Noblr Insurance Review & Ratings (2022)

Noblr car insurance is offered online, but coverage is only available in eight states. Noblr auto insurance rates are calculated in two ways. First, your personal factors determine your fixed monthly rate. Second, the Noblr car insurance app monitors certain driving behaviors like mileage to charge you a variable monthly rate. Noblr only offers three discounts, so drivers can only save money based on how they drive.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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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)

Noblr car insurance is offered online, and rates are partially based on your specific driving behaviors, such as mileage and the time of day you drive.

While some drivers can find affordable Noblr car insurance, rates will depend on your personal factors and the behaviors monitored by Noblr. If Nolbr is one of the companies you are considering, there’s a lot you need to know. We’ll cover rates, coverage, discounts and more in this review.

Always shop around before you settle on a car insurance company. Every company will offer different rates, so compare multiple companies to find the best deal for you.

Keep reading our Noblr car insurance review to learn more. Enter your ZIP code before you begin to compare free car insurance quotes from companies in your area.

What are Noblr car insurance rates?

Noblr offers online car insurance to drivers in Arizona, Colorado, Louisiana, Maryland, Ohio, Pennsylvania, New Mexico, and Texas.

Even though you can get Noblr car insurance quotes through the website, it’s hard to get an accurate quote because your overall rate will vary from month to month.

Noblr breaks rates down into two parts. The first part is the fixed monthly rate. This rate is determined by the usual factors that affect car insurance such as your age and driving record.

This table shows just how much your driving record affects your rates. Drivers with accidents, tickets, and DUIs will pay much higher rates than drivers with a clean record.

Average Annual Car Insurance Rates by Driving History
CompanyAverage Annual Rates With Clean RecordAverage Annual Rates With 1 AccidentAverage Annual Rates With 1 DUIAverage Annual Rates With 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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The second part of Noblr’s rates is based on your driving behaviors. Noblr uses telematics through its app to monitor your driving. Your rate depends on your driving habits.

Driving behaviors monitored by Noblr include:

  • How many miles you drive each month – More mileage equals an increased chance of an accident
  • How smoothly you drive – Hard braking or acceleration shows a lack of attention or aggressive driving
  • The time of day you drive – Driving late at night or early in the morning leads to more accidents
  • The type of road you drive on – Interstate driving is less risky than driving on surface roads

Poor performance in these areas can lead to more accidents. Noblr aims to reward drivers with less risky driving. Safer driving will save you money.

Telematics can do more than just save you money, though. The Insurance Information Institute reports that telematics can make you a safer driver all around. Drivers who get immediate feedback are much more likely to adjust bad driving behaviors.

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What car insurance coverages does Noblr offer?

Noblr only offers car insurance. Drivers who are looking to bundle other policies with their car insurance won’t find what they are looking for with Noblr. Nolbr partners with Hippo to offer home and renters insurance, however, there’s no bundling discount.

Coverages offered by Noblr include:

  • Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Personal Injury Protection
  • Uninsured/underinsured motorist
  • Rental car
  • Roadside assistance

The amount of auto insurance required will be determined by each state. Although only the bare minimum of insurance is required, experts recommend that you add coverages like collision and comprehensive to guarantee that you are fully protected.

What car insurance discounts are available with Noblr?

Drivers are always looking to save money on car insurance, and discounts are an easy way to lower rates.

Most insurance companies offer a wide variety of discounts so drivers can take advantage of multiple discounts for the most savings.

However, Noblr only offers three car insurance discounts:

  • New customer discount when you first sign up
  • Paid-in-full discount when you pay the entire six months of your fixed rate
  • Renewal discount when you renew your policy after six months

There’s no discount for bundling multiple policies since Noblr only writes only car insurance.

For comparison, this table shows you common car insurance discounts from the top companies. The amount of the discount is listed if it is available.

Car 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/A107x
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
Engaged CoupleN/AN/AN/AN/AN/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
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
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
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 DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/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
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If you like the idea of telematics to save money, many companies offer a driving device or app car insurance discount.

Discounts are so significant, they can change which insurance company is the best deal for you. Even if a company has lower quoted rates, discounts can make another company the cheapest.

Who qualifies for Noblr car insurance?

Because Noblr is owned by USAA, you need to meet elebibility requirements to get coverage. USAA only insures members of the military and thair families.

You will need to be a USAA member to get Noblr car insurance.

How do you cancel Noblr car insurance?

There are many reasons you may want to cancel your Noblr insurance, such as finding a better deal with another company. The good news is that it is easy to cancel.

To cancel Noblr car insurance, call customer service at 1-877-236-6257 or send an email to [email protected] You will need to provide information like the name on the policy, your address, policy number, and the date of cancellation.

But, before you cancel your car insurance, there are certain steps you should follow to make the switch painless.

Steps to canceling car insurance are:

  • Find out when your Noblr policy ends. If you cancel during your first six months with Noblr, you may have to pay a cancellation fee. Noblr policies are only six months long so it might be better to just switch when your policy ends.
  • Shop around for new coverage. Your personal factors determine your rates, and every company will look at them differently. Don’t forget to ask for discounts when comparing rates.
  • Finalize your new car insurance policy. Complete your paperwork, make a payment, and select your start date.
  • Let Noblr know that you are canceling or not renewing. Make sure your new policy begins a day or two before your Noblr policy ends to avoid a lapse in coverage.

It’s very important that you have new coverage in place before your Noblr policy ends. A lapse in coverage can lead to fines, driver’s license suspension, and possible jail time.

Your car insurance rates will also be much higher when you do restart coverage.

How do you file a car insurance claim with Noblr?

Filing a claim with Noblr is also easy. Call customer service or begin the claims process through the app.

Noblr doesn’t offer a lot of information about its claims process, but most of the poor company reviews revolve around claims and customer service.

It’s also important to remember that filing a claim can raise your car insurance rates.

If damage is minimal and you can afford it, consider paying out of pocket for repairs. While you will pay more upfront, keeping your rates low will save you money over time.

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What are the Noblr car insurance ratings?

Although low rates are important, how well a company rates in stability, customer interaction, and usability is also important.

A.M. Best rates companies on financial stability, but the Noblr car insurance company hasn’t been around long enough to be rated.

However, Noblr is owned by USAA. USAA has earned an A+ rating from A.M. Best, showing a superior ability to meet financial obligations. Drivers can be confident Noblr is backed by a very stable company.

The Better Business Bureau rates companies on how well they interact with customers. Noblr earned an A- rating despite complaints.

Because Noblr uses an app for driver interactions and to determine rates, it’s very important that it performs well. However, the Noblr app only rated 3.8/5 in the Google Play Store and 3.9/5 in the Apple App Store.

Noblr Car Insurance: The Bottom Line

While Noblr offers low car insurance rates to drivers with certain behaviors, not all drivers will benefit.

Drivers who work very late or very early, have a long commute, or only take surface streets won’t see any saving from Noblr.

Since Noblr only offers three car insurance discounts, drivers can’t save money that way either.

Compare rates, discounts, and ratings from multiple car insurance companies before you decide which one is right for you.

We hope you’ve learned all you need to know about Noblr auto insurance. Enter your ZIP code to compare free quotes from car insurance companies near you before you go.

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