Cheapest Homeowners Insurance in Wisconsin (2024 Rates)


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ByMark Fitzpatrick
Edited byBenjamar Gabawa
ByMark Fitzpatrick
Edited byBenjamar Gabawa

Updated: May 22, 2024

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In Wisconsin, you'll find a range of home insurance choices to suit your needs and budget. Chubb stands out as the most affordable option overall, and it also offers great rates for new homes. Auto-Owners Insurance, however, is your top pick for high-value homes, while Nationwide is the go-to insurer for those with poor credit.

Why Trust MoneyGeek? MoneyGeek used information from the Wisconsin department of insurance and Quadrant Information Services to obtain data on insurance rates, discounts and more.

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These rates reflect the cheapest home insurance quotes in Wisconsin as of 2024.

Overall Cheapest Homeowners Insurance in Wisconsin

Chubb offers Wisconsin's most affordable home insurance for $100K in dwelling coverage at $431 per year. Note that premiums vary in price based on dwelling coverage limits, among other aspects.

Compare the cheapest premiums in Wisconsin for varying dwelling coverage limits:

  • Cheapest for $100,000: Chubb at $431 per year
  • Cheapest for $250,000: Chubb at $1,030 per year
  • Cheapest for $500,000: Allstate at $1,646 per year

Find cheap home insurance using MoneyGeek's table and see how rates change by dwelling coverage.

Data filtered by:Results filtered by:
Coverages:
Coverages:$100K Dwelling / $50K Personal Property / $100K Liability
Construction Year:
Construction Year:2000
ChubbAnnual Premium$431
State FarmAnnual Premium$570
NationwideAnnual Premium$600
Foremost InsuranceAnnual Premium$676
Auto-Owners InsuranceAnnual Premium$746
AllstateAnnual Premium$813
American FamilyAnnual Premium$820

Compare Wisconsin Home Insurance Quotes Online

Seeking affordable home insurance in Wisconsin typically means comparing quotes from various companies. MoneyGeek’s home insurance calculator helps you get Wisconsin quotes quickly without having to provide personal details at the outset.

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Jun 13, 2024

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California
26-29
Excellent (750-850)
Home
$500,000
$500
$150,000
$100,000
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User Info
California
26-29
Excellent (750-850)
Home
$500,000
$500
$150,000
$100,000

Cheapest Home Insurance in Wisconsin for High-Value Homes

In Wisconsin, Auto-Owners Insurance offers the lowest premium for high-value homes at $2,153 per year for $750K in dwelling coverage. Homes of higher value may cost more to rebuild, which requires more dwelling coverage. Higher limits, however, can increase your costs.

Check the most affordable insurers for higher dwelling coverage limits:

  • Cheapest for $750,000: Auto-Owners Insurance at $2,153 per year
  • Cheapest for $1,000,000: Allstate at $2,990 per year

Make sure to purchase dwelling coverage equal to the replacement cost of your home rather than its property value. Use MoneyGeek's table to compare costs by dwelling coverage for higher limits.

Data filtered by:Results filtered by:
Coverages:
Coverages:$750K Dwelling / $375K Personal Property / $500K Liability
Construction Year:
Construction Year:2000
Auto-Owners InsuranceAnnual Premium$2,153
AllstateAnnual Premium$2,291
State FarmAnnual Premium$2,412
ChubbAnnual Premium$2,849
American FamilyAnnual Premium$3,131
NationwideAnnual Premium$3,853
Foremost InsuranceAnnual Premium$3,964

Cheapest Home Insurance in Wisconsin for New Homes

For newer homes in Wisconsin, Chubb offers the lowest premium at $318 per year for a policy with $100K in dwelling coverage. Modern construction and high-quality materials can lower insurance costs as these new homes are less likely to be damaged.

Find the cheapest premiums for each dwelling coverage here:

  • Cheapest for $100,000: Chubb at $318 per year
  • Cheapest for $250,000: Allstate at $593 per year
  • Cheapest for $500,000: Allstate at $827 per year

Look at how costs can change for new homes based on dwelling coverage limits in our table below.

Data filtered by:Results filtered by:
Coverages:
Coverages:$100K Dwelling / $50K Personal Property / $100K Liability
ChubbAnnual Premium$318
State FarmAnnual Premium$358
NationwideAnnual Premium$395
Foremost InsuranceAnnual Premium$406
AllstateAnnual Premium$479
American FamilyAnnual Premium$546
Auto-Owners InsuranceAnnual Premium$618

Cheapest Home Insurance in Wisconsin for Low Credit Scores

Nationwide offers the cheapest home insurance for those with a poor credit score in Wisconsin at $994 annually for $100K in dwelling coverage. Credit scores are a significant factor for insurance companies as they show the policyholder's risk of defaulting on payments.

Check the cheapest home insurance providers in Wisconsin for those with poor credit:

  • Cheapest for $100,000: Nationwide at $994 per year
  • Cheapest for $250,000 Nationwide at $1,878 per year
  • Cheapest for $500,000 Nationwide at $3,617 per year

Having a poor credit score significantly increases your premium compared to having good credit. For instance, homeowners in Wisconsin with poor credit pay an average of $910 more per year compared to those with good credit for $100K in dwelling coverage.

Data filtered by:Results filtered by:
Credit Score:
Credit Score:Poor
Coverages:
Coverages:$100K Dwelling / $50K Personal Property / $100K Liability
Construction Year:
Construction Year:2000
NationwideAnnual Premium$994
State FarmAnnual Premium$1,504
ChubbAnnual Premium$1,527
Foremost InsuranceAnnual Premium$1,590
Auto-Owners InsuranceAnnual Premium$1,728
American FamilyAnnual Premium$1,780
AllstateAnnual Premium$1,900

Cheapest Home Insurance in Wisconsin With a Claims History

If you've had at least one claim in the past five years, Chubb offers Wisconsin's most affordable home insurance at $431 per year for $100K in dwelling coverage. It is common for insurance companies to use your claims history to determine your premiums since it can provide insight into the likelihood of future claims.

Take a look at the cheapest options for those with one claim in the past five years in Wisconsin:

  • Cheapest for $100,000: Chubb at $431 per year
  • Cheapest for $250,000: Chubb at $1,030 per year
  • Cheapest for $500,000: Allstate at $1,646 per year

Past claims you've made affect your home insurance costs. To compare, homeowners with two claims pay an average of $237 more than those with zero claims. Minimizing claims is visibly significant to keep your insurance premium lower.

Data filtered by:Results filtered by:
Claims History:
Claims History:1 claim in past 5 years
Construction Year:
Construction Year:2000
Coverages:
Coverages:$100K Dwelling / $50K Personal Property / $100K Liability
ChubbAnnual Premium$431
State FarmAnnual Premium$652
Auto-Owners InsuranceAnnual Premium$746
Foremost InsuranceAnnual Premium$819
NationwideAnnual Premium$896
American FamilyAnnual Premium$1,028
AllstateAnnual Premium$1,107

Cheapest Home Insurance in Wisconsin by Home and Roof Materials

Home and roof materials also affect the cost of home insurance. In Wisconsin, for example, Chubb offers a $431 annual premium for those with a frame construction type and shake-treated roof for $100k dwelling coverage.

See how it differs for each dwelling coverage limit:

  • Cheapest for $100,000: Chubb at $431 per year
  • Cheapest for $250,000: Chubb at $1,030 per year
  • Cheapest for $500,000: Allstate at $1,667 per year

Having a home built with better materials can result in lower premiums. For instance, opting for superior construction with a tile roof in Wisconsin tends to reduce insurance premiums by around $63 annually compared to frame-type homes with a shake-treated roof.

Data filtered by:Results filtered by:
Home Construction Type:
Home Construction Type:Frame
Roof Material:
Roof Material:Shake-Treated
Coverages:
Coverages:$100K Dwelling / $50K Personal Property / $100K Liability
ChubbAnnual Premium$431
State FarmAnnual Premium$570
NationwideAnnual Premium$600
Foremost InsuranceAnnual Premium$676
Auto-Owners InsuranceAnnual Premium$757
American FamilyAnnual Premium$817
AllstateAnnual Premium$823

Cheapest Home Insurance in Wisconsin by Deductible

You could potentially save hundreds of dollars each year by changing your deductible. For instance, a policy with $100K in dwelling coverage and a $2,000 deductible is cheapest with Chubb at $414 annually. On the other hand, the same policy with a $500 deductible is cheapest with Nationwide, costing an average of $600 per year.

Compare the cheapest insurance provider for each deductible amount:

  • $2000 deductible: Chubb at $414 per year
  • $1500 deductible: Chubb at $431 per year
  • $1000 deductible: Chubb at $431 per year
  • $500 deductible: Nationwide at $600 per year

In home insurance, a deductible is what you pay before insurance coverage kicks in. In Wisconsin, opting for a $2,000 deductible over a $500 deductible can save you an average of $92 per year. Look at how rates change based on your deductible in the table below.

Data filtered by:Results filtered by:
Deductible:
Deductible:2000
Coverages:
Coverages:$100K Dwelling / $50K Personal Property / $100K Liability
Construction Year:
Construction Year:2000
ChubbAnnual Premium$414
State FarmAnnual Premium$524
NationwideAnnual Premium$535
Foremost InsuranceAnnual Premium$610
Auto-Owners InsuranceAnnual Premium$734
AllstateAnnual Premium$745
American FamilyAnnual Premium$792

Cheapest Home and Auto Insurance Bundle in Wisconsin

Wisconsin's most affordable home and auto bundle policy is from State Farm, with an annual premium of $1,618. By bundling home and auto insurance, you can secure significant discounts.

Check out other budget-friendly options:

  • State Farm at $1,618 per year
  • Nationwide at $1,752 per year
  • Farmers at $1,774 per year

Alongside savings, bundling provides the ease of managing both policies under the same insurer. It offers a streamlined insurance process that enhances communication and policy management. Explore the best Wisconsin insurance bundle to discover more benefits.

State FarmAnnual Premium$1,618
NationwideAnnual Premium$1,752
FarmersAnnual Premium$1,774
Auto-Owners Insurance CoAnnual Premium$1,905
AllstateAnnual Premium$2,087

Cheapest Home Insurance in Wisconsin by City

Chubb is the cheapest home insurance provider in most Wisconsin cities, offering rates from $350 to $489. Cost variations across cities hinge on elements like local building codes, crime statistics and weather-related risks.

  • For instance, Madison has the lowest annual premium for its cheapest company, Chubb, at $350.
  • Conversely, Milwaukee has the most expensive annual premium for the most affordable company, also Chubb, at $489.

It is crucial to shop around since insurers often tailor their rate calculations to specific geographic areas, allowing for potential savings.

Green BayCheapest CompanyChubbAnnual Premium$361
MadisonCheapest CompanyChubbAnnual Premium$350
MilwaukeeCheapest CompanyChubbAnnual Premium$489

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.