Wisconsin homeowners insurance rates: among the lowest in the country.

Cheapest homeowners insurance carriers in Wisconsin

Estimated annual premiums for a standard policy (~$300k dwelling, $1,000 deductible), ranked cheapest first — Wisconsin averages about $1,090/yr (median of the carriers below: $1,003/yr). Enter your ZIP for a ranking tuned to your dwelling amount, deductible, and coverage.

#	Carrier	Est. annual	vs median
1	USAA	$785/yr	Save $218
2	Auto-Owners	$894/yr	Save $109
3	Erie Insurance	$916/yr	Save $87
4	Amica Mutual	$937/yr	Save $66
5	Travelers	$992/yr	Save $11
6	American Family	$1,014/yr	+$11
7	Nationwide	$1,046/yr	+$43
8	State Farm	$1,090/yr	+$87
9	Progressive	$1,134/yr	+$131
10	Farmers	$1,221/yr	+$218

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Directional estimates from public rate filings and NAIC data — not a quote. Your actual rate depends on dwelling amount, deductible, roof age, claims history, and ZIP.

What is the average cost of homeowners insurance in Wisconsin?

The average cost of homeowners insurance in Wisconsin is $1,090 per year — about $91/month — for a standard policy with roughly $300,000 in dwelling coverage and a $1,000 deductible. That puts Wisconsin well below the national average of about $1,915. The single biggest factor behind Wisconsin's rates is hail, wind and winter. Wisconsin has some of the lowest home premiums in the country; hail, wind, and hard winters are the main rate drivers. The spread between the cheapest and most expensive carrier for the same home is often $600–1,500/year, so shopping at renewal genuinely pays off.

Carrier selection matters more than most homeowners assume. USAA, Auto-Owners, and Erie Insurance tend to price most competitively in Wisconsin, but the right answer depends on your dwelling amount, roof age, and whether you bundle auto. Entering your ZIP takes about two minutes and reveals current carrier pricing for your specific location.

Cheapest homeowners insurance companies in Wisconsin

USAA, Auto-Owners, and Erie Insurance are consistently among the most competitive options for homeowners insurance in Wisconsin. Bundling your auto policy is usually the single largest discount available — often 10–20% — followed by raising your deductible and adding modern roof, security, or smart-home credits. Comparing all three at renewal takes about 10 minutes and typically reveals a several-hundred-dollar spread for the same coverage.

One thing many homeowners underestimate: under-insuring the dwelling to save on premium is a costly mistake. Coverage A should reflect your home's rebuild cost, not its market value — and many policies pro-rate even partial claims if you insure for less than 80% of rebuild cost. Use the home coverage calculator to get the levels right before you shop.

What drives homeowners insurance rates in Wisconsin?

Wisconsin's premiums are shaped primarily by hail, wind and winter. Wisconsin has some of the lowest home premiums in the country; hail, wind, and hard winters are the main rate drivers. On top of regional risk, insurers price your individual home on its age, roof type and age, construction, distance to a fire station, prior claims, and increasingly your insurance-based credit score. Two homes on the same street can pay very different rates based on roof age alone.

Is homeowners insurance required in Wisconsin?

No state law in Wisconsin requires homeowners insurance. However, if you carry a mortgage, your lender will require it as a condition of the loan and can force-place a (usually more expensive) policy if you let coverage lapse. Even without a mortgage, most owners carry it — a home is the largest asset most people own, and a total loss without coverage is financially catastrophic.

Remember that a standard policy excludes flood and earthquake. In Wisconsin, if you're in a flood-prone area you'll need a separate NFIP or private flood policy; earthquake is a separate policy or endorsement. The base policy alone can leave you exposed on the very loss most likely to total your home.

Frequently asked questions