Average Home Insurance Cost in Wisconsin

Home insurance in Wisconsin costs about $107 monthly or $1,285 annually on average. Wisconsin is the 41st most affordable state.

*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.

Depending on your city, various risk factors, including your property’s age, weather-related factors and home valuations, change drastically, affecting home insurance costs. For example, the average monthly home insurance cost in Green Bay is around $96; in Milwaukee, it’s much higher at $114.

*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.

Home insurance is expensive in Wisconsin mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail:

Like most home insurance companies, pricing is mainly influenced by several key factors:

• Location
• Coverage chosen
• Home build details
• Provider chosen
• Credit
• Claims history

We'll explore how each factor impacts rates specifically for Wisconsin.

Location is the biggest factor affecting home insurance rates in Wisconsin, with rates varying by up to 12.81%. Weather risks, home value and population density in your area play a major role in determining costs.

Coverage choices are the second most influential factor in home insurance rates for Wisconsin residents, averaging from $695 to $4,620 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.

Home details like age, construction materials and roof type are the third most influential factor in Wisconsin homeowners insurance rates, averaging from $63 to $108 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.

Your choice of insurer is the fourth most influential factor in Wisconsin home insurance rates, with prices ranging from 17% below to 13% above the state average.

A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 64%, with annual average rates ranging from $1,017 to $3,028.

Filing more claims will increase your perceived risk for insurers, which can increase premiums. However, in Wisconsin, claims history has a more minor impact on cost than other factors. We found that rates can be affected by up to 12% or $188 annually.

With high home insurance costs in Wisconsin, finding ways to save on premiums is essential, whether buying a home or reducing expenses for your current one. Below are tips to help you secure the best and cheapest home insurance in Wisconsin tailored to your needs.

Home insurance costs vary with location and coverage. Find affordable rates by researching your needs and average costs, then use our estimate tool for the best deal.

The cost of home insurance in Wisconsin depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.

When determining the average cost of home insurance in Wisconsin, we used a base profile for a simple estimate consistent with the following:

• $250,000 dwelling coverage
• $125,000 personal property coverage
• $200,000 liability coverage
• Home Built Year: 2000
• Construction type: Frame
• Roof type: Composition
• $1,000 deductible
• No claims in the past 5+ years
• Fire protection level of 3

However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.