Erie has the cheapest homeowners insurance rates in Wisconsin, with an average monthly rate of $70. Secura is the second-most affordable home insurer at $84 a month.
Even though these home insurance providers have rates lower than the state and national average premiums, you should still compare between multiple companies in order to make sure you're getting the best coverage possible at the cheapest price.
In this article, we'll cover
Cheapest homeowners insurance companies in Wisconsin
Wisconsin's cheapest choice for home insurance is Erie, with an average monthly rate of $70 a month. The next most affordable provider in Wisconsin is Secura at $84, and Travelers is the third-lowest at $112 a month.
| Company | Rate |
|---|---|
| Erie | $70 |
| Secura | $84 |
| Travelers | $112 |
| USAA | $115 |
| American Family | $122 |
| State Farm | $126 |
| Allstate | $132 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does home insurance cost in Wisconsin?
The average cost of homeowners insurance in Wisconsin is $109 a month. This is 25% cheaper than the average national homeowners insurance rate of $146 a month.
When home insurance companies calculate your policy quote, they take many factors in account. The include:
- The age of your home
- Construction materials used
- Your ZIP code
- Your personal insurance history
Home insurance providers do not put the same weights on the quote calculation factors used. The materials used to build the house, for example, can play a bigger role in one provider's homeowners insurance quotes than another. This is why comparing quotes for home insurance is key to getting your best rate for the best coverage.
Get cheap homeowners insurance in Wisconsin
The home insurance policy deductible you choose affects your final premium as well. The higher your deductible is, the lower your premium.
Best home insurance companies in Wisconsin
We found that Erie and Secura are the best choices in Wisconsin for home insurance. Here's why:
Erie: Cheapest price and best bundling discount
On top of Erie having the cheapest home insurance rate of $70 a month, it also has a great bundling discount to help you save even more. If you bundle a home insurance policy from Erie with an auto or life insurance policy, you may save between 16% and 25% on your total annual insurance costs. That's a better discount range than many other insurers have.
Secura: Best range of discounts and credits
Secura has the second-lowest average home insurance rate in Wisconsin at $84 a month. Furthermore, the variety of discounts and credits they offer could drop your annual insurance cost down considerably. These include:
- New home credit: If your house is less than 10 years old, you may qualify for a home insurance premium credit.
- Financial stability discount: Have a good credit score? It could land you a discount.
- Early quoting discount: If you get your policy quoted before the effective date, it can save you money on your yearly home insurance premium.
- Protective device credit: If you maintain fire prevention measures such as smoke alarms and fire extinguishers in the home, there could be a credit for you.
- Valued policyholder discount: As long as you carry a home insurance policy with Secura, you get a discount.
Cheapest Wisconsin home insurance by city and county
Of Wisconsin's largest cities, Appleton pays the lowest rates for home insurance with Erie at an average rate of $48 a month. Green Bay has the second-cheapest average rate of $51 a month with Erie. Madison, Milwaukee and Oshkosh share third place for cheapest rates in Wisconsin with Erie at $59 a month.
| City | Erie | Secura | Travelers |
|---|---|---|---|
| Appleton | $48 | $84 | $120 |
| Eau Claire | $78 | $85 | $116 |
| Green Bay | $51 | $82 | $81 |
| Green Lake | $76 | $85 | $139 |
| Janesville | $79 | $85 | $99 |
| Kenosha | $60 | $83 | $96 |
| Madison | $59 | $85 | $97 |
| Milwaukee | $59 | $85 | $100 |
| Oshkosh | $59 | $84 | $119 |
| Racine | $66 | $83 | $109 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Among Wisconsin's largest counties, Outagamie County has the cheapest home insurance rate with Erie at $46 a month. Brown County has the second-most affordable average rate, also with Erie, at $51 a month. Milwaukee County comes in third-cheapest with Erie with an average home insurance rate of $55 a month.
| County | Erie | Secura | Travelers |
|---|---|---|---|
| Brown | $51 | $80 | $89 |
| Dane | $59 | $85 | $96 |
| Kenosha | $64 | $81 | $106 |
| Milwaukee | $55 | $85 | $97 |
| Outagamie | $46 | $83 | $117 |
| Racine | $64 | $83 | $100 |
| Rock | $79 | $84 | $104 |
| Washington | $70 | $85 | $92 |
| Waukesha | $62 | $85 | $92 |
| Winnebago | $59 | $84 | $140 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Methodology
We collected quotes from every ZIP code in Wisconsin from the following home insurance companies:
- Allstate
- American Family
- Erie
- Secura
- State Farm
- Travelers
- USAA
Average rates for a standard HO-3 homeowners insurance policy we calculated using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
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