Wisconsin Auto & Home Insurance Trends in 2025 — What It Means for You
By Bremberger Insurance Agency
If you’ve opened your insurance renewal lately and felt some sticker shock — you’re not alone. Across Wisconsin, homeowners and drivers are seeing noticeable increases in their insurance premiums. As your local independent insurance agency, Bremberger Insurance Agency believes knowledge is power. Understanding why rates are rising — and what you can do about it — helps you make smart, confident decisions about your coverage.
The Wisconsin Insurance Landscape: Rates on the Rise
In 2024 and into 2025, Wisconsin’s insurance market has seen some major shifts:
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Home insurance rates rose an average of 12–15% statewide last year.
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Auto insurance premiums jumped nearly 40% since 2022 in some areas.
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Many insurers are tightening underwriting or adjusting discounts due to increased claims and repair costs.
Even though Wisconsin remains below the national average for auto and home insurance costs, the pace of increases has been faster than usual — and that’s left many residents wondering what’s driving it.
What’s Behind the Rate Increases?
At Bremberger Insurance Agency, we’ve seen several key factors contributing to higher premiums:
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Rising Repair and Rebuild Costs
Labor shortages, supply chain delays, and higher material costs have made it more expensive to fix vehicles and rebuild homes after a loss. -
Severe Weather Events
Wisconsin has experienced more frequent hailstorms, flooding, and wind damage in recent years — all of which lead to more claims and higher payouts. -
Vehicle Technology Costs
Today’s vehicles are safer, but also more complex. A small fender-bender that once cost a few hundred dollars to fix can now cost thousands due to advanced sensors and cameras. -
Inflation & Claim Frequency
The overall cost of goods, medical care, and property repairs has risen — and so have the number and size of claims filed across the state.
Changing Home & Auto Coverage in Wisconsin
Insurers aren’t just adjusting rates — they’re also updating coverage options.
At Bremberger Insurance Agency, we’ve noticed these trends:
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Home insurance: More emphasis on endorsements for water damage, sewer backup, and equipment breakdown.
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Auto insurance: Increased focus on driving behavior (via telematics), multi-policy discounts, and vehicle safety ratings.
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Deductible adjustments: Some carriers are raising deductibles or offering new options to help manage premium increases.
How Wisconsin Policyholders Are Responding
We’re seeing a big increase in policy shopping and coverage reviews. Many Wisconsin residents are realizing that staying with the same company year after year doesn’t always mean better rates or better service.
That’s where independent agencies like Bremberger Insurance Agency make a real difference.
Because we represent multiple top-rated insurance carriers, we can compare coverage and pricing to find what works best for your situation — not just one company’s rates.
What You Can Do to Manage Rising Rates
Here are a few smart steps to help control your insurance costs this year:
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Bundle Your Policies — Combine home and auto coverage to earn multi-policy discounts.
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Review Annually — Schedule a yearly policy review to make sure your coverage matches your current needs.
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Ask About Discounts — From safe driving to smart home systems, there may be savings you haven’t claimed yet.
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Increase Your Deductible — A slightly higher deductible can significantly lower your premium.
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Work with a Local Expert — Partnering with a local, independent agency like Bremberger Insurance Agency ensures you get personalized guidance — not a one-size-fits-all quote.
Stay Ahead of the Curve with Bremberger Insurance Agency
At Bremberger Insurance Agency, we understand Wisconsin — because we live and work here, too. We know the local risks, the changing weather patterns, and the unique needs of our communities.
Our mission is simple:
Help you protect what matters most — your home, your vehicles, and your peace of mind — while keeping your coverage affordable and comprehensive.
Ready to Review Your Coverage?
Let’s make sure you’re getting the best value possible.
Call Bremberger Insurance Agency today at 414-220-0400 or visit www.brembergeragency.com for a free, no-obligation insurance review.
Bremberger Insurance Agency — Local. Independent. Working for you, not the insurance companies.
Jim Bremberger has worked in the insurance industry since 2009, gaining extensive experience with minor and significant claims that can significantly impact a family without adequate coverage. By joining the independent sector and teaming up with many insurance carriers, he can offer exceptional coverage at competitive rates for residents all over Wisconsin.