Wisconsin homeowners pay an average of $1,386 annually for home insurance, 60% below the national average of $3,467. Understanding what drives these costs and how to reduce them further helps you secure affordable coverage that protects your investment.
Average Home Insurance Cost in Wisconsin
Updated: January 6, 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 22, 2026
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What Affects Average Wisconsin Home Insurance Costs?
Wisconsin home insurance costs vary based on multiple factors. Your location, coverage limits, home construction materials, insurance company, credit score and previous claims all impact your premium. Each of these elements plays a distinct role in determining what you'll pay for coverage.
Average Wisconsin Home Insurance Cost by City
Wisconsin homeowners pay different rates depending on where they live. Green Bay offers the most affordable coverage at $1,290 per year, while Unity has the highest costs at $1,492 annually. The difference between the cheapest and most expensive cities amounts to just $202 per year, showing relatively consistent pricing statewide.
| 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
Insurance company choice affects home insurance costs in Wisconsin. American Family charges an average of $1,932 annually, while Foremost Insurance costs just $932 per year. That means the most expensive provider costs over two times more than the most affordable option.
| 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.
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
Calculate your home's replacement cost based on today's construction prices, not market value. Take inventory of belongings to determine personal property coverage needs. Wisconsin homeowners in areas like Milwaukee should consider add-ons such as water backup coverage for basement flooding or increased replacement cost coverage for older homes that may exceed standard limits.
- 2Research Costs and Discounts
Use MoneyGeek's Wisconsin home insurance calculator to generate personalized quote estimates based on your location and home details. Ask insurers about available discounts when getting quotes. Many companies offer savings for security systems, newer homes, claim-free records and protective devices like smoke detectors or storm shutters, which can reduce premiums.
- 3Compare Multiple Providers
Gather quotes from at least three insurance companies to ensure competitive pricing. Don't focus solely on premiums — review customer satisfaction ratings, claims service quality and financial strength scores. A cheaper rate from Green Bay insurers may not provide value if the company has poor claims processing or customer service records.
- 4Bundle Home and Auto
Combine your home and auto insurance with the same provider to reduce rates on both policies. Wisconsin homeowners save 10% to 25% through bundling discounts. Madison residents and those in Dane County often find the most competitive bundled rates by comparing major insurers that offer substantial multi-policy discounts in the state.
- 5Lower Your Risk Profile
Install safety features like smoke detectors, security systems or storm shutters to qualify for premium reductions. Maintaining a claim-free record saves $220 to $406 annually compared to filing claims. Improving credit from below fair to good saves about 24% on Wisconsin premiums. Pay bills on time and reduce debt to boost your credit score.
Calculate Wisconsin Homeowners Insurance Costs: FAQ
Wisconsin homeowners insurance costs depend on many factors specific to your home and location. These FAQs address common questions about coverage options and pricing to help you understand potential expenses in the state.
Does Wisconsin require home insurance?
Wisconsin doesn't legally require home insurance, but mortgage lenders mandate coverage until you pay off your loan. Once you own your home outright, you can drop insurance, though this leaves you financially exposed to damage, theft and 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.
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 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.