Best Homeowners Insurance in Wisconsin

Wisconsin homeowners pay an average of $109 monthly for insurance. We can help you find the best, cheapest quote.

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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.

Cheapest home insurance companies in Wisconsin
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.

Wisconsin's cheapest cities for home insurance
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.

Wisconsin's cheapest counties for home insurance
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.


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) LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.