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Finding the cheapest car insurance quotes in Robert shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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
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steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Robert
The car insurance rate in Robert is $1643 for a six-month policy, which is $136 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $531, making it a popular choice for budget-conscious drivers. Rates in Robert 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.
At $531 for a six
month policy, Louisiana Farm Bureau offers
the cheapest
auto
insurance rates in the city.
2nd place: Farm Bureau
Farm Bureau offers auto
insurance rates at $1159 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Southern Farm Bureau
Southern Farm Bureau offers auto insurance
rates at $1204
for six months, making it
the third cheapest auto insurance company in Robert.
Robert Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Robert, LA is Louisiana Farm Bureau, offering policies at just $531 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1159.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2344 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Robert drivers find the best deals.
The auto insurance costs in Robert fall around $531 for six
months.
The cheapest auto insurance company in Robert is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Robert at $136 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Robert
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 Robert are given below.
Louisiana Farm Bureau provides
the cheapest minimum car insurance
coverage in Robert. Their Average 6 Month Premium is $253.
AAA is the most
expensive at $524 for the same
period.
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 Robert is Louisiana Farm Bureau
at $88 per month and $531
for six months.
Cheapest Full Coverage Car Insurance Quotes in Robert,
LA
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 Robert, LA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Robert, Louisiana, may be increasing due to several external factors.
Louisiana has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Robert's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Robert
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
$1088
30s
USAA
$883
40s
USAA
$813
50s
USAA
$777
60s
USAA
$829
70s
USAA
$850
Cheapest Car Insurance Rates for Teen Drivers in
Robert,LA
If you are planning to get a car insurance policy for your teenage
dependent, Louisiana Farm Bureau provides the cheapest car
insurance in the Robert at $69
per
month. At $803 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Robert.
As young drivers face the highest rates in Robert, USAA
offers the cheapest auto insurance rates at $1088 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 Robert,
Louisiana Farm Bureau is
the cheapest car insurance provider. At $453 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
Robert is State Farm, offering
rates of around $7076 for six
months.
Save up to $971/yr on car insurance rates in Robert.
Car Insurance Rates with An Accident in Robert
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 Robert, LA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Robert
The cheapest car insurance companies after an at-fault accident in
Robert include Louisiana Farm Bureau
and State Farm, offering $330
and $984,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1819.
Here is a list of driving violations that can increase your car
insurance rates in Robert LA. For example, the car
insurance in Robert
after a DUI increases to $1541 for a six
month policy. While the rate increases by $446 for a six-month policy in the case of
a speeding ticket.
Robert auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1787
$298
One Med/PIP claim
$1787
$304
Two Med/PIP claims
$1806
$301
Not-at-fault accident
$1813
$308
One comp claim
$1819
$303
Two comp claims
$1885
$320
Failure to wear a seat belt
$2105
$351
Failure to show documents
$2130
$362
Child safety restraint
$2163
$361
Driving without lights
$2163
$367
Driving with expired registration
$2202
$367
Driving too slowly
$2233
$379
Speeding 11 - 15 MPH over limit
$2233
$373
Speeding 16 - 20 MPH over limit
$2233
$379
Speeding 6 - 10 MPH over limit
$2233
$373
Speeding in school zone
$2233
$379
In 65 MPH zone
$2240
$374
Cell phone violation
$2260
$384
Texting while driving
$2260
$377
Wrong way/wrong lane
$2260
$384
At-fault accident - less than $1000
$2273
$378
Failure to stop at a red light
$2273
$387
Failure to yield
$2273
$378
Following too closely
$2273
$387
Illegal turn
$2273
$378
Improper passing
$2273
$387
Passing school bus
$2292
$382
Speeding 21 - 25 MPH over limit
$2292
$390
Open container
$2357
$392
Operating a vehicle without permission
$2519
$428
At-fault accident - $1000-$2000
$2583
$431
At-fault accident - greater than $2000
$2583
$439
Reckless driving
$3121
$520
Refusal to submit to a chemical test
$3173
$540
DUI
$3328
$555
Racing
$3354
$570
Leaving scene of an accident/hit and run
$3380
$564
Driving with a suspended license
$3393
$577
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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 Robert 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 Robert.
The cheapest car insurance premiums in
Robert are
offered by Louisiana Farm Bureau at $363 for a six-month policy.
However, it can be as
expensive as $881 with companies
like AAA.
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 Robert are offered by Louisiana Farm Bureau
at $298. However,
it can be as expensive as $2079
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Robert after Speeding ticket
Car insurance rates in Robert have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Robert rose by
$330 in December
compared to $326 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Robert rose to $90 in December,
compared to $83 in November.
This represents an increase of $7
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Robert. At $3285 for a
six-month policy, insuring
your car at 70455 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Robert?
The car insurance in Robert is $43 per month, which is lower than the national average.
What is the cheapest car insurance in Robert?
The cheapest car insurance in Robert
is $88 per month
for full coverage.
How much is car insurance in Robert for teenagers?
Car insurance for teenagers costs $414 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
Robert?
The average cost of car insurance is $1507 for a six-month
policy. It will cost around $276 per month to insure your
car in Robert.
Is car insurance expensive in Robert?
Car insurance can be expensive in Robert if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Robert can be
affordable.
What is the best car insurance in Robert,
LA?
The best car insurance company in Robert
LA is
Louisiana Farm Bureau, offering $531 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Robert, LA
Car Insurance Rates by State in the USA (2025 Update)
Robert Car Insurance
