Best and cheapest renters insurance in Wisconsin

Best renters insurance companies in Wisconsin

When choosing the best renters insurance company in Wisconsin, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Wisconsin. Below is our list of best renters insurance companies in Wisconsin based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

Company	Average rating(out of 5)
American Family	4
State Farm	4
Allstate	3.5
Nationwide	3.5

Compare the best renters insurance companies in Wisconsin

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Wisconsin residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in Wisconsin. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $151.

The table below offers a detailed comparison of renters insurance companies in Wisconsin.

Company	J.D. Power Score	Average Annual Premium	AM Best Ratings
State Farm	844	$151	A++
American Family	856	$163	A
Allstate	835	$148	A+
Nationwide	852	$171	A+

How much is renters insurance in Wisconsin

Wisconsin residents pay an average of $148 a year for renters insurance, and the average monthly cost is $12. 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 will not be the same as a neighbor’s price 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	Average Monthly Premium
$148	$12

Most expensive ZIP codes in Wisconsin for renters insurance

Several factors affect your renters insurance coverage cost in Wisconsin, including your location and the coverage you buy. The most expensive ZIP code in Wisconsin for renters insurance is 53233, where the average annual rate is $190 which is $42 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in Wisconsin for renters insurance.

ZIP code	Average Annual Rate
53233	$190
53208	$188
53210	$187
53225	$184
53212	$183
53215	$182
53211	$179
53222	$175
53219	$173
53227	$172

Least expensive ZIP codes in Wisconsin for renters insurance

Renters insurance rates in Wisconsin are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Wisconsin is 54226, and its average annual rate is $138.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP code	Average Annual Rate
54226	$138
54202	$139
54130	$140
54126	$141
54301	$142
53020	$143
53821	$144
53036	$145
53546	$146
54449	$147

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

Cheap renters insurance in Wisconsin by company

There are a lot of companies offering renters insurance in Wisconsin. Among the carriers surveyed by Insurance.com, West Bend Mutual is the cheapest renters insurance company in Wisconsin; its average annual premium is $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 best cheap renters insurance companies in Wisconsin and their average annual premiums.

Company Name	Average Annual Premium
Secura Insurance	$134
Acuity A Mutual Ins Co	$144
Allstate	$148
State Farm	$151
American Family	$163
Wisconsin Mutual	$168
Nationwide	$171
Auto-Owners	$175
West Bend Mutual	$79

Methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions 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. Content was updated in 2023.