Noblr Auto Insurance Review [2022]

Noblr auto insurance offers completely digital coverage in eight states. However, USAA just purchased Noblr and is offering telematics-based coverage to drivers. Noblr uses a combination of fixed and variable rates based on personal factors like driving records and telematics that monitor driving behaviors like distracted driving. Because Noblr car insurance isn’t widely available and rates are partially based on driving habits, coverage might not be right for everyone.

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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...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 17, 2021

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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
Website: www.noblr.com/
Year Founded: 2015
AM Best Rating: N/A
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Noblr auto insurance combines personal factors with telematics to offer many drivers much lower rates. However, Noblr is only available in eight states.

Even though Noblr is new to the insurance industry, it was just bought by USAA, one of the best auto insurance companies out there.

Before you buy Noblr auto insurance, shop around. Compare companies to see who can offer you great coverage with low rates.

Read our Noblr auto insurance review to learn more. Before you start, enter your ZIP code to compare free auto insurance quotes from companies in your area.

What is Noblr auto insurance?

Noblr offers usage-based auto insurance to drivers in Arizona, Colorado, Louisiana, Maryland, Ohio, Pennsylvania, New Mexico, and Texas.

Although Noblr only began in 2015, it was purchased by USAA in 2021.

It’s important to remember that USAA only offers auto insurance to members of the military and their families. This means that since Noblr has been purchased by USAA, it will also now only offer coverage to members of the military.

What are Noblr auto insurance rates?

Noblr car insurance rates are divided into a fixed monthly rate and a variable monthly rate.

This makes it difficult to get an accurate Noblr auto insurance quote. However, Noblr does promise that your rates for your first six months won’t go over a maximum amount.

The fixed monthly rate is based on the usual factors that affect your auto insurance, such as your driving record.

To give you an idea of how your driving record affects your rates, check out this table showing average annual rates from top companies.

Average Annual Auto 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
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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Noblr won’t offer you coverage if you have a DUI or excessive accidents and tickets.

The second part of your Nobr rates is calculated using telematics in the app. The Noblr app is downloaded to your phone and monitors certain driving habits. The safer you drive, the lower your rates will be.

Driving behavior monitored by Noblr include:

  • Mileage
  • Types of roads driven
  • Time of drives
  • Hard braking and acceleration
  • Distracted driving

Telematics can do more than just save you money. According to the Insurance Information Institute, telematics makes drivers safer by offering immediate feedback. This feedback encourages drivers to make corrections to dangerous behaviors.

What auto insurance coverages does Noblr offer?

Noblr only offers auto insurance, and standard coverages include liability, collision, comprehensive, personal injury protection, medical payments, and uninsured/underinsured motorists insurance.

Noblr also offers free roadside assistance to drivers. The service can be used up to three times in each six-month policy period.

Since Noblr only offers auto insurance, drivers will have to look elsewhere for other coverages. However, it does partner with Hippo for homeowners insurance and Toggle for renters insurance.

What auto insurance discounts are available with Noblr?

Auto insurance discounts are a great way for drivers to get lower rates. While most insurance companies offer a variety of discounts, Noblr only offers three.

Noblr auto insurance discounts offered are:

  • New customer discount
  • Paid-in-full discount
  • Renewal discount

Although Noblr customers can also get a $25 gift card for referrals, there aren’t many other ways for drivers to save.

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

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/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/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/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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As you can tell, discounts can have a significant impact on auto insurance rates. In fact, they can be the deciding factor as to which company is a better deal for you.

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How do you cancel Noblr auto insurance?

You can call customer service at 1-877-236-6257 or send an email to [email protected] to cancel Noblr auto insurance at any time. You need your policy number and the date you want your coverage to end.

However, if you are within your first six months of coverage, you may be charged a fee.

Noblr auto insurance policies are only six months long, so it might be cheaper and easier to switch when your policy expires.

Knowing how to switch auto insurance companies is very important so that you don’t lose time and money.

Steps to switching car insurance are:

  • Find out when your Noblr policy ends. If it expires soon, you may just want to wait until then to switch.
  • Shop for new auto insurance. Compare rates, discounts, and ratings to find your best deal.
  • Get your new coverage in place. Make sure your new coverage begins a least a day before your old coverage ends to avoid a lapse.
  • Let Noblr know you are leaving. Give them the date you want coverage to end, and follow up afterward to see if you are due a discount.

It is extremely important that you don’t allow your auto insurance to lapse. Driving without valid coverage can lead to fines, your driver’s license being suspended, and even jail time.

How do you file an auto insurance claim with Noblr?

Filing an accident claim with Noblr car insurance is also very easy. Call customer service or begin the process in the Noblr app.

Although filing a claim is simple, be aware that many of the Noblr complaints revolve around the claims process. Make sure you have pictures of your vehicle’s damage and a police report if one was filed. Follow up with Noblr to ensure your claims process goes smoothly.

You should also carefully consider filing a claim. An accident claim can increase your auto insurance rates. If possible, pay for damages yourself to keep your rates low and save money in the long run.

What are Noblr auto insurance ratings?

Even though the Noblr auto insurance company hasn’t been around for very long, how well it rates is very important. Ratings tell you if a company is stable and easy to work with.

Noblr hasn’t received a financial stability rating from A.M. Best yet. However, USAA did earn an A+ rating, showing superior financial stability. You can be confident Noblr is backed by a very financially sound company.

The Better Business Bureau (BBB) has rated Noblr on customer interaction. Noblr received an A- and accreditation showing the company is willing to respond to customers.

Because the Noblr app is used to not only access your policy but also to determine rates, it’s very important that it works well.

However, the Noblr app only received a 3.7/5 rating in the Google Play Store and a 3.9/5 rating in the Apple App Store.

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Noblr Auto Insurance: The Bottom Line

Drivers in eight states may be able to get affordable Noblr auto insurance based on how they drive. Telematics in the app monitors driving habits like hard braking and distracted driving.

Because Noblr was bought by USAA, you need to be a member of the military or a family member to get coverage.

You should comparison shop before you settle on an auto insurance company. Compare rates, discounts, and ratings to find the right company for you.

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

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