Updated: January 8, 2026
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At $932 annually, Foremost offers Wisconsin's cheapest homeowners insurance rates.
Foremost, Chubb, Allstate, State Farm and USAA provide coverage 3% to 33% below Wisconsin's $1,386 average.
Bundle your home and auto insurance policies to save 10% to 25% on premiums — one of the biggest discounts Wisconsin insurers offer.
Foremost is the cheapest home insurance company in Wisconsin at $932 per year. Chubb ranks second, with an annual premium of $1,011, and provides coverage to all Wisconsin residents. The five most affordable insurers save you $38 to $454 compared to the state average.
| Foremost Insurance | $78 | $932 | -33% |
| Chubb | $84 | $1,011 | -27% |
| Allstate | $100 | $1,200 | -13% |
| State Farm | $113 | $1,359 | -2% |
| USAA | $119 | $1,423 | 3% |
*The rates above are for homeowners ages 41 to 60 with good credit and no claims history. Quotes are for a home built in 2000 insured for $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability coverage with a $1,000 deductible.
Our cost research shows Foremost offers the lowest premiums in six of seven categories, including $633 annually for newer homes, coverage for seniors and protection in high-risk fire zones. Chubb provides the best value for older homes at $933 per year. Foremost delivers Wisconsin's most budget-friendly home insurance for most property sizes and homeowner ages.
| Older Homes | Foremost Insurance | $945 |
| Newer Homes | Allstate | $853 |
| Young Homeowners | Chubb | $1,016 |
| Senior Homeowners | Chubb | $999 |
| High-Risk Fire Homes | Chubb | $1,133 |
| Smaller Homes | Allstate | $1,004 |
| Larger Homes | Chubb | $1,268 |
The cheapest company may not be your best fit. Customer service quality, coverage options and claims handling matter beyond price. Our guide to the best home insurance companies in Wisconsin compares insurers across these factors.
Risk factors differ by location, so insurers price policies differently across Wisconsin. Foremost offers the cheapest rates in Allenton and Madison, while Chubb provides lower rates in Fond Du Lac and Green Bay.
| Allenton | Foremost Insurance | $935 |
| Fond Du Lac | Chubb | $932 |
| Green Bay | Chubb | $848 |
| Madison | Foremost Insurance | $808 |
| Milwaukee | Foremost Insurance | $973 |
| Unity | Foremost Insurance | $935 |
Your coverage needs determine which insurer offers the best rate. Chubb provides the lowest premiums for basic coverage at $424 annually, while State Farm delivers the most affordable rates for mid-range and high-value homes. USAA becomes the cheapest option when you need premium $1 million dwelling and liability coverage.
| Chubb | $35 | $424 |
| Foremost Insurance | $35 | $424 |
| State Farm | $64 | $769 |
| Nationwide | $69 | $834 |
| USAA | $72 | $865 |
Wisconsin homeowners can cut their insurance costs by hundreds of dollars annually through discounts, higher deductibles and smart home improvements.
Combining your home and auto insurance with the same company saves 10% to 25% on both policies. State Farm, Allstate and Progressive all offer bundle discounts to Wisconsin homeowners.
Raise your deductible to lower your annual premium, though you'll pay more out of pocket when filing a claim. Choose a deductible amount you can afford if you need to file a claim.
Wisconsin allows insurers to use credit-based insurance scores when setting rates. Improving your credit score can save you hundreds of dollars annually on your home insurance premium.
Filing multiple claims within three years triggers rate increases. Use homeowners insurance for major losses rather than small repairs you can afford.
Contact your insurer to find all discounts you qualify for beyond bundling. Review your policy annually to add new discounts as your situation changes.
Frequently asked questions about the cheapest home insurance in Wisconsin:
Standard homeowners insurance in Wisconsin covers tornado damage to your home and belongings. Wisconsin faces moderate to high tornado risk, especially in southern and central areas, so this coverage is essential for protecting your property.
Wisconsin doesn't require flood insurance statewide, but mortgage lenders mandate it for homes in FEMA high-risk flood zones. Standard homeowners insurance excludes flood damage, so many Wisconsin residents buy flood coverage even without a lender requirement.
Replacement cost coverage pays to rebuild or replace damaged property at current prices. Actual cash value coverage subtracts depreciation from payouts, reducing your repair funds. Wisconsin lenders require replacement cost coverage to protect their investment.
Wisconsin homeowners can cancel their home insurance anytime without penalty and receive a prorated refund for unused premiums. Mortgage lenders require continuous coverage, so secure replacement insurance before canceling your current policy.
Our rate analysis reflects what most Wisconsin homeowners need: standard coverage for a typical single-family home built within the past 25 years.
We collected quotes from 15 major insurers using a consistent homeowner profile across Wisconsin. Keeping all variables identical shows how each company prices the same coverage. The base profile represents the most common home insurance scenario in Wisconsin — harsh winters, tornado risks and Great Lakes proximity create pricing factors insurers weigh differently.
Standard Coverage Profile
For specialty scenarios like older homes, high-fire-risk properties and homes of varying sizes, we adjusted variables from this base profile while keeping other factors constant. We tested rates across seven Wisconsin cities, including Milwaukee, Madison and Green Bay; urban theft rates versus rural emergency response times impact premiums differently.
These figures are estimates based on statewide averages. Your actual premium depends on your home's location, age, construction type and claims history. Wisconsin allows insurers to use credit-based insurance scores when setting rates, creating premium differences of several hundred dollars. Compare quotes from at least three insurers to find your lowest rate.
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.
