Noblr Auto Insurance Review (2024)
Noblr auto insurance offers drivers lower rates based on your driving behaviors. The Noblr car insurance app monitors habits such as braking and accelerating, miles that are driven, and the time of day the drive occurs to partially calculate rates. Noblr is a new auto insurance company that is only available in a few states, and reviews show customer service and claims need work.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Aug 17, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Noblr
Average Monthly Rate For Good Drivers
$105A.M. Best Rating:
N/AComplaint Level:
LowEvery driver wants great coverage with low rates. However, the best auto insurance company for you might not be the one you expect.
Noblr auto insurance company is pretty new and offers usage-based car insurance. It uses your driving behaviors in part to determine your rates. The amount you pay depends on you. Safe driving can save you money.
This Noblr auto insurance review will help you find out if it’s right for you.
Before you buy Noblr car insurance, shop around. Compare multiple companies to see which one is the best fit for you.
Keep reading to learn more about Noblr auto insurance. Enter your ZIP code to compare free quotes from auto insurance companies near you today.
Noblr Pay-As-You-Drive Insurance: The Bottom Line
While you may get affordable Noblr auto insurance, it all depends on your driving behaviors. You won’t know until you’ve used the service.
You pay a fixed monthly rate and another rate that changes based on your driving with Noblr. Also, Noblr only offers a few discounts, so it’s hard to get lower rates.
Shop around to find the best auto insurance rates for you. Compare rates, discounts, and coverages to find the company that offers you the coverage you need with the lowest rates.
We hope that you’ve learned all you need to know in our Noblr review. Enter your ZIP code before you go to compare free auto insurance quotes from companies in your area.
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What You Should Know About Noblr
How to Cancel Noblr Insurance
There are many reasons you may need to cancel your policy with the Noblr auto insurance company. For example, you may want to cancel if you sell your vehicle or find a cheaper rate elsewhere.
To cancel Noblr auto insurance call customer service at 1-877-236-6257 or send an email to [email protected].
You will need to provide your name, address, policy number, and the date that you want your policy to end.
Make sure you have a new auto insurance policy in place before you cancel Noblr auto insurance. A lapse in car insurance can lead to fines and higher rates when you try to get car insurance again.
If you are within your first six months with Noblr, you may pay a cancellation fee. It’s not clear if you will receive a refund when you cancel if you have prepaid for your coverage.
Although you can cancel your policy at any time, it might be easier to wait until your policy ends to switch auto insurance companies.
How to File Noblr Insurance Claims
You can begin the Noblr claims process one of two ways.
First, you can call Noblr customer service at 1-877-236-6257 to file your claim.
Second, you even file your claim through the Noblr app.
Each auto insurance company has its own claims process to be followed. However, Noblr doesn’t discuss its process on the website.
Many of Noblr’s bad insurance reviews talk about the claims process.
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Noblr Reviews and Ratings
A.M. Best rates companies on how financially sound they are. Since Noblr hasn’t been around that long, it is not rated. However, USAA has an A+ rating, which means it has a strong financial standing.
The Better Business Bureau rates companies based on how well they interact with customers. Noblr has an A- rating and is accredited.
Since Noblr depends on its app to calculate rates and allow customers to access their accounts, app ratings matter. The Noblr app has a 3.8 rating on the Google Play store and a 3.9 rating on the Apple App store.
Noblr Insurance Coverage Options
Auto Insurance Coverages Offered by USAA’s Noblr
Noblr offers standard auto insurance coverage, including liability, collision, comprehensive, medical payments, personal injury protection, and uninsured motorist.
Every state has its own auto insurance laws. Although you only have to buy the legal minimum, experts suggest adding coverages such as collision and comprehensive to ensure you are fully protected.
Noblr also offers add-ons such as roadside assistance and rental car coverage.
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Noblr Insurance Rates Breakdown
Noblr is an auto insurance company that uses telematics to offer drivers low rates. Although it’s only been around since 2015, USAA bought Noblr not long ago. So, Noblr and USAA reviews are pretty much similar.
Noblr is only available in Colorado, New Mexico, Arizona, Texas, Louisiana, Ohio, Pennsylvania, and Maryland.
Noblr’s auto insurance rates use a two-part system. You can’t get an accurate Noblr quote because of the ways rates are broken down.
First, a fixed rate is calculated based on the standard factors that affect auto insurance rates. These factors include your age, driving record, and where you live.
Second, Noblr uses telematics in an app to monitor your driving behaviors and charges you a variable monthly rate based on the results. Drivers with good driving skills will see much lower rates.
Driving Habits Monitored by Noblr
The behaviors monitored by Noblr include:
- Hard braking and accelerating – This can show you are either not paying attention or are driving aggressively
- How far you drive – More time on the road means a greater chance of being in an accident
- What route you take – Driving on highways is considered safer than driving on city streets
- What time of day you drive – Late night and early morning driving can lead to more accidents
The way you drive affects more than just your safety. Your driving record is one of the most important factors for your rates.
This table shows average auto insurance rates from top companies based on driving records. Check out how much poor driving affects rates.
Sports Car Auto Insurance Rates by Driving Record
Insurance Company | Clean Record | One Accident | One Speeding Ticket | One DUI |
---|---|---|---|---|
AAA | $250 | $400 | $320 | $600 |
Allstate | $222 | $356 | $280 | $520 |
American Family | $200 | $350 | $250 | $400 |
Erie | $230 | $380 | $300 | $550 |
Farmers | $271 | $390 | $320 | $650 |
Liberty Mutual | $278 | $420 | $350 | $720 |
Nationwide | $200 | $350 | $250 | $450 |
Progressive | $280 | $450 | $380 | $700 |
State Farm | $150 | $300 | $200 | $400 |
Travelers | $250 | $400 | $320 | $600 |
According to the Insurance Information Institute, telematics can make you a safer driver. This is because telematics provides immediate feedback making you much more aware of your driving.
Using an auto insurance company such as Noblr can save you money and make you a better driver at the same time.
Noblr Discounts Available
Auto Insurance Discounts Available With Noblr Insurance by USAA
Most auto insurance companies offer a variety of discounts to help drivers get lower rates. However, Noblr’s discounts are limited.
Since Noblr only offers auto insurance, you can’t get a discount for bundling other policies such as homeowners or renters insurance.
The only auto insurance discounts offered by Noblr are:
- Paid-in-full discount for paying for the set portion of your policy in advance
- New customer discount when you first sign up with Noblr
- Renewal discount when you opt to renew your policy after the six-month term
Drivers can also get a $25 Amazon gift card for referring other drivers.
To get an idea of discounts other auto insurance companies offer, check out this table. The discount amount is listed if it is known.
Auto Insurance Discounts by Company
Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
---|---|---|---|---|---|---|---|---|---|---|
Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
Even if initial rates are higher with another insurer, discounts can reduce your rates significantly. That means another auto insurance company may be cheaper after discounts.
Frequently Asked Questions
Does Noblr offer roadside assistance?
Yes, Noblr offers roadside assistance as an optional add-on to your auto insurance policy. This coverage can provide you with assistance in case of a breakdown, flat tire, or other roadside emergencies.
Can I customize my coverage with Noblr?
Yes, Noblr allows you to customize your coverage based on your specific needs. You can choose from different coverage options and policy limits to tailor your auto insurance to your requirements.
Are rental car expenses covered by Noblr?
Noblr offers rental car coverage as an optional add-on. This coverage helps reimburse you for the cost of renting a vehicle while your car is being repaired after a covered accident.
Does Noblr offer discounts for safe driving?
Yes, Noblr rewards safe driving behaviors with lower rates. By monitoring your driving habits, such as braking, accelerating, and mileage, Noblr can calculate personalized rates based on your individual driving performance.
Can I add multiple vehicles to my Noblr policy?
Yes, Noblr allows you to add multiple vehicles to your policy. Whether you have one car or a whole fleet, you can insure them under a single policy with Noblr.
Does Noblr provide coverage for ridesharing services?
Yes, Noblr offers coverage for ridesharing services such as Uber and Lyft. If you drive for these platforms, you can ensure that you have the necessary coverage while using your vehicle for commercial purposes.
Is Noblr Insurance legit?
Noblr car insurance reviews suggest that it is a legitimate company that offers pay-per-mile insurance through USAA.
What’s Noblr’s phone number?
Noblr Insurance customer service number is: (855) 596-3655.
What is Noblr insurance?
Noblr is a car insurance company that offers pay-as-you-drive insurance policies through USAA. This means that rather than using a standard fixed rate, Noblr adjusts premiums based on actual driving behavior.
How does Noblr insurance work?
Noblr operates on a usage-based model that adjusts premiums based on your driving behavior, evaluating factors such as your speed, the time of day you drive, braking habits, and total miles driven.
What are Noblr rewards?
Noblr’s model is designed to reward safe driving behaviors with lower insurance costs.
How to log in to my Noblr insurance account?
To log in to your Noblr account, you must go to the USAA website. Then, you’ll need to enter your username and password that you set up when you registered for your account.
Can I find Noblr Insurance in AZ?
Yes, you can obtain Noblr Insurance in the state of Arizona. Noblr insurance phone number in AZ is the same as Noblr auto insurance phone number for general inquiries and quotes: (855) 596-3655
Is Noblr part of USAA?
Yes, Noblr Insurance is part of USAA.
When did USAA acquire Noblr?
In July 2021, USAA acquired Noblr.
Who owns USAA company?
USAA is a member-owned association, which means that it is owned by its members who hold insurance policies with the organization.
Who qualifies for a USAA account?
USAA membership is primarily available to active, retired, and honorably separated officers and enlisted personnel of the U.S. military.
Who is USAA for?
USAA is primarily for members of the U.S. military community and their families
Is USAA only for military members?
While USAA primarily serves the military, their family members (spouses, widows, widowers, etc.) can also qualify.
Is switching to USAA worth it?
USAA can be worth it for those who qualify, especially if they are looking for policies tailored to the needs of military members and their families.
Does USAA still exist?
Yes, USAA continues to be a major insurance provider, primarily catering to the U.S. military community and their families.
What makes USAA so good?
USAA consistently achieves high ratings in customer satisfaction. In addition, the company offers a wide range of products tailored to military needs at competitive rates.
What is USAA’s annual fee?
USAA membership is free.
Do I qualify for USAA insurance?
To qualify for USAA insurance, you need to be part of the USAA membership. This includes the Army, Navy, Air Force, Marines, Coast Guard, National Guard, and Reserves.
How to qualify for USAA insurance?
Identify your or your family member’s military service or USAA membership. Have military documents or information about the USAA member’s policy ready for verification. Contact USAA directly or visit their website to apply for membership.
What is the minimum amount to open a USAA account?
USAA generally requires a deposit of $25 or more using a checking, savings, Visa® or Mastercard account.
How much is USAA full coverage?
The cost of full coverage with USAA can vary depending on several factors such as the insured’s driving history, the type of vehicle, location, and the specific coverage limits. On average, full coverage car insurance with USAA costs $234/mo.
What’s USAA’S insurance eligibility?
According to USAA eligibility criteria, coverage is available to active and retired military members and their families. This includes active-duty, former military, cadets, widows, current or un-remarried spouses, and children.
Is Noblr insurance phone number the same as USAA?
No, Noblr and USAA have separate customer service and contact numbers, even though Noblr is a part of USAA.
Can I join USAA?
To join USAA, you need to meet specific eligibility criteria, such as being a current or former member of the military.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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