🏠 Home insurance cost in Madison, WI (2026)
Estimated average: $1,435 per year — -38% vs. the U.S. average of $2,300.
$1,435
Est. home insurance in Madison
per year
$1,380
Wisconsin average
$2,300
U.S. average
272,903
Population
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Madison home insurance estimator
Estimated$904/year
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Madison home insurance FAQ
How much is home insurance in Madison, WI?
The estimated average is $1,435 per year — above the state average (+4% vs. the Wisconsin average of $1,380, and -38% vs. the U.S. average).
Is home insurance more expensive in Madison than elsewhere in Wisconsin?
Madison has about 272,903 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Madison?
Compare at least three quotes from insurers active in Madison, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.