Wisconsin homeowners pay $1,386 per year for home insurance on average, which is 60% less than the $3,467 national average. Learn what affects your rates and how to lower them so you can protect your investment without overpaying.
Average Home Insurance Cost in Wisconsin
Updated: January 23, 2026
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Key Takeaways: Wisconsin Home Insurance Rates
Wisconsin homeowners pay an average of $115 monthly or $1,386 annually for home insurance, ranking as one of the most affordable states nationwide.
Determine your coverage needs, gather multiple quotes and research providers to find the best home insurance in Wisconsin that fits your budget.
MoneyGeek's free home insurance calculator helps you estimate costs in seconds without providing any personal information.
How Much Is Home Insurance in Wisconsin?
Wisconsin homeowners pay an average home insurance premium of $115 monthly or $1,386 annually. That's $173 less per month than the national average, making Wisconsin one of the most affordable states for coverage. The state ranks 44th nationally for home insurance costs.
| Wisconsin | $1,386 | $3,467 | -60% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
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$220
High
$144
Average
$104
Low
Rates updated:
Jan 24, 2026
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What Affects Average Wisconsin Home Insurance Costs?
Your Wisconsin home insurance premium depends on several things: where you live, how much coverage you buy, what your home is made of, which insurer you choose, your credit score and your claims history. Each factor affects your rate differently.
Average Wisconsin Home Insurance Cost by City
Where you live in Wisconsin affects what you pay for home insurance. Green Bay has the lowest rates at $1,290 per year, while Unity has the highest at $1,492 annually. The $202 gap between cheapest and most expensive cities shows rates stay fairly consistent across the state.
| Allenton | $113 | $1,354 |
| Fond Du Lac | $109 | $1,312 |
| Green Bay | $108 | $1,290 |
| Madison | $112 | $1,344 |
| Milwaukee | $123 | $1,476 |
| Unity | $124 | $1,492 |
Average Cost of Wisconsin Home Insurance by Company
Your choice of insurer matters in Wisconsin. American Family charges an average of $1,932 per year, while Foremost Insurance costs just $932 annually. The most expensive provider costs more than double the cheapest.
| Foremost Insurance | $78 | $932 |
| Chubb | $84 | $1,011 |
| Allstate | $100 | $1,200 |
| State Farm | $113 | $1,359 |
| USAA | $119 | $1,423 |
| Nationwide | $131 | $1,576 |
| Auto-Owners Insurance | $138 | $1,651 |
| American Family | $161 | $1,932 |
Average Wisconsin Homeowners Insurance Pricing by Coverage Level
Wisconsin homeowners pay between $810 and $4,303 annually for home insurance, depending on their coverage selections. Choosing higher coverage limits or lower deductibles increases your premium costs. Selecting lower coverage amounts and higher deductibles helps reduce what you pay each year.
| $100K Dwelling / $50K Personal Property / $100K Liability | $68 | $810 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $115 | $1,386 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $192 | $2,308 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $269 | $3,234 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $359 | $4,303 |
Wisconsin Homeowners Insurance Costs by House Age
Wisconsin homeowners save money by insuring newer properties. Annual premiums start at $996 for homes built in 2020 compared to $1,397 for 1980 construction. The age gap creates a $401 annual difference. Insurers charge less for newer homes because modern building codes and updated systems reduce claim risks.
| Newer | $83 | $996 |
| Middle Age | $115 | $1,386 |
| Older | $116 | $1,397 |
Average Wisconsin Home Insurance Cost by Credit Score
Wisconsin insurers adjust premiums based on creditworthiness. Annual costs range from $875 for excellent credit to $2,469 for poor credit, nearly triple the lowest rate. Good credit scores keep premiums at $1,386 annually, while below-fair credit increases costs to $1,835. Pay bills on time and reduce debt to qualify for better rates.
| Excellent | $73 | $875 |
| Good | $115 | $1,386 |
| Below Fair | $153 | $1,835 |
| Poor | $206 | $2,469 |
Why Is Home Insurance So Affordable in Wisconsin?
Wisconsin homeowners enjoy some of the nation's lowest insurance costs, with annual premiums averaging $1,386 compared to the $3,467 national average. Several state-specific factors contribute to these affordable rates.
Moderate Home Values
As of 2024, the U.S. Census Bureau reports that the state's median home price is approximately $247,400, well below the national median of $303,400. Lower property values mean insurers have smaller potential payouts, translating to more affordable premiums for homeowners.
Lower Natural Disaster Frequency
Wisconsin experiences fewer catastrophic natural disasters than coastal or southern states. While the state experiences hailstorms and tornadoes, it avoids wildfires and earthquakes that drive up costs in other regions. According to the National Oceanic and Atmospheric Administration, Wisconsin experiences 1.4 severe weather events per year on average.
Strong Building Codes and Construction Standards
Wisconsin enforces modern building codes that reduce claim likelihood. Updated electrical systems, improved roofing materials and enhanced structural requirements in newer homes minimize weather damage and maintenance issues.Â
These standards lower insurers' risk exposure, particularly for properties built after 2000, contributing to the state's below-average premiums.
Tips to Save on Wisconsin Home Insurance
Even in Wisconsin's affordable market, smart strategies can reduce your premiums further. You can find the cheapest home insurance in Wisconsin using these practical tips.
- 1Calculate Coverage Needs
Find out what it would cost to rebuild your home at today's prices, not what you'd get if you sold it. List everything you own to see how much personal property coverage makes sense. If you live near Milwaukee, consider adding water backup coverage for basement floods or extra replacement cost coverage. Older homes often cost more to rebuild than basic policies will pay.
- 2Research Costs and Discounts
Use MoneyGeek's Wisconsin home insurance calculator for quote estimates based on your address and home details. When you call for quotes, ask what discounts apply to you. Insurers knock money off for security systems, newer construction, clean claims records and safety gear like smoke detectors or storm shutters.
- 3Compare Multiple Providers
Request quotes from at least three companies. Don't just chase the lowest price. Check how satisfied customers are, how well they handle claims and whether they're financially stable. That cheap Green Bay quote won't matter when the company takes forever to process your claim or you can't get anyone on the phone.
- 4Bundle Home and Auto
Buy your home and auto coverage from the same company to lower both bills. Wisconsin homeowners usually save 10% to 25% this way. Madison and Dane County residents often get the biggest bundling discounts by shopping the major insurers operating statewide.
- 5Lower Your Risk Profile
Add smoke detectors, security systems or storm shutters to trim your premium. Avoid filing claims and you'll save $220 to $406 annually. Raise your credit score from below fair to good and you'll cut about 24% off your Wisconsin premium. Pay bills on time and chip away at debt to build better credit.
Calculate Wisconsin Homeowners Insurance Costs: FAQ
Your Wisconsin homeowners insurance costs depend on your home's details and where you live. These FAQs answer common questions about coverage and pricing in the state.
Does Wisconsin require home insurance?
Wisconsin doesn't require home insurance by law, but your mortgage lender does until you pay off the loan. Once you own your home free and clear, you can drop coverage. Just know you'll be on the hook financially for any damage, theft or liability claims.
What discounts are available for Wisconsin homeowners?
Wisconsin insurers offer multiple discount opportunities, including bundling home and auto policies (10% to 25% savings), security systems (5% to 15%), new home discounts (up to 20%), claim-free records and protective devices like smoke detectors or storm shutters.Â
Some providers also offer discounts for senior citizens, military members and long-term customers.
How much will my premium increase after filing a claim in Wisconsin?
Filing a claim in Wisconsin increases your premium by $221 for one claim and $406 for two claims compared to claim-free customers. Wisconsin homeowners without claims pay $1,386 annually on average.Â
One claim raises your rate to $1,606 per year. Two claims bump your annual premium to $1,792. Claims remain on your record for five years, meaning you'll face these higher rates throughout that entire period.
How much can I save by choosing a different insurer in Wisconsin?
The price differences between insurers are large: Foremost Insurance offers the cheapest rates at $932 per year, while American Family charges $1,932 annually for similar coverage.
Even mid-tier providers show important gaps. State Farm costs $1,359 per year compared to USAA's $1,423, creating a $64 annual difference. Compare quotes from at least three insurers to find the best rate for your situation.
Why does home insurance cost more for older homes in Wisconsin?
Older homes in Wisconsin cost about 40% more to insure than newer properties. A home built in 1980 averages $1,397 annually, while a newer home built in 2020 costs around $996 per year. That's a $401 difference. Middle-aged homes from 2000 fall between these at $1,386 annually.
Insurance companies charge higher premiums for older properties because of aging electrical systems, plumbing and roofing, which are more likely to fail and trigger claims.
How We Analyzed Wisconsin Home Insurance Rates
MoneyGeek calculated Wisconsin home insurance estimates using real premium data to show how specific factors affect your costs. This approach goes beyond basic advertised rates to reveal what you'll actually pay.
Our analysis uses a standard homeowner profile: $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage, and a $1,000 deductible. The model assumes a home built in 2000 with frame construction, a composition roof, and no claims filed in the past five years.
We selected these specifications because they match typical Wisconsin homeowners. The $250,000 dwelling coverage aligns with median home values across Wisconsin markets. The 2000 construction year represents middle-aged homes, which make up the largest segment of the state's housing stock.
Our methodology isolated the impact of each factor by changing one variable while keeping all others constant. For example, when testing how home age affects premiums, we compared houses built in 1980, 2000, and 2020 with identical coverage and owner characteristics.
Your actual premiums will vary depending on your home's construction, roof condition, location, coverage amounts, claims history, credit score, and chosen insurer. These rate comparisons show how much each factor influences your final cost.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- NOAA. "Wisconsin Summary." Accessed January 5, 2026.
- US Census Bureau. "Quick Facts: Wisconsin." Accessed January 5, 2026.