Wisconsin Homeowners Pay Some of the Lowest Insurance Costs In The Country

"According to the American Community Survey (ACS) data from the U.S. Census Bureau,Wisconsin homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average just $800-$999. Wisconsin has 1,723,526 insured homeowner households in total-1,033,752 with a mortgage and 689,774 without. Among mortgaged owners, 114,679 pay less than $100 annually and 27,357 pay $4,000 or more. Among those without a mortgage, 116,900 pay less than $100 and 16,031 pay $4,000 or more."

"Compared with nearby states, Wisconsin is among the most affordable. Illinois, Indiana, and Ohio homeowners with a mortgage also average $1,000-$1,499, aligning closely with Wisconsin. Michigan homeowners pay the same range, while Iowa is slightly cheaper for some non-mortgaged households, averaging $800-$999. By contrast, Minnesota and North Dakota trend higher, at $1,500-$1,999 for mortgaged households. This makes Wisconsin one of the lowest-cost insurance states in the Upper Midwest."

Wisconsin homeowners generally face lower homeowners insurance costs than many nearby states, with mortgaged households typically paying $1,000–$1,499 annually and non-mortgaged households averaging $800–$999. The state has 1,723,526 insured homeowner households, including 1,033,752 with a mortgage and 689,774 without. Small cohorts pay under $100 or over $4,000 annually. Neighboring states such as Illinois, Indiana, Ohio, and Michigan report similar ranges, while Minnesota and North Dakota trend higher at $1,500–$1,999 for mortgaged households. Iowa is slightly cheaper for some non-mortgaged households. Some climate-exposed states are experiencing sharper premium increases.

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