Affordable Home Insurance in Wisconsin
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What drives home insurance rates in Wisconsin
Average homeowners premium, 2023
$923
The average homeowners policy in Wisconsin cost $923 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
71¢
Home insurers in Wisconsin paid 71 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
244
NOAA logged 55 tornado, 140 large-hail and 49 flash-flood event reports in Wisconsin in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#18
FEMA ranks Wisconsin #18 of 51 for expected annual loss from natural hazards; flood accounts for 43% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Wisconsin
The ten insurer groups that wrote the most home premium in Wisconsin in 2025, with their share of the state total of $2.7 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | American Family Insurance Group | 21.01% | $570 million |
| 2 | State Farm Group | 18.57% | $504 million |
| 3 | Auto Owners Group | 6.17% | $167 million |
| 4 | Erie Insurance Group | 5.92% | $161 million |
| 5 | Allstate Insurance Group | 5.16% | $140 million |
| 6 | Acuity A Mutual Insurance Co. | 4.87% | $132 million |
| 7 | Farmers Insurance Group | 3.58% | $97 million |
| 8 | United Services Automobile Association Group | 3.36% | $91 million |
| 9 | West Bend Insurance Group | 3.11% | $84 million |
| 10 | Liberty Mutual Group | 3.04% | $82 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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