Wisconsin homeowners can find the cheapest home insurance rates from Erie, followed by Wisconsin Mutual and Secura. Although Wisconsin home insurance rates are significantly lower than the national average, it's still in your best interest to find the best coverage at the lowest price. This guide can help you get a clear view of your options.
In this article
What are Wisconsin's cheapest home insurance companies?
Erie has the most affordable home insurance in Wisconsin, at $69 a month. Wisconsin Mutual is next, at $78, then Secura at $81.
| Company | Average monthly premium |
|---|---|
| Erie | $69 |
| Wisconsin Mutual | $78 |
| Secura | $81 |
| West Bend | $93 |
| USAA | $101 |
| Auto-Owners | $104 |
| Travelers | $108 |
| State Farm | $111 |
| American Family | $124 |
| Allstate | $129 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does home insurance cost in Wisconsin?
Wisconsin home insurance costs $100 a month, on average. That's 37% less than the national average home insurance rate of $159 a month.
Home insurance companies consider various factors when calculating your quote, including:
- Your ZIP code
- The age of your home
- Construction materials used
- Your insurance claim history
Each provider has a different price for similar policies because they assign different risk values to various factors. For example, one insurer may consider the age of your home to be a bigger risk than another company. The more providers you consider, the better chance of finding the best combination of price and coverage. For this reason, compare home insurance quotes from multiple providers.
The deductible you choose also has an effect on your home insurance rate. The higher the deductible, the lower your premium. The table below shows average annual rates based on different deductible amounts.
| Deductible | Average annual premium |
|---|---|
| $500 | $1,323 |
| $1,000 | $1,196 |
| $1,500 | $1,139 |
| $2,000 | $1,090 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The amount of dwelling coverage you choose also affects your final rate. Purchase enough dwelling coverage to rebuild your home after a total loss. The table below shows average Wisconsin home insurance rates based on different dwelling coverage amounts.
| Dwelling coverage | Average annual premium | Average monthly premium |
|---|---|---|
| $200,000 | $995 | $83 |
| $350,000 | $1,422 | $119 |
| $425,000 | $1,648 | $137 |
| $500,000 | $1,867 | $156 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Find the best home insurance for you in Wisconsin
Best homeowners insurance companies in Wisconsin
Erie has the best prices for home insurance in Wisconsin. Secura is the best for cheaper-than-average rates and financial strength.
Erie: Best rates
$903 a year
$1,335
Cheapest average rates available in Wisconsin.
Guaranteed replacement cost coverage.
.001 NAIC Complaint Index rating.
Need to contact an agent to get a quote.
Secura: Best for cheap rates and financial strength
$1,120
A (Excellent)
24/7 customer service.
Multiple discounts.
Strong financial stability
No mobile app.
Bundled policies only; home and auto insurance policies not available separately
Cheapest home insurance in Wisconsin by city
Of the 10 biggest cities in Wisconsin, Green Bay has the cheapest average home insurance rate, at $1,158 a year. Eau Claire has the highest average rate of $1,387 a year.
| City | Average annual premium |
|---|---|
| Green Bay | $1,158 |
| Appleton | $1,209 |
| Oshkosh | $1,223 |
| Madison | $1,233 |
| West Allis | $1,261 |
| Racine | $1,261 |
| Kenosha | $1,261 |
| Janesville | $1,297 |
| Milwaukee | $1,365 |
| Eau Claire | $1,387 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Green Bay
Erie is the cheapest home insurance company in Green Bay, at $648 a year, followed by Wisconsin Mutual, at $893 a year. The average annual rate for home insurance in Green Bay is $1,158.
| Company | Average annual premium |
|---|---|
| Erie | $648 |
| Wisconsin Mutual | $893 |
| Auto-Owners | $1,051 |
| Travelers | $1,062 |
| Secura | $1,090 |
| West Bend | $1,136 |
| State Farm | $1,193 |
| USAA | $1,220 |
| American Family | $1,464 |
| Allstate | $1,821 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Appleton
Erie is the cheapest home insurance company in Appleton, at $609 a year, followed by Wisconsin Mutual, at $994 a year. The average annual rate for home insurance in Appleton is $1,209.
| Company | Average annual premium |
|---|---|
| Erie | $609 |
| Wisconsin Mutual | $994 |
| Secura | $1,114 |
| State Farm | $1,146 |
| West Bend Mutual | $1,157 |
| Auto-Owners | $1,167 |
| USAA | $1,185 |
| American Family | $1,484 |
| Travelers | $1,523 |
| Allstate | $1,711 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Oshkosh
Erie is the cheapest home insurance company in Oshkosh, at $750 a year, followed by Wisconsin Mutual, at $893 a year. The average annual rate for home insurance in Oshkosh is $1,223.
| Company | Average annual premium |
|---|---|
| Erie | $750 |
| Wisconsin Mutual | $893 |
| Secura | $1,114 |
| West Bend Mutual | $1,181 |
| USAA | $1,186 |
| Auto-Owners | $1,203 |
| State Farm | $1,305 |
| American Family | $1,478 |
| Travelers | $1,518 |
| Allstate | $1,606 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Wisconsin's cheapest home insurance by county
Of the 10 biggest counties in Wisconsin, Brown County has the cheapest average home insurance rate of $1,174 a year. Rock County is the most expensive, at $1,321 a year.
| County | Average annual premium |
|---|---|
| Brown | $1,174 |
| Waukesha | $1,219 |
| Outagamie | $1,221 |
| Dane | $1,237 |
| Racine | $1,260 |
| Winnebago | $1,262 |
| Marathon | $1,267 |
| Kenosha | $1,306 |
| Milwaukee | $1,314 |
| Rock | $1,321 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Frequently asked questions
Wisconsin home insurance costs $100 a month, on average, which is 37% less than the national average.
Erie has the cheapest rate for home insurance, at $69 a month. That's 31% cheaper than the average rate in Wisconsin..
Methodology
We collected quotes from every ZIP code in Wisconsin for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling coverage (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
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