We evaluated insurance quotes for a sample 2,000 square foot home in 71 cities in the state of Wisconsin in order to determine which cities had the highest and lowest annual home insurance costs. Based on this sample, we found that Wisconsin homeowners pay on average $1,396 per year for home insurance. Below we profile a number of cities in the state of Wisconsin and evaluate their price differences for homeowners insurance. Read more about our findings below or use our quote tool above to start finding homeowners insurance quotes in your area.
Cheapest Home Insurance Companies in Wisconsin
We gathered quotes for our sample home across 71 cities from State Farm, Farmers and Allstate. Quotes from each company were averaged to find which insurance company had the least expensive home insurance rates in Wisconsin. Of the companies surveyed, we found that on average, State Farm offers the most competitive rates for the state of Wisconsin. The graph below shows the average annual costs to insure our sample home by company:
Find the Cheapest Homeowners Insurance Quotes in Your Area
Homeowners Insurance Rates in Wisconsin's Largest Cities
We evaluated homeowners insurance rates across the largest cities in Wisconsin. Our study used control variables to gather comparable quotes across a number of home insurance companies. We found that on average, homeowners in the ten largest cities pay 1% more than the rest of the state for home insurance. The cost for home insurance in the ten largest cities averaged $1,407 per year.
Milwaukee is the most populous city in the state of Wisconsin. Known amongst many as “Brew City”, Milwaukee harbors household names such as Pabst and Miller, and is a renaissance center for modern craft brew masters. Milwaukee is also home to the world’s largest music festival. Every summer, hundreds of thousands of music lovers flock to Milwaukee to attend “Summerfest,” where some of the biggest names in music play.
The average cost of home insurance in Milwaukee is $1,486 per year, which is 7% more expensive than the state mean. Farmers offered the most expensive home insurance quote in our Milwaukee sample at $1,649 annually. Allstate, the most affordable insurer in the city, quoted our sample home an annual cost of $1,256, or $393 lower than Farmers.
Madison is the second largest city and capital of Wisconsin. The state government and University of Wisconsin-Madison are the two largest employers in the city, while Epic is the largest private-sector employer and epicenter for the rapidly developing health and biotech sector. Madison is also ranked sixth among ValuePenguin’s top ten cities for singles.
The cost of insuring a property in Madison for one year averaged $1,299 – 7% below the Wisconsin mean. Home insurance rates in Madison vary by as much as $825 between insurers. The city’s most affordable rate in our study was offered by State Farm at $897. Of the insurance companies we surveyed, Farmers offered the second most competitive rate of $1,278, which was $381 more expensive than State Farm.
Green Bay, WI
Green Bay is Wisconsin’s third largest city. It is home to one of the most prolific sports teams in the history of football: the Green Bay Packers. The city earned its unofficial nickname, “Titletown, USA”, due to the Packers’ 13 league championship titles, which is a record unmatched by any other team in the NFL. While the number of championships Green Bay holds remains high, its homeowners insurance rates are among the state’s lowest.
State Farm and Farmers quoted home insurance rates of $1,027 and $1,088 respectively for our sample home. Allstate offered the most expensive rate of $1,438, which is $411 more expensive than the quote offered by State Farm. Overall, Green Bay’s homeowners insurance rates are 15% lower than the state average.
Kenosha, located on the shoreline of Lake Michigan, is the fourth largest city in the state of Wisconsin. The earliest native americans named the city “Kenozia” which means “place of the Pike.” Originally home to some of the major automobile titans, including Daimler Chrysler Corporation and the now-defunct American Motors Corporation, Kenosha now harbors a bevy of newer brands including Amazon, Ocean Spray, and Jelly Belly Candy Co.
The average annual homeowners insurance quote in Kenosha was $1,567 per year according to our study, which is 12% above the state mean. If you’re looking for affordable home insurance rates in Kenosha, we suggest starting with State Farm which quoted a $1,022 annual rate for our sample home. Allstate offered the most expensive rate of $2,023 per year, which is over $1,000 more expensive than State Farm’s quote.
Originally founded by French-explorers in the early 1700’s, Racine, translated from French, means “root.” Located at the mouth of Lake Michigan along the river root, the City boasts a number of famous works by world-renowned architect Frank Lloyd Wright, including SC Johnson’s Administration Building, Fortaleza Hall, and the Golden Rondelle Theatre. Racine is the fifth largest city in the state of Wisconsin and is ranked sixth amongst ValuePenguin’s best cities for auto mechanics.
The mean home insurance rate in Racine was $1,308, according to our study, which is $88 below the state average. Allstate quoted the most expensive rate in Racine at $1,627 per year. That is $605 more expensive than the quote of $1,022 provided by State Farm. Homeowners in the city of Racine saved 6% on their insurance when compared to the state mean.
Appleton is the sixth most populous city in the state of Wisconsin. The city is located at the heart of the Fox River valley, and is the childhood home of the famous magician, Harry Houdini. It’s also home to Lawrence University, one of the nation’s finest private liberal arts colleges and second oldest co-educational college in America.
The average home insurance quote for our sample home in Appleton was $1,276, which is 9% more affordable than the state mean. State Farm and Farmers quoted our sample home an annual home insurance cost of $1,021 and $1,256, respectively. Allstate offered the most expensive quote of $1,551, which is $530 and $295 more expensive than the quotes offered by State Farm and Farmers.
Waukesha is the seventh largest city in the state and is located approximately 18 miles west of Milwaukee and 59 miles east of Madison. The city’s top employers are healthcare providers and include GE Healthcare, ProHealth Care and the Waukesha Memorial Hospital. It is also home to Caroll University, the oldest college in the state, founded in 1846.
Our research found that the average home insurance premium in Waukesha was $1,321, which is $75 less than the average for the state of Wisconsin. State Farm offered a quote of $1,013, which is $684 cheaper than the rate of $1,697 offered by Farmers. Farmers’ rate was the only quote gathered in Waukesha that exceeded the state average.
Oshkosh is the eighth largest city in Wisconsin and the largest municipality in Winnebago County. It’s also the city from which national retailer OshKosh B’gosh was founded, and the home of the EAA AirVenture Oshkosh, known to be the largest airshow of its kind in America. We found the mean annual home insurance cost in Oshkosh to be $1,473.
On average, residents of Oshkosh pay 6% more for their home insurance than the rest of the state. State Farm and Farmers quoted rates within $32 of each other for our sample home: $1,313 and $1,285, respectively. Allstate offered the most expensive rate of $1,821, outpricing its competitors by over $500.
Eau Claire, WI
Eau Claire is the ninth most populous city in the state of Wisconsin. The city derives its name from the French “Eaux Claires”, which means “Clear Waters,” and is located at the junction of the Chippewa and Eau Claire rivers. Once a hub for the lumber industry in its early days, the city is a boon for lovers of the outdoors with water trails strewn throughout its downtown district. Both the Mayo Clinic and the University of Wisconsin maintain campuses in Eau Claire.
Based on our study, Eau Claire’s homeowners insurance rates are 10% more expensive on average than the state mean. Residents pay an average of $1,532 a year for homeowners insurance. State Farm offered the lowest quote at a cost of $1,093, followed by Farmers which offered a rate $1,681. Allstate offered the single most expensive quote at $1,823 per year, which is $730 more than the rate offered by State Farm.
Rounding out the ten largest cities in the state of Wisconsin is Janesville. In its early days, the city of Janesville played a large part in the Civil War; Rock County, where the city is located, contributed the highest number of enlisted men to the union army from Wisconsin. Today, Janesville boasts 2,000 acres of parkland and is known as Wisconsin’s “Park Place.” The area surrounding the city is a nature-lover’s paradise.
The average homeowners insurance rate in Janesville is $1,622 which represents a 16% premium to the state average, one of the most expensive insurance rates in Wisconsin. State Farm quoted the cheapest home insurance rate at $1,046, while Farmers offered the most expensive home insurance quote at $1,948, which is $902 more expensive than the rate offered by State Farm. Based on our study, Janesville is also the fourth most expensive city for homeowners insurance in Wisconsin.
Least Expensive Homeowners Insurance in Wisconsin: by City
The graph below shows the five most affordable cities of all 71 cities which were part of this study. The cities are listed in order of mean price starting with the lowest average home insurance quote and ascending. The figures listed in the graph represent the average homeowners insurance rate for each city. We found that Sheboygan is the cheapest city in Wisconsin for homeowners insurance. On average residents pay $1,097 annually, which is 21% lower than the state average.
As previously mentioned, Sheboygan is the most affordable city in the state of Wisconsin for homeowners insurance. On average, residents pay $299 less for their homeowners insurance policy than the average resident in the state of Wisconsin. State Farm offered the least expensive quote of $1,018, followed by Allstate at $1,056, and then Farmers at $1,217.
Wausau offers the second most affordable rates for home insurance of the 71-city sample we reviewed in Wisconsin. The mean home insurance quote in the city is $1,147, which is 18% cheaper than the state average. The most affordable quote in Wausau was offered by Allstate for an annual rate of $1,100.
Marinette is located on the northeastern tip of Wisconsin, bordering Lake Michigan. Marinette ranks as the third least expensive city in Wisconsin for homeowners insurance. The average homeowners insurance quote gathered for the city of Marinette was $1,163, which is $233 less than the state mean. On a percentage basis, this represents a 17% discount to the state average.
Green Bay, WI
Green Bay offers the fourth most affordable home insurance rates in the state of Wisconsin, despite being the third biggest city in the state. Residents pay on average $1,184 per year, which is $211 less than the state average. The lowest rate in the city was offered by State Farm for $1,027 a year.
Fond du Lac, WI
Fond du Lac is ranked the fifth least expensive city in Wisconsin for home insurance. On average, residents pay $1,185 for homeowners insurance, which represents a 15% discount to the state mean. On an annual basis, residents save $211 on homeowners insurance versus the state average.
Most Expensive Homeowners Insurance in Wisconsin: by City
The graph below shows the five least affordable places of all 71 cities included as part of this study. The cities are listed in order of price, starting with the highest average rate and descending. The figures listed represent the average home insurance rate for each city. The most expensive city for homeowners insurance was New Richmond where our research found an average annual rate of $1,844, which is $449 higher than the state average.
We studied 71 cities, spread out geographically all across the state of Wisconsin. The sample home we looked at was built in the year 2000, had 2,000 square feet across two stories, and cost $200,000. Quotes for this home were obtained from State Farm, Farmers and Allstate insurance companies for each city surveyed. The rates were then averaged for each city. To see an alphabetical list of all the cities included in the analysis, please see below. We've displayed all cities surveyed, from Antigo to Wisconsin Rapids, with the average annual cost of insurance for the benchmark property, and how much each city costs relative to the state average.
|Rank||City||Average Insurance Rate||Cost Compared to State Average|
|5||Fond du Lac||1,185||-15%|