Noblr Auto Insurance Review (2022)

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.

Compare Quotes from Top Companies and Save

secured lock Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Aug 17, 2022

Advertiser Disclosure

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.

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.

Company Details
Address: 1 Union St Suite 210
City: San Francisco
State: CA
ZIP Code: 94111
Phone Number: (877) 236-6257
Year Founded: 2015
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Every 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.

More: Liberty Mutual RightTrack Review (2022)

Before you buy Noblr auto 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.

What are Noblr auto insurance rates?

Noblr is an auto insurance company that uses telematics to offer drivers low rates. Although it’s only been around since 2015, USAA bought the company not long ago.

More: TruStage Auto Insurance Review

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 auto insurance 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.

More: Dollar-a-Day Auto Insurance

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.

What driving habits does Noblr monitor?

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.

More: Costco Auto Insurance Review (2022)

This table shows average auto insurance rates from top companies based on driving records. Check out how much poor driving affects rates.

Average Annual Auto Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One DUI
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

What auto insurance coverages does Noblr offer?

More: GM Auto Insurance Review (2022)

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.

What auto insurance discounts are available with Noblr?

More: The Zebra Auto Insurance Review (2022)

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

More: NerdWallet Auto Insurance Review (2022 Guide)

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
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device / AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging / StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New Customer / New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingN/A$30$233
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Passive Restraint4020x40
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
Get Your Rates Quote Now

Compare RatesStart Now →

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.

How do you cancel Noblr auto insurance?

More: GEICO Defensive Driving Course

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 do you file an auto insurance claim with Noblr?

You can begin the claims process one of two ways.

First, you can call 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 reviews talk about the claims process.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

What are the Noblr auto insurance 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 Auto 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 about Noblr car insurance. Enter your ZIP code before you go to compare free auto insurance quotes from companies in your area.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption