Best Homeowners Insurance in Wisconsin

The cheapest home insurance companies in Wisconsin: Erie, $69 a month; Wisconsin Mutual, $78; and Secura, $81.

See Your Rates

Wisconsin homeowners can find the cheapest home insurance rates from Erie, followed by Wisconsin Mutual and Secura. Although Wisconsin home insurance rates are significantly lower than the national average, it's still in your best interest to find the best coverage at the lowest price. This guide can help you get a clear view of your options.

In this article

What are Wisconsin's cheapest home insurance companies?

Erie has the most affordable home insurance in Wisconsin, at $69 a month. Wisconsin Mutual is next, at $78, then Secura at $81.

Company Average monthly premium
Erie $69
Wisconsin Mutual $78
Secura $81
West Bend $93
USAA $101
Auto-Owners $104
Travelers $108
State Farm $111
American Family $124
Allstate $129
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?

Wisconsin home insurance costs $100 a month, on average. That's 37% less than the national average home insurance rate of $159 a month.

Home insurance companies consider various factors when calculating your quote, including:

  • Your ZIP code
  • The age of your home
  • Construction materials used
  • Your insurance claim history

Each provider has a different price for similar policies because they assign different risk values to various factors. For example, one insurer may consider the age of your home to be a bigger risk than another company. The more providers you consider, the better chance of finding the best combination of price and coverage. For this reason, compare home insurance quotes from multiple providers.

The deductible you choose also has an effect on your home insurance rate. The higher the deductible, the lower your premium. The table below shows average annual rates based on different deductible amounts.

Deductible Average annual premium
$500 $1,323
$1,000 $1,196
$1,500 $1,139
$2,000 $1,090
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The amount of dwelling coverage you choose also affects your final rate. Purchase enough dwelling coverage to rebuild your home after a total loss. The table below shows average Wisconsin home insurance rates based on different dwelling coverage amounts.

Dwelling coverage Average annual premium Average monthly premium
$200,000 $995 $83
$350,000 $1,422 $119
$425,000 $1,648 $137
$500,000 $1,867 $156
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find the best home insurance for you in Wisconsin

Best homeowners insurance companies in Wisconsin

Erie has the best prices for home insurance in Wisconsin. Secura is the best for cheaper-than-average rates and financial strength.

Erie: Best rates

Lowest average rate:

$903 a year

Wisconsin average:

$1,335

Cheapest average rates available in Wisconsin.

Guaranteed replacement cost coverage.

.001 NAIC Complaint Index rating.

Need to contact an agent to get a quote.

Secura: Best for cheap rates and financial strength

Average annual rate:

$1,120

A.M. Best Financial Strength Rating:

A (Excellent)

24/7 customer service.

Multiple discounts.

Strong financial stability

No mobile app.

Bundled policies only; home and auto insurance policies not available separately

Cheapest home insurance in Wisconsin by city

Of the 10 biggest cities in Wisconsin, Green Bay has the cheapest average home insurance rate, at $1,158 a year. Eau Claire has the highest average rate of $1,387 a year.

City Average annual premium
Green Bay $1,158
Appleton $1,209
Oshkosh $1,223
Madison $1,233
West Allis $1,261
Racine $1,261
Kenosha $1,261
Janesville $1,297
Milwaukee $1,365
Eau Claire $1,387
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Green Bay

Erie is the cheapest home insurance company in Green Bay, at $648 a year, followed by Wisconsin Mutual, at $893 a year. The average annual rate for home insurance in Green Bay is $1,158.

Company Average annual premium
Erie $648
Wisconsin Mutual $893
Auto-Owners $1,051
Travelers $1,062
Secura $1,090
West Bend $1,136
State Farm $1,193
USAA $1,220
American Family $1,464
Allstate $1,821
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Appleton

Erie is the cheapest home insurance company in Appleton, at $609 a year, followed by Wisconsin Mutual, at $994 a year. The average annual rate for home insurance in Appleton is $1,209.

Company Average annual premium
Erie $609
Wisconsin Mutual $994
Secura $1,114
State Farm $1,146
West Bend Mutual $1,157
Auto-Owners $1,167
USAA $1,185
American Family $1,484
Travelers $1,523
Allstate $1,711
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Oshkosh

Erie is the cheapest home insurance company in Oshkosh, at $750 a year, followed by Wisconsin Mutual, at $893 a year. The average annual rate for home insurance in Oshkosh is $1,223.

Company Average annual premium
Erie $750
Wisconsin Mutual $893
Secura $1,114
West Bend Mutual $1,181
USAA $1,186
Auto-Owners $1,203
State Farm $1,305
American Family $1,478
Travelers $1,518
Allstate $1,606
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Wisconsin's cheapest home insurance by county

Of the 10 biggest counties in Wisconsin, Brown County has the cheapest average home insurance rate of $1,174 a year. Rock County is the most expensive, at $1,321 a year.

County Average annual premium
Brown $1,174
Waukesha $1,219
Outagamie $1,221
Dane $1,237
Racine $1,260
Winnebago $1,262
Marathon $1,267
Kenosha $1,306
Milwaukee $1,314
Rock $1,321
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Frequently asked questions

Wisconsin home insurance costs $100 a month, on average, which is 37% less than the national average.

Erie has the cheapest rate for home insurance, at $69 a month. That's 31% cheaper than the average rate in Wisconsin..

Methodology

We collected quotes from every ZIP code in Wisconsin for a standard HO-3 homeowners insurance policy using the following coverages:

  • $275,000 dwelling coverage (unless otherwise noted)
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible (unless otherwise noted)

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