Chubb is the cheapest home insurance option for most homeowners in Wisconsin, with an average monthly savings of $410. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in Wisconsin
Updated: May 27, 2025
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Key Takeaways
Allstate offers the cheapest homeowners insurance in Wisconsin if you own a new home, while Nationwide is best for people with bad credit.
Customers can find savings of up to 84% from the cheapest overall providers in Wisconsin: Allstate, Nationwide and Chubb.
If you live in a high-fire-risk area, Chubb is the cheapest provider for home insurance in Wisconsin.
What is the Cheapest Home Insurance in Wisconsin?
| Chubb | $89 | $1,067 | 17% |
| Allstate | $92 | $1,107 | 14% |
| Foremost Insurance | $98 | $1,175 | 9% |
| State Farm | $114 | $1,363 | -6% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
Price is important to consider for home insurance, however it's also useful to know about a company's customer service reputation and coverage options. To help, we've created a separate guide to the best home insurance companies in Wisconsin, giving you more information to make the best decision for your situation.
Cheapest Wisconsin Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Allstate is typically the cheapest overall, Allstate offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| Chubb | Older Homes | $89 |
| Allstate | Newer Homes | $51 |
| Chubb | Homes in High Risk Fire Areas | $89 |
| Nationwide | Bad Credit | $198 |
*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap Wisconsin Home Insurance
The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age:Older Homes
| Chubb | $89 | $1,067 |
| Foremost Insurance | $101 | $1,216 |
| Allstate | $111 | $1,332 |
| State Farm | $114 | $1,363 |
| Auto-Owners Insurance | $119 | $1,424 |
Cheapest Wisconsin Home Insurance By City
Risk factors for insurers vary by location, making some providers more affordable than others. For example, Chubb is the cheapest in Green Bay and Madison, while Foremost Insurance offers lower rates in Milwaukee. Understanding these differences can help residents find the best deals in their city.
| Green Bay | Chubb | $71 |
| Madison | Chubb | $69 |
| Milwaukee | Foremost Insurance | $84 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest Wisconsin Home Insurance for You
Finding affordable home insurance in Wisconsin can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
It's easy to get oversold on coverage when you don't have limits in mind before buying. Determine your home insurance coverage needs beforehand to avoid purchasing too much. Understanding the different types of home protection available helps ensure you don't miss something important.
- 2
Research home insurance cost information
Research home insurance costs in Wisconsin for your profile and available discounts to understand what qualifies as affordable. When ready to buy, ask agents directly about all discounts you may qualify for, as insurers won't apply them automatically.
- 3
Bundle your policies
Reduce your insurance expenses through bundling home and car coverage in Wisconsin.
- 4
Compare multiple companies apples to apples
Once you know your coverage levels and type, compare quotes from different companies for that coverage to get the best deal. We recommend gathering as many quotes as possible using different methods to get your best rate.
Cheap Home Insurance Wisconsin: Bottom Line
Chubb, Allstate, and Foremost Insurance are typically Wisconsin's most affordable home insurance options. If you're denied coverage, state programs offer low-cost policies. Still, compare multiple companies, research costs, and identify your coverage needs before deciding.
Cheapest Home Insurance Wisconsin: FAQ
Below are answers to common questions about the cheapest home insurance in Wisconsin:
What is the cheapest home insurance company in Wisconsin?
Allstate offers the lowest rates for newer homes in Wisconsin at $51 per month or $609 per year. However, homeowners with older properties or higher fire protection needs may find better rates with Chubb or Nationwide.
How expensive is home insurance in Wisconsin?
Wisconsin has the 44th-highest home insurance rates in the U.S.
How much is home insurance in Wisconsin?
The amount of home insurance you need is enough to rebuild your home, cover your belongings, and protect against specific risks in your area.
Home insurance is not obligatory unless required by your mortgage lender, who will insist on sufficient dwelling coverage for total loss. Additional coverage should match the worth of your personal items and account for local hazards and irreplaceable assets.
How much home insurance do I need?
The amount of home insurance you need is enough to rebuild your home, cover your belongings, and protect against specific risks in your area.
Home insurance is not obligatory unless required by your mortgage lender, who will insist on sufficient dwelling coverage for total loss. Additional coverage should match the worth of your personal items and account for local hazards and irreplaceable assets.
How We Found the Cheapest Home Insurance Companies in Wisconsin
To determine the cheapest home insurance companies in Wisconsin, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.