Noblr Insurance Review & Ratings (2023)

This Noblr Insurance Review will cover Noblr Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.

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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: Mar 22, 2023

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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 Insurance is a modern insurance company that uses telematics to personalize rates and provide customers with a better understanding of their driving habits.

They offer competitive rates, unique discounts, and a user-friendly app that allows customers to track their driving behavior and earn rewards. This review will cover the company’s history, mission, products, discounts, customer reviews, strengths, and weaknesses.

Interesting Attributes of Noblr Insurance:

  • Uses telematics to personalize rates
  • Offers unique discounts based on driving behavior
  • Provides customers with a user-friendly app to track driving habits

When it comes to insurance, finding the right company can be a daunting task. With so many options available, it can be challenging to determine which one is the best fit for you. Noblr Insurance is a modern insurance company that aims to provide customers with personalized rates based on their driving habits.

With its innovative use of telematics, Noblr is changing the way we think about insurance. In this review, we’ll take a closer look at Noblr Insurance and what sets it apart from other insurance providers.

Noblr Insurance History and Mission

Noblr Insurance was founded in 2017 by Gary Tolman, a former CEO of Esurance. The company is based in San Francisco, California, and is currently available in 17 states.

Noblr’s mission is to provide customers with personalized insurance coverage that takes into account their individual driving habits. The company believes that insurance should be fair, transparent, and rewarding, and they use telematics to achieve this goal.

Noblr uses a unique approach to insurance by tracking customers’ driving behavior through its SmartRide program and adjusting rates accordingly. The company’s goal is to provide a more accurate representation of risk, which can result in lower premiums for customers who exhibit safe driving behaviors.

Noblr aims to simplify the insurance process and provide customers with a more user-friendly experience through its app and personalized approach to coverage.

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Types of Insurance Offered by Noblr

Noblr is a US-based insurance company that offers a range of insurance products to its customers. Here are the types of insurance offered by Noblr:

  • Auto insurance: Noblr’s primary offering is usage-based auto insurance. This means that the premiums are based on the actual driving behavior of the policyholder, as recorded by a mobile app that tracks driving habits such as speed, braking, and acceleration.
  • Home insurance: Noblr offers homeowners insurance, which provides coverage for the structure of the home, personal property, and liability protection. The coverage can be customized to suit the individual needs of the policyholder.
  • Renters insurance: Noblr offers renters insurance, which provides coverage for personal property and liability protection for renters.
  • Umbrella insurance: Noblr offers umbrella insurance, which provides additional liability protection beyond the limits of a standard auto or home insurance policy.
  • Commercial auto insurance: Noblr also offers commercial auto insurance, which provides coverage for vehicles used for business purposes.

The Cost of Coverage With Noblr Insurance

Noblr offers usage-based insurance, which means that the cost of coverage varies based on the individual policyholder’s driving behavior. Here are the possible costs of coverage with Noblr:

  • Base premium: This is the fixed portion of the premium that covers the basic costs of insurance, such as administrative expenses and profit.
  • Usage-based premium: This is the portion of the premium that is based on the policyholder’s driving behavior, as recorded by the mobile app. The premium may be adjusted up or down based on factors such as speed, braking, acceleration, and time of day.
  • Discount or surcharge: Noblr offers discounts for safe driving behavior, such as avoiding distracted driving or driving during low-risk times of the day. Conversely, a surcharge may be added for unsafe driving behavior.
  • Deductible: This is the amount that the policyholder must pay out of pocket before insurance coverage kicks in. Noblr offers a range of deductibles, and the premium may be adjusted based on the chosen deductible amount.
  • Coverage limits: The premium may also vary based on the coverage limits chosen by the policyholder. Higher coverage limits typically result in a higher premium.
  • Additional coverage: Noblr offers additional coverage options, such as roadside assistance and rental car reimbursement, which may increase the premium.

Areas Where Noblr Insurance is Offered

Currently, Noblr Insurance is available in 17 states across the United States. These states include:

  • Arizona
  • Colorado
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Missouri
  • Montana
  • Ohio
  • Oregon
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah

If you’re interested in finding out if Noblr Insurance is available in your state, here are the five steps you can take:

  1. Visit the Noblr Insurance website.
  2. Scroll down to the bottom of the homepage and click on “States We Serve” in the footer section.
  3. You will be redirected to a page that lists all the states where Noblr Insurance is currently available.
  4. If your state is listed, you can click on it to learn more about the specific coverage options and rates available in your area.
  5. If your state is not listed, you can enter your email address on the page to be notified when Noblr expands to your area.

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Discounts Available From Noblr Insurance

Noblr offers a range of discounts to policyholders who exhibit safe driving behavior or meet other criteria. Here are some of the discounts available from Noblr Insurance:

  • Safe driver discount: Policyholders who exhibit safe driving behavior, such as avoiding sudden stops, hard turns, and excessive speed, may be eligible for a safe driver discount.
  • Low mileage discount: Policyholders who drive less than the average number of miles per year may be eligible for a low mileage discount.
  • Good student discount: Policyholders who maintain good grades in school may be eligible for a good student discount.
  • Bundling discount: Policyholders who purchase multiple policies from Noblr, such as auto and home insurance, may be eligible for a bundling discount.
  • Pay in full discount: Policyholders who pay their premium in full at the beginning of the policy period may be eligible for a pay in full discount.
  • Defensive driving discount: Policyholders who complete a state-approved defensive driving course may be eligible for a defensive driving discount.
  • Anti-theft device discount: Policyholders who install an approved anti-theft device in their vehicle may be eligible for an anti-theft device discount.

Customer Reviews of Noblr Insurance

Customer reviews of Noblr Insurance are generally positive, with many customers praising the company for its innovative use of technology to personalize rates and promote safe driving habits. However, there are also some negative reviews that cite issues with customer service and claims processing. Here is an overview of customer reviews of Noblr Insurance:


  • Many customers appreciate the telematics technology used by Noblr to track driving habits and reward safe driving behaviors with lower premiums.
  • Customers appreciate the personalized rates and the ability to see their driving data and make adjustments to their habits to save money.
  • The online and mobile app tools provided by Noblr make it easy for customers to manage their policies and make changes when necessary.


  • Some customers have reported issues with the claims process, including delays in getting claims resolved and difficulty reaching customer service representatives.
  • The fact that Noblr does not offer traditional discounts, such as those for good drivers or low-mileage usage, can be a disadvantage for some customers.
  • The requirement to have a smartphone and download the Noblr app to use the telematics technology can be a barrier for some potential customers.

Roundup: Noblr Insurance

Noblr Insurance is an innovative auto insurance company that uses telematics technology to personalize rates and promote safe driving habits. By tracking driving behavior through a smartphone app, Noblr can offer lower premiums to safe drivers and reward good driving habits.

The company’s mission is to make insurance more transparent and fair for consumers. Noblr offers several types of coverage, including liability, collision, and comprehensive insurance, and operates in several states across the U.S.

The cost of Noblr’s policies can vary depending on a variety of factors, including driving behavior and policy details, and the company offers several discounts to help customers save money.

While customer reviews are generally positive, some customers have cited issues with the claims process and customer service. Overall, Noblr Insurance offers an innovative approach to insurance that may be a good fit for drivers who value personalized rates and safe driving habits.

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