of $79.

Renters insurance prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the cheapest renters insurance companies in Wisconsin and 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 affects how much you pay for renters insurance. The most expensive ZIP code in Wisconsin for renters insurance is 53216, where the average annual rate is $194 which is $41 more than the state average insurance premium.

On the other end of the spectrum, the least expensive ZIP code for renters insurance is 54226, with an average annual rate of $143.

The following table lists the least and most 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

Compare renters insurance rates by city in Wisconsin

Renters 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 renters insurance for your specific city in Wisconsin.

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 get cheap renters insurance in Wisconsin

There are a few things you can do to get cheaper renters insurance in Wisconsin:

Shop around. Not every Wisconsin renters insurance company offers the same rates or discounts. Shop around for the best price.
Ask about discounts. There are a lot of discounts available on renters insurance; one of the biggest is bundling your home and auto insurance, so ask for an auto quote at the same time.
Chose a higher deductible. Your deductible affects your premiums; higher deductibles mean lower rates. Just ensure you can afford the deductible if you have to pay it.

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.

Wisconsin renters insurance: FAQ

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 don’t need any renters insurance by law, but when buying a policy you should ensure you have enough personal property coverage to cover all of your personal property at replacement cost.