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.
Average Home Insurance Cost in Wisconsin
Updated: June 3, 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?
You 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.
Get cost estimates for your zip code and coverage level with our free Wisconsin home insurance calculator below.
| 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:
Jun 10, 2026
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What Affects Average Wisconsin Home Insurance Costs?
Your 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 affects what you pay for home insurance.
| 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
American Family charges $1,932 per year, while Foremost costs $932 annually.
| 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
You pay between $810 and $4,303 per year for home insurance, depending on the coverage they choose. Higher coverage limits and lower deductibles push your premium up. A higher deductible paired with lower coverage limits can cut 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
Newer homes cost less to insure in Wisconsin. Homes built in 2020 average $996 per year, compared to $1,397 per year for homes built in 1980. That's a $401 annual difference. Insurers charge less for newer homes because modern building codes and updated systems lower the risk of claims.
| 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.
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
List everything you own to see how much personal property coverage makes sense.
- 2Research Costs and Discounts
Use MoneyGeek's Wisconsin home insurance calculator for quote estimates based on your address and home details.
- 3Compare Multiple Providers
Request quotes from at least 3 companies, and consider reviews.
- 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?
You don'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.
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.
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.
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 gathered real premium data from Wisconsin insurers to show how specific factors affect what homeowners actually pay, not just advertised starting rates.
Every estimate uses a standard profile: $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability, and a $1,000 deductible. The home was built in 2000 with frame construction, a composition roof, and has had no claims in the past five years.
Those specs reflect what's common across Wisconsin. The $250,000 dwelling figure tracks with median home values statewide, and the 2000 construction year captures the largest share of the state's housing stock.
To measure each factor's impact, we changed one variable at a time while keeping everything else the same. For home age, we compared 1980, 2000 and 2020 builds using the same coverage and owner profile across all three.
Your rate will differ based on your home's construction, roof condition, location, coverage choices, claims history, credit score, and insurer. Use these comparisons as a guide to understand which factors carry the most weight.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- NOAA. "Wisconsin Summary." Accessed January 5, 2026.
- US Census Bureau. "Quick Facts: Wisconsin." Accessed January 5, 2026.