Milwaukee Home Insurance Costs (2026)

How much is homeowners insurance in Milwaukee?

Homeowners insurance in Milwaukee averages $150 a month for the house we priced, with rates as of Sept. 30, 2026. The 3 major insurers we compared are Auto-Owners, State Farm and American Family, and each one priced our sample home in all 27 Milwaukee ZIP codes in our data, in Milwaukee County. For this house, Milwaukee is the most expensive of the 4 Wisconsin cities in our data with at least 5 ZIP codes, and above the Wisconsin average of $148 a month.

Our figures are for a $300,000 dwelling, which works out to about $5.99 a year for each $1,000 of dwelling coverage in Milwaukee; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Milwaukee average fell 12.2% since Nov. 2025, from $2,047 a year ($171 a month) on Nov. 30, 2025, to $1,797 ($150) on Sept. 30, 2026, as American Family’s fell 20.8%, Auto-Owners’ fell 7.3% and State Farm’s fell 6.2%.

Homeowners insurance averages by insurer in Milwaukee for our sample home (rates as of Sept. 30, 2026)

Auto-Owners averaged $144 a month ($1,723 a year), State Farm $148 ($1,770) and American Family $158 ($1,897) for our sample home.

Same sample home: each insurer’s average yearly price in the same Milwaukee ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 3 insurers in the table priced the same 27 Milwaukee ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Milwaukee address:

• Auto-Owners ran from $1,539 a year in 53220 to $2,036 in 53216.
• State Farm ran from $1,652 a year in 53220 to $1,885 in 53210.
• American Family ran from $1,760 a year in 2 ZIP codes, including 53220 to $2,058 in 53224.

Who has the cheapest homeowners insurance in Milwaukee?

Auto-Owners and State Farm were within about 3% of each other for our sample home, at $1,723 and $1,770 a year, so no one insurer stands out as the lowest; compare a few quotes for yours.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Milwaukee, ZIP code averages for this house ran from $138 to $165 a month, while insurers’ Milwaukee averages ran from $144 to $158.

If prices stayed where they are today, the $174-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Milwaukee would add up to $870 over five years for this house.

Same house, different city: how does Milwaukee compare?

The same sample home costs $150 a month in Milwaukee, $126 in Green Bay, $145 in Racine and $149 in Madison, the 4 Wisconsin cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Milwaukee, other Wisconsin cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Milwaukee has the highest average of these Wisconsin cities; Green Bay, the lowest, averages $126 a month, 15.7% less for the same house.

Compared with Madison, the Wisconsin city with the most ZIP codes in our data after Milwaukee (12), the same house costs 0.6% more to insure in Milwaukee.

Across the U.S., 66 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Milwaukee, and 225 a higher one.

For the statewide picture, see home insurance costs in Wisconsin and Madison home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Milwaukee?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Milwaukee averages $150 a month ($1,797 a year) across the 3 insurers we compared in 27 ZIP codes (rates as of Sept. 30, 2026). That’s 1.3% above the $148-a-month Wisconsin average for the same house. Insurers’ averages for that same house ran from $144 to $158 a month.

Why your Milwaukee quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Milwaukee quote above the $150 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

What drives home insurance prices in Milwaukee?

For our sample house, Milwaukee is the most expensive of the 4 Wisconsin cities in our data with at least 5 ZIP codes, and 42.1% below the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Milwaukee homes face.

A rain gauge in northwest Milwaukee recorded 14.55 inches in 21 hours on Aug. 9-10, 2025, a new Wisconsin 24-hour record, according to the National Weather Service.

Flash flooding on July 22, 2010, left more than 4,400 Milwaukee homes with water-filled basements and brought at least 2,000 sewer backup calls, according to the National Weather Service.

How to find cheaper home insurance in Milwaukee

For our sample home, insurers’ Milwaukee averages ran from $1,723 to $1,897 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: Auto-Owners’ for our sample home ran from $1,539 to $2,036 a year depending on the Milwaukee ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 40 months of Milwaukee’s $150-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $150-a-month Milwaukee average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Milwaukee?

Renters insurance for our sample renter averages $20 a month ($234 a year) in Milwaukee. For our sample renter, prices among the 3 insurers we compared ranged from $15 to $25 a month, a $10-a-month gap for the same coverage.

Renters insurance averages by insurer in Milwaukee for our sample renter (rates as of Sept. 30, 2026)

State Farm averaged $15 a month ($179 a year), Auto-Owners $19 ($222) and American Family $25 ($301) for our sample renter.

State Farm had the lowest renters average for our sample renter of the insurers anyone can buy from, $15 a month ($179 a year), 19.5% below Auto-Owners’ $222 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.

For renters insurance, Milwaukee is the most expensive of the 4 Wisconsin cities in our data with at least 5 ZIP codes: its average is 17.7% above the Wisconsin renters average of $199 a year ($17 a month) and 8.6% below the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 112 have a lower renters average for our sample renter than Milwaukee, 179 a higher one. Our sample renter’s policy costs about 13% of what our sample home costs to insure in Milwaukee.

For the same insurers and ZIP codes, the Milwaukee renters average rose 2.6% since Nov. 2025, from $19 to $20 a month, as Auto-Owners’ rose 8.7% and the other insurers’ prices didn’t change.

By ZIP code, the Milwaukee renters average for our sample renter ran from $18 a month in 53228 to $21 in 53209. Of the 27 ZIP codes, 1 averaged more than the city’s $20 a month for our sample renter, 12 less and 14 the same.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 81 sample prices by 3 insurers across 27 Milwaukee ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a Milwaukee apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Milwaukee, that package averages $20 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 27 Milwaukee ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Milwaukee

Many Milwaukee homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in Milwaukee · Wisconsin car insurance rates · How bundling home and auto insurance works