Updated: October 22, 2025
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Wisconsin homeowners pay an average of $1,172 annually for insurance in 2024, notably less than the national average of $2,423.
Beyond coverage amount, your credit rating plays a major role in determining premiums. The gap between the lowest and highest premium averages $1,849. If your rates recently increased, our analysis of the cheapest plans in the state can guide you to more affordable options. Your chosen insurance provider also affects premium costs.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 25, 2025
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Table of Contents
To establish the average cost of homeowners insurance in Wisconsin, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of home insurance in Wisconsin as of 2024.
Wisconsin's annual premium for homeowners insurance with $250K Dwelling / $125K Personal Property / $200K Liability coverage is $1,172. This amount is less than the national average of $2,423.
Selecting the right coverage amount ensures adequate protection. Your policy should reflect your home's rebuilding cost and cover personal property losses. Wisconsin policies offering $100K in dwelling coverage cost $678 annually. Homes requiring $500K in dwelling coverage see annual premiums rise to $2,013.
| $100K Dwelling / $50K Personal Property / $100K Liability | $678 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,172 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $2,013 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $2,867 |
Wisconsin homeowners insurance premiums vary among providers, even for similar coverage levels. A policy from Chubb costs less than the state average, while Foremost Insurance offers policies at higher price points.
Wisconsin has many top-notch providers, but underwriting differences create a range of premium costs. Compare options to find the best rate.
| Chubb | $1,030 |
| State Farm | $1,068 |
| Allstate | $1,085 |
| Auto-Owners Insurance | $1,095 |
| Nationwide | $1,134 |
| USAA | $1,229 |
| American Family | $1,267 |
| Foremost Insurance | $1,466 |
Wisconsin homeowners with poor credit pay an average of $2,777 for coverage, $1,605 more than the state average. Those with excellent credit pay an average annual premium of $928, $244 less than the average.
You may not improve your credit score immediately, but you can improve it over time to lower rates. Compare insurers to find the most savings. In less than 15 minutes, you'll find the most affordable insurers in Wisconsin for your needs.
| Poor | $2,777 |
| Below Fair | $2,044 |
| Fair | $1,529 |
| Good | $1,172 |
| Excellent | $928 |
Your roof type influences homeowners insurance premiums. Roofing materials like asphalt shingles impact your home's durability and risk profile. Wisconsin homes with more resilient tile roofs see slightly lower insurance costs than shake-treated roofs, which are more susceptible to weather-related damage.
Your home's construction type also affects insurance rates. Materials that make a home more fire-resistant can lower premiums. Wisconsin homes built with superior construction materials have lower insurance costs than standard frame construction, which is less damage-resistant.
Check the tables below to see how your home's materials affect insurance premiums.
| $100K Dwelling / $50K Personal Property / $100K Liability | $678 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,172 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $2,013 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $2,867 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $3,852 |
Wisconsin homeowners pay less to insure newly constructed homes than existing homes due to modern materials and adherence to current building codes. New homes average $740 annually, a $432 decrease from the state average for older homes. The table below shows how premiums vary between new and existing homes.
| Existing Construction (2000) | $1,172 |
| New Construction (2023) | $740 |
Wisconsin homeowners with no claims in the past five years pay an average of $1,172 annually. Those with one claim within the last five years see premiums increase to $1,402. Two claims in that period push the average yearly premium to $1,551.
| Claim free for 5+ years | $1,172 |
| 1 claim in past 5 years | $1,402 |
| 2 claims in past 5 years | $1,551 |
In Wisconsin, natural disasters like tornadoes and flooding pose a high risk to homeowners. While standard home insurance policies often cover tornado damage, you'll need separate flood insurance.
Across Wisconsin cities we analyzed, premiums range from $1,093 to $1,263. Green Bay homeowners pay an average of $1,093 annually, while Madison residents see an average of $1,123. Milwaukee's average premium is higher at $1,263.
Location affects insurance costs due to varying risks like weather patterns and crime rates. City-based premiums reflect local factors, but coverage amounts and credit ratings also influence costs.
| Green Bay | $1,093 |
| Madison | $1,123 |
| Milwaukee | $1,263 |
Getting a good deal on homeowners insurance in Wisconsin is within reach. By taking an intelligent approach to shopping, you can find a plan that fits your needs and budget. Remember, it's not just about the lowest price but the right coverage for your home. Here's how to find the best deal for you.
Assess your home's value and belongings to determine how much coverage you need.
Check and compare home insurance rates from different insurers online to find the best coverage for your unique needs.
Ask about bundles or safety discounts for possible savings.
Decide on a deductible that fits your budget.
Scrutinize insurers to ensure they have concrete claims and customer service reputations.
Purchase coverage that meets your needs.
Homeowners can save money by bundling home and auto insurance policies in Wisconsin. On average, a multi-policy bundle allows you to save around 12%, between $145 and $476 annually.
Wisconsin homeowners can capitalize on various insurance discounts to manage costs.
Remember, to unlock the full spectrum of discounts, inquire during the quote process.
In Wisconsin, Chubb offers the lowest average premium at $1,030. For more options, explore cheap national providers.
Yes, homeowners insurance in Wisconsin usually covers tornadoes.
Flood insurance isn't included in standard home policies. You can purchase it through the National Flood Insurance Program or a private flood insurer. Some home insurers offer it as an endorsement.
Credit rating is the biggest factor that impacts the price of homeowners insurance in Wisconsin, with a difference of $1,849 between excellent and poor scores.
Wisconsin residents save an average of 12% annually when bundling home and auto insurance.
When exploring homeowners insurance in Wisconsin, having reliable resources can make the process much easier. Whether you’re a first-time homeowner or reviewing your current policy, the links below provide useful information to help you make informed decisions:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
