Baraboo drivers pay an average of $1,447/year — $324 less than the national average. With 144 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $247/year.
(888) 217-6781Estimated full coverage auto insurance rates for Baraboo, WI from top carriers. Rates are adjusted for Baraboo's 144 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $549 | $92/mo |
| Rural Mutual | $577 | $96/mo |
| Progressive | $615 | $103/mo |
| American Family | $648 | $108/mo |
| State Farm | $676 | $113/mo |
Estimates based on 2026 rate filings for ZIP 53913. GEICO is cheapest at ~$92/mo. Actual rates vary by driver profile and exact Baraboo location.
These Baraboo-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Baraboo, WI. Takes under 2 minutes.
(888) 217-6781Baraboo is a smaller city in Wisconsin with a population of 12,556. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as blizzards, severe thunderstorms, tornadoes, ice, lake-effect snow, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Baraboo.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Baraboo can swing your premium by hundreds of dollars. Here's how rates compare across Baraboo neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 53928 | Baraboo South Side | $1,338/yr | $112/mo |
| 53916 | Baraboo North Side | $1,418/yr | $118/mo |
| 53917 | Baraboo West Side | $1,423/yr | $119/mo |
| 53921 | Baraboo East Side | $1,497/yr | $125/mo |
| 53913 | Baraboo Downtown/Central | $1,583/yr | $132/mo |
The cheapest ZIP is 53928 (Baraboo South Side) at $1,338/yr. The most expensive is 53913 (Baraboo Downtown/Central) at $1,583/yr — a $245/year difference for the same driver.
Your Baraboo ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Baraboo. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,039/yr | $253/mo | +110% vs avg |
| Young Adult (20-25) | $2,026/yr | $169/mo | +40% vs avg |
| Adult (26-35) | $1,447/yr | $121/mo | 0% vs avg |
| Mid-Career (36-50) | $1,273/yr | $106/mo | -12% vs avg |
| Senior (51-65) | $1,201/yr | $100/mo | -17% vs avg |
| 65+ | $1,288/yr | $107/mo | -11% vs avg |
Teens in Baraboo pay an average of $3,039/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,201/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Wisconsin cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Baraboo drivers can save up to $247/year. ZIP 53928 (Baraboo South Side) has the lowest rates starting at $1,338/yr.
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