Cheapest Car Insurance Quotes in West Baraboo

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West Baraboo Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in West Baraboo

The car insurance rate in West Baraboo is $643 for a six-month policy, which is $34 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $265, making it a popular choice for budget-conscious drivers. Rates in West Baraboo can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in West Baraboo

$643

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in West Baraboo

1st place: AAA

At $265 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $395 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $434 for six months, making it the third cheapest auto insurance company in West Baraboo.

West Baraboo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Baraboo, WI is AAA, offering policies at just $265 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $395.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $722 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Baraboo drivers find the best deals.

Cheap Car Insurance Companies in West Baraboo, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$265	$45
West Bend Mutual	$395	$66
IMT Insurance Company	$434	$74
Auto-Owners Insurance Co	$440	$73
Chubb	$451	$77
Acuity	$485	$82
American Family	$491	$83
Travelers	$503	$85
Erie	$587	$99
USAA	$683	$115
Rockford Mutual	$716	$122
Nationwide	$773	$130
Rural Mutual	$796	$135
State Farm	$796	$134
Progressive	$931	$157
Farmers	$993	$165
Allstate	$1151	$194
Secura	$610	$102
Hastings Mutual	$722	$123

Key Takeaways

Way's key takeaways about car insurance in West Baraboo

The auto insurance costs in West Baraboo fall around $265 for six months.
The cheapest auto insurance company in West Baraboo is AAA.
Teen drivers pay the highest rate in West Baraboo at $607 per month.

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Cheapest Minimum Liability Car Insurance in West Baraboo

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in West Baraboo are given below.

AAA provides the cheapest minimum car insurance coverage in West Baraboo. Their Average 6 Month Premium is $113. Secura is the most expensive at $152 for the same period.

Cheapest Liability Coverage in West Baraboo, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$113	$19
Rural Mutual	$124	$21
Western National	$136	$23
Erie	$152	$26
USAA	$163	$28
West Bend Mutual	$169	$29
Auto-Owners Insurance Co	$175	$29
Acuity	$181	$30
American Family	$186	$31
Travelers	$186	$31
Progressive	$192	$32
Chubb	$198	$33
State Farm	$215	$36
Farmers	$333	$57
Allstate	$440	$74
Secura	$152	$26

Cheapest Full Coverage Car Insurance in West Baraboo

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in West Baraboo is AAA at $45 per month and $265 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Baraboo, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$265	$45
West Bend Mutual	$395	$66
IMT Insurance Company	$434	$74
Auto-Owners Insurance Co	$440	$73
Chubb	$451	$77
Acuity	$485	$82
American Family	$491	$83
Travelers	$503	$85
Erie	$587	$99
USAA	$683	$115
Rockford Mutual	$716	$122
Nationwide	$773	$130
Rural Mutual	$796	$135
State Farm	$796	$134
Progressive	$931	$157
Farmers	$993	$165
Allstate	$1151	$194
Secura	$610	$102
Hastings Mutual	$722	$123

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Average Car Insurance in West Baraboo by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in West Baraboo, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in West Baraboo, Wisconsin, may be increasing due to several external factors. Wisconsin has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, West Baraboo's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in West Baraboo

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$455
30s	USAA	$366
40s	USAA	$332
50s	USAA	$314
60s	USAA	$328
70s	USAA	$404

Cheapest Car Insurance Rates for Teen Drivers in West Baraboo,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the West Baraboo at $31 per month. At $3639 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$186	$31
Travelers	$192	$32
Auto-Owners Insurance Co	$220	$37
Western National	$220	$37
West Bend Mutual	$248	$42
USAA	$818	$138
Erie	$841	$142
American Family	$1016	$171
Acuity	$1547	$260
State Farm	$1783	$300
Progressive	$2574	$433
Allstate	$3392	$571
Farmers	$3639	$607

Teen Car Insurance Rates in WI by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in West Baraboo.

As young drivers face the highest rates in West Baraboo, USAA offers the cheapest auto insurance rates at $455 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in West Baraboo, Western National is the cheapest car insurance provider. At $142 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in West Baraboo is Allstate, offering rates of around $1749 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$142	$24
AAA	$158	$27
West Bend Mutual	$203	$34
Chubb	$226	$38
IMT Insurance Company	$226	$38
Travelers	$265	$45
Acuity	$559	$94
American Family	$643	$108
State Farm	$689	$115
Erie	$745	$125
Progressive	$869	$146
Allstate	$1749	$297

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Save up to $971/yr on car insurance rates in West Baraboo.

Car Insurance Rates with An Accident in West Baraboo

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In West Baraboo, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Baraboo

The cheapest car insurance companies after an at-fault accident in West Baraboo include Western National and Rural Mutual, offering $142 and $163, respectively. Allstate is an expensive provider with an average six-month premium of $1716.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$142	$24
Rural Mutual	$163	$28
Auto-Owners Insurance Co	$215	$36
AAA	$220	$37
Chubb	$226	$38
Travelers	$226	$38
West Bend	$237	$40
West Bend Mutual	$282	$48
Auto-Owners	$294	$48
Erie	$451	$76
USAA	$451	$76
American Family	$683	$115
Acuity	$716	$121
State Farm	$722	$122
Farmers	$1365	$228
Progressive	$1518	$256
Allstate	$1716	$289

West Baraboo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Baraboo WI. For example, the car insurance in West Baraboo after a DUI increases to $750 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.

West Baraboo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$807	$135
One Med/PIP claim	$812	$138
Not-at-fault accident	$846	$142
One comp claim	$858	$146
Two Med/PIP claims	$869	$144
Failure to show documents	$881	$150
Driving with expired registration	$903	$150
Failure to wear a seat belt	$908	$155
Two comp claims	$925	$154
Driving without lights	$960	$163
Child safety restraint	$965	$161
Speeding 6 - 10 MPH over limit	$971	$165
At-fault accident - less than $1000	$982	$163
Cell phone violation	$988	$168
Driving too slowly	$993	$165
Failure to yield	$993	$169
Speeding in school zone	$993	$165
Illegal turn	$998	$170
Speeding 11 - 15 MPH over limit	$998	$166
Speeding 16 - 20 MPH over limit	$998	$170
Texting while driving	$998	$166
Wrong way/wrong lane	$998	$170
Failure to stop at a red light	$1010	$168
Following too closely	$1010	$172
Improper passing	$1038	$173
Passing school bus	$1055	$180
In 65 MPH zone	$1112	$185
At-fault accident - $1000-$2000	$1157	$197
Speeding 21 - 25 MPH over limit	$1157	$193
Operating a vehicle without permission	$1163	$198
At-fault accident - greater than $2000	$1169	$195
Open container	$1179	$200
Reckless driving	$1524	$254
Racing	$1530	$260
Refusal to submit to a chemical test	$1541	$257
Driving with a suspended license	$1547	$263
Leaving scene of an accident/hit and run	$1552	$258
DUI	$1557	$265

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in West Baraboo after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in West Baraboo.

The cheapest car insurance premiums in West Baraboo are offered by Western National at $142 for a six-month policy. However, it can be as expensive as $1371 with companies like Allstate.

West Baraboo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$142	$24
Chubb	$226	$38
Travelers	$265	$45
West Bend	$316	$52
Kemper	$322	$55
USAA	$593	$100
Erie	$615	$104
American Family	$700	$118
Progressive	$841	$142
State Farm	$903	$152
Farmers	$1315	$223
Acuity	$1326	$221
Allstate	$1371	$231

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in West Baraboo are offered by Western National at $142. However, it can be as expensive as $1275 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Baraboo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$142	$24
AAA	$181	$30
Auto-Owners Insurance Co	$198	$33
Travelers	$220	$37
Chubb	$226	$38
West Bend Mutual	$259	$44
Erie	$401	$67
State Farm	$468	$79
American Family	$474	$80
Acuity	$564	$95
Progressive	$745	$125
Allstate	$1275	$217

Car Insurance Price Trends in West Baraboo, Wisconsin

Car insurance rates in West Baraboo have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the West Baraboo rose by $119 in December compared to $116 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the West Baraboo rose to $32 in December, compared to $30 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in West Baraboo?

The car insurance in West Baraboo is $19 per month, which is lower than the national average.

What is the cheapest car insurance in West Baraboo?

The cheapest car insurance in West Baraboo is $45 per month for full coverage.

How much is car insurance in West Baraboo for teenagers?

Car insurance for teenagers costs $186 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in West Baraboo?

The average cost of car insurance is $677 for a six-month policy. It will cost around $108 per month to insure your car in West Baraboo.

Is car insurance expensive in West Baraboo?

Car insurance can be expensive in West Baraboo if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in West Baraboo can be affordable.

Cheapest Car Insurance Quotes in West Baraboo

Why you can trust Way?

How Much Is Car Insurance in West Baraboo

Avg. Car Insurance in West Baraboo

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in West Baraboo

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

West Baraboo Car Insurance Rates by Company

Cheap Car Insurance Companies in West Baraboo, WI

Way's key takeaways about car insurance in West Baraboo

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Baraboo

Cheapest Liability Coverage in West Baraboo, WI

Cheapest Full Coverage Car Insurance in West Baraboo

Cheapest Full Coverage Car Insurance Quotes in West Baraboo, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Baraboo by Rating Factor

I have a clean driving record. Why is my car insurance rate here in West Baraboo, WI increasing?

Car Insurance Premiums by Age in West Baraboo

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Baraboo,WI

If you are in your twenties USAA is the best choice for car insurance in West Baraboo.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in West Baraboo

Cheapest Car Insurance Companies after an At-Fault Accident in West Baraboo

West Baraboo Car Insurance Rates by Violation

West Baraboo auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Baraboo after a DUI

West Baraboo car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Baraboo after Speeding ticket

Car Insurance Price Trends in West Baraboo, Wisconsin

Average Car Insurance Cost in West Baraboo by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Baraboo, WI

Car Insurance Rates by State in the USA (2025 Update)

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