La Crosse Insurance Rates:

La Crosse, WI home insurance is about $536 to $727, about $44-$60/month. Our thorough guide reveals consumers can save upto $252 by comparing different quotes

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La Crosse Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $800/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $370,000

5 Beds, 5 Baths 4660 sqft Seasonal Residence Constructed In 1966 with Linoleum, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $150/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

5 Beds, 5 Baths 1590 sqft Vacation Property Constructed In 1973 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $140/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1570 sqft Primary Residence Constructed In 1980 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $490/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1130 sqft Vacation Property Constructed In 1997 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Single Male who is Retired and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $280/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1330 sqft Seasonal Residence Constructed In 1963 with Wood Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $750/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Bath 3070 sqft Vacation Property Constructed In 1975 with Hardwood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $70/3 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Bath 1330 sqft Primary Residence Constructed In 1941 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/7 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 1870 sqft Primary Residence Constructed In 1985 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

La Crosse, WI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
54601 $146,400 $640
54603 $117,000 $630

La Crosse Rates & Quotes Analysis:

La Crosse Area Estimated House Insurance
9th Ave S, Conoco Rd, Grandad Ter, Rublee St, Paudler Pl, Hagar St, Sunrise Ln, Gundersen Dr, Grandview Pl, Brentwood Ln$653
Hintgen Ct, Braund St, Fen Lockney Dr, Timber Creek Trl, Tillman Dr, Zeisler St, Irvin St, Co Hwy O, Olivet St, Oak Ave SW$636
24th St S, Co Rd S, Nolop Rd, George Pl, Jordan Pl, Riverview Dr, E Point Rd, Redwood Ct, Charles St, Richard Dr$669
Avon St, R Herold Rd, 4th Ave S, Gills Coulee Rd S, W Bank Dr, State Rd 35, Tellin Ct, Spillway Dr, Jelle St, Travis St$638
Scenic Ct, 20th St S, National Dr, Western Ave, Onalaska Ave, Meadowlark Ln, Nakomis Ave, Greenhills Pl, Powell St, Oak Ave S$618
Fair Meadow Way, E Helke Rd, Heatherwood Pl, Redwing Rd, River Valley Dr, Maplewood Dr, Adams Ct, Willow Way E, Richmond Ave, Vanity Dr$684
Plainview Rd, Miller Pl, E Plz Park, E Main St, 21st St S, Green St, Redfield St, Hampton Ct, 8th Pl, 21st Ter S$636
Calloway Ln, Oakland St, Wall St, Elizabeth Dr, Ridgewood Ln, Palace St, Susan Pl, Valley Ct, Bringe Ct, N Chipmunk Rd$651
Wollan Pl, 25th St S, 17th Ave S, Joseph Houska Dr, 20th St S, Miller St, Schieche Rd, 3rd St S, Hagen Rd, Norplex Dr$625
Co Hwy Fo, Mary Ct, Charles Ct, Walnut St, Greenwood St, Monarch Ln, Peace St, Woodbridge Ct, Terrace Rd, Howry St$654

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,515 Homes (11% of total) built between 1970 to 1979 in La Crosse are paying home insurance between $1,024-$1,034 in contrast with Medary (+$58), La Crescent(MN) (+$614), Shelby (+$42), Chaseburg (-$17) and Westby (-$11).
  • Bedrooms: 6,414 3 bedrooms homes (29% of total homes ) in La Crosse are paying about $626. Areas near to La Crosse such as Medary, La Crescent(MN), Shelby are costlier by $29, $213, $19 respectively whereas Stoddard and Bangor are more economical by $11, $8 respectively for similar homes.
  • Auto Insurance Bundling: 4,988 Households (46% of all households) in La Crosse have 2 vehicles available and when it is bundled with home insurance you can save $126. Discounts for similar bundling in close by locations such as Medary, French Island, La Crescent (MN)come to $133, $127, $202 respectively.
  • Senior Discounts: 5,291 seniors (more than 55 years) occupied housing units (48% of total) in La Crosse get discounts between $94 to $96 and varies from Medary ($100), French Island ($95), La Crescent(MN) ($151).
  • New Homes discounts: New homes such as the 6,681 homes built between 2000 to 2009 in La Crosse can save $126 and varies from Medary ($133), French Island ($127), La Crescent(MN) ($202).

La Crosse Homeowners insurance Facts

  • La Crosse, WI has 10,822 owner occupied houses which is 50.8% of all units whereas Medary, French Island and La Crescent have 93.14%, 67.93% and 77.66% respectively.
  • La Crosse, WI homeowners yearly insurance price at $632 is 0.49% of the typical house value of $129,100 which is in contrast with 0.31% in Medary, 0.45% at French Island & 0.64% in La Crescent.
  • Homeowners in La Crosse, WI pay 5.06% of their income ($10,000 to $14,999) in insurance whereas homeowners in French Island, La Crescent and Shelby pay 5.1%, 8.08% and 5.26% respectively.
  • La Crosse, WI’s insurance is 4.3% of monthly housing costs of $1,213/month, for owners with a mortgage compared to 3.46% in Medary, 4.12% at French Island & 6.13% in La Crescent. But, for households without a mortgage, insurance is 10.6% of costs ($496 in La Crosse, WI) in contrast with 11.2% in Medary, 11.77% at French Island & 21.31% in La Crescent.

La Crosse, WI Home Values & Insurance rates

For example, insurance for 586 Homes (5.0% of total homes ) valued between $90,000 to $99,999 in La Crosse, WI is about $461. Rates in nearby areas in such as Medary, French Island, Campbell are cheaper by $168, $41, $41 respectively while La Crescent and Hokah are costlier by $134 and $61 respectively for similar homes.

La Crosse, WI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 597 5.0% $120
$50,000 to $59,999 134 1.0% $252
$60,000 to $69,999 300 2.0% $316
$70,000 to $79,999 309 2.0% $366
$80,000 to $89,999 874 8.0% $410
$90,000 to $99,999 586 5.0% $461
$100,000 to $124,999 2,291 21.0% $537
$125,000 to $149,999 1,948 18.0% $669
$150,000 to $174,999 1,444 13.0% $790
$175,000 to $199,999 575 5.0% $916
$200,000 to $249,999 772 7.0% $1099
$250,000 to $299,999 548 5.0% $1346
$300,000 to $399,999 272 2.0% $1712

Renters Insurance in La Crosse

  • Average Renters Insurance in La Crosse :  $162($13/month)

  • Median Gross Rent in La Crosse :  $672

  • La Crosse Renters Insurance to Median Rent Ratio:  1.93%

  • Average household size of renter-occupied unit :  2.07

La Crosse Renters Insurance as a Percentage of Rent

La Crosse Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 213 2.0% $340
$200 to $299 296 2.0% $790
$300 to $499 2,046 19.0% $1240
$500 to $749 3,966 38.0% $1915
$750 to $999 2,052 20.0% $2665
$1,000 to $1,499 1,286 12.0% $3790
$1,500 or more 392 3.0% $5440

Rent Affordability in La Crosse:

Approximately 47.0% (4,984) of households are spending more than 35% of their income on gross rent in La Crosse

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,162 11.0%
15.0 to 19.9 percent 1,376 13.0%
20.0 to 24.9 percent 995 9.0%
25.0 to 29.9 percent 853 8.0%
30.0 to 34.9 percent 1,119 10.0%
35.0 percent or more 4,984 47.0%

La Crosse Renters Insurance Discounts:

La Crosse Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in La Crosse, WI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,057 48.0% $16.2
2 vehicles available 2,165 20.0% $24.3
3 or more vehicles available 1,231 11.0% $32.4

La Crosse Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 665 6.0% $67
60 to 64 years 346 3.0% $53
65 to 74 years 470 4.0% $43
75 years and over 952 9.0% $33

Protective device discount in La Crosse Up to :  $24

Claims-free discount in La Crosse Up to :  $32