Average insurance rates across 123 cities in Wisconsin
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Milwaukee | 577,222 | $920 | $1,196 | $484/mo | $12/mo |
| Madison | 451,652 | $910 | $1,183 | $483/mo | $12/mo |
| Appleton | 233,947 | $910 | $1,183 | $483/mo | $12/mo |
| Racine | 132,006 | $910 | $1,183 | $483/mo | $12/mo |
| Kenosha | 124,297 | $910 | $1,183 | $483/mo | $12/mo |
| Eau Claire | 109,491 | $910 | $1,183 | $483/mo | $12/mo |
| Green Bay | 107,395 | $890 | $1,157 | $482/mo | $12/mo |
| La Crosse | 94,627 | $910 | $1,183 | $483/mo | $12/mo |
| Oshkosh | 74,251 | $910 | $1,183 | $483/mo | $12/mo |
| Sheboygan | 73,531 | $910 | $1,183 | $483/mo | $12/mo |
| Wausau | 71,236 | $910 | $1,183 | $483/mo | $12/mo |
| Janesville | 71,202 | $910 | $1,183 | $483/mo | $12/mo |
| Waukesha | 70,945 | $910 | $1,183 | $483/mo | $12/mo |
| West Allis | 59,907 | $910 | $1,183 | $483/mo | $12/mo |
| Wauwatosa | 47,919 | $910 | $1,183 | $483/mo | $12/mo |
Wisconsin residents pay an average of $1,000 per year for home insurance and $1,300 for auto insurance. Wisconsin follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/10.
Health insurance in Wisconsin averages $490 per month for an individual Silver marketplace plan. The weather risk level is low, with moderate natural disaster risk. Top insurance providers in Wisconsin include State Farm, American Family, Rural Mutual.
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Policygenius The ZebraThe average home insurance cost in Wisconsin is $1,000 per year. Rates range from $650 to $1,450 depending on home value, location, and coverage level.
Auto insurance in Wisconsin averages $1,300 per year for full coverage. The state minimum coverage is 25/50/10.
Wisconsin has below-average insurance costs, with home insurance at $1,000/yr and auto at $1,300/yr compared to national averages of $2,300 and $1,800 respectively.
Wisconsin requires minimum liability coverage of 25/50/10 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.