Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Wisconsin Average homeowners insurance cost in Wisconsin Homeowners insurance in Wisconsin costs $1,648 per year or $137 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in Wisconsin costs an average of $1,648 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in Wisconsin by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $1,648 a year, based on our analysis.Of all the ZIP codes in Wisconsin, 53081 has the most affordable home insurance rates at around $1,482 annually.In Wisconsin, West Bend Insurance Company provides the most affordable home insurance at an average annual premium of $1,053. Average home insurance cost in Wisconsin by coverage levelHomeowners insurance costs $1,648 a year in Wisconsin for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Wisconsin will increase to $2,023 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Wisconsin for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,262 $105 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,274 $106 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,648 $137 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,662 $138 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,023 $169 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,038 $170 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,694 $224 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,711 $226 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,067 $339 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,091 $341 Homeowners insurance companies in Wisconsin determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in WisconsinIt’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.We evaluated homeowners insurance providers in Wisconsin by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, West Bend Insurance Company received the lowest NAIC score and an AM Best rating of A+. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreWest Bend Insurance Company$1,053A+0.425Secura Insurance$1,435A0.144.99Acuity Insurance$1,765A+0.394.31Auto-Owners$1,934A++0.334.3Farmers$1,784A0.543.95Allstate$1,305A+0.93.93State Farm$1,484A++0.953.75Nationwide$1,552A+0.873.72American Family$2,347A0.373.65Average homeowners insurance cost by company in WisconsinWest Bend Insurance Company has the cheapest homeowners insurance rates in Wisconsin. Its average annual cost for Wisconsin homeowners is $1,053. Allstate and Secura Insurance also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Wisconsin with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateWest Bend Insurance Company$1,053$88Allstate$1,305$109Secura Insurance$1,435$120State Farm$1,484$124Nationwide$1,552$129Acuity Insurance$1,765$147Farmers$1,784$149Auto-Owners$1,934$161American Family$2,347$196USAA$1,658$138Wisconsin homeowners insurance rates by ZIP codeIn Wisconsin, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Wisconsin. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in WisconsinNot every area in Wisconsin has the same home insurance cost. How much you pay for homeowners insurance in Wisconsin depends on many factors, including your ZIP code. Our data shows that 53081 ZIP has low-cost home insurance rates in Wisconsin, at about $1,482 a year or $123 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Wisconsin.ZIP codeAverage annual rateAverage monthly rate53081$1,482$12354234$1,489$12453073$1,492$12454202$1,494$12454210$1,496$12554313$1,498$12553070$1,501$12553083$1,502$12553085$1,504$12554246$1,505$125Most expensive ZIP codes for home insurance rates in WisconsinYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Wisconsin, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Wisconsin, 54028 has the highest homeowners insurance rates, at $1,894 per year.Here, we’ve highlighted some of the most expensive ZIP codes in Wisconsin for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate54028$1,894$15854020$1,893$15854002$1,889$15754750$1,881$15754014$1,880$15754767$1,877$15654011$1,875$15654010$1,871$15654723$1,870$15654023$1,869$156Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Wisconsin by cityGreen BayKenoshaMadisonMilwaukeeHome insurance rate trend in WisconsinWe analyzed home insurance rate trends in Wisconsin and found that homeowners insurance rates experienced an overall increase of 10% or $153, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,441$1,495$1,648To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Wisconsin.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Wisconsin Average renters insurance cost in Wisconsin Average car insurance cost in Wisconsin Non-owner auto insurance in Wisconsin How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles How to prevent tornado damage By Ashlee Tilford Does homeowners insurance cover code upgrades? By Nupur Gambhir Mobile home insurance cost and coverage in 2025 By Chris Kissell Homeowners insurance rates by state in 2025 By Jake Safane The 10 costliest wildfires By Zack Sigel How to prepare for a hurricane By Kara McGinley On this page Average home insurance cost in Wisconsin by coverage levelBest homeowners insurance companies in WisconsinAverage homeowners insurance cost by company in WisconsinWisconsin homeowners insurance rates by ZIP codeHome insurance rate trend in WisconsinResources & methodology ZIP Code Please enter valid ZIP See rates