Noblr Auto Insurance Review

Noblr auto insurance is a fairly new company that is licensed in all 50 states, but it does not operate in all 50 states. Our Noblr auto insurance review will go through what they offer and make comparisons to the average countrywide rate of $1,009 per year.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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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...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Aug 27, 2020

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Noblr Insurance Summary
Noblr Insurance FactsSource
Noblr is a property and casualty insurance
Noblr is focused on personal auto
Noblr gives consumers real-time insurance rates and feedback on driving
Noblr was co-founded by Gary Tolman and Jason Foucher who have a combined 60 years of experience in the property and casualty insurance
Noblr's mission is to offer consumers increased control over what they pay for auto
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Noblr is a fairly new company that prides itself on using the latest telematics technology to give the best-in-class quote-to-claim experience. Can telematics help you save money on auto insurance? The company’s goal is to facilitate safe and economical driving practices.

We understand that finding the right insurer can be a bit of a hassle. This is why we’ll go through everything you need to know step by step in our Noblr review so you can see if they’re the right company for you.

You may be wondering, “What’s the cheapest car insurance company in my area?” Type your ZIP code into our helpful and free tool above to find out, then check out our Noblr review below.

Noblr Auto Insurance Rates

Noblr’s webpage states that the company is not owned by shareholders, but by customers themselves. This is why they’re referred to not as customers, but as members. Noblr offers its members a great variety of coverages. Before we get into them, let’s take a look at a table showing the average nationwide rates for the four main coverages: collision coverage, comprehensive, liability, and full coverage.

Average Annual U.S. Auto Insurance Rates by Coverage Type
YearsAverage Annual Liability Auto Insurance RatesAverage Annual Collision Auto Insurance RatesAverage Annual Comprehensive Auto Insurance RatesAverage Annual Full Coverage Auto Insurance Rates
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Keep reading this Noblr car insurance review to see if it’s available in your state.

What is Noblr’s availability by state?

As of now, Noblr is licensed in all 50 states. However, this does not mean it does business in all 50 states. The company currently operates in Arizona, Colorado, Louisiana, New Mexico, Ohio, and Texas. Several other states will soon have Noblr coverage available. These include Indiana, Maryland, Missouri, Nevada, Pennsylvania, Virginia, and Wisconsin.

Noblr Insurance is expanding, and the next section of this Noblr auto insurance review will explain all of the different coverages the company offers its policyholders.

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Noblr Auto Insurance Coverages Offered

Noblr Car Insurance’s webpage offers visitors the option of obtaining a quote by typing in some basic information. The quote option features three basic categories: Humans, Cars, and Money.

Noblr offers Medical Payments coverage. This pays for at least some of your total medical bills should you be injured in an accident, regardless of who is at fault. This is only available in some states.

It also offers Personal Injury Protection, which can also be applied to medical bills. In some states, Personal Injury Protection (PIP) also compensates policyholders for lost wages if they’re injured in an accident and miss work. This, too, is only available in some states.

Here’s a video offering further insight into the differences between Medical Payments and Personal Injury Protection coverages and what they’ll do for you should you decide to get them.

Uninsured Bodily Injury Protection is also offered to assist with medical bills in a situation where you’re struck by a driver who either doesn’t have enough insurance or has no insurance at all.

Here’s a video that explains Underinsured and Uninsured Motorist coverage in terms of policy limits, fault, and state regulations.

We’ll now move on to coverages you’re probably a bit more familiar with.

Collision coverage goes toward repairs to the policyholder’s car if it’s damaged in an accident or a rollover situation. Comprehensive coverage can be applied to damages that occur outside of a collision. Think vandalism, fire, or weather-based incidents. Look at our table above and compare average rates with a quote from Noblr, should you decide to get one.

Uninsured Property Damage Protection is offered to Noblr’s policyholders to cover a situation where their vehicle has been damaged by a driver who doesn’t have enough insurance to cover the cost or doesn’t have insurance at all.

The company also offers rental car coverage if a policyholder’s vehicle is damaged in a covered loss like an accident, vandalism, or vehicle theft. Furthermore, Noblr policies include roadside assistance for its members’ convenience.

Bodily Injury coverage can help with a member’s legal defense should they be sued for damages after an at-fault accident. Property Damage coverage goes towards the same thing, but it pays for an injured party’s property as opposed to their medical bills.

Let’s see if Noblr bundles any of these policies for its members.

What are Noblr’s bundling options?

Noblr does not offer bundling options because it’s already focused on usage-based and member-focused insurance rates. Essentially, a member is already paying the lowest rate for their coverage without bundling.

The company does, however, offer discounts to its members. Let’s move on to see what those are.

What are auto insurance discounts offered by Noblr?

Noblr offers discounts to members when they buy a policy for the first time, when they renew a policy, and when they pay their premium in full upfront. Also, if a policyholder refers a friend they are entitled to $25.

Let’s move on to see if Noblr offers its members any programs to join.

What auto insurance programs are available from Noblr?

A part of a policyholder’s Noblr rate is a membership contribution. This is done to keep the company’s prices as low as possible. The webpage states that as the Noblr community grows and develops better driving habits, policyholders will be entitled to Noblr Rewards.

Noblr Rewards will first and foremost mean lower insurance premiums. The webpage states that, later on, the company will be able to return some profits back to the policyholder (or member) in the form of a subscriber savings account. However, no further information is available on what this account will entail; more information will be shared once the member benefit pool expands.

Here’s the deal: Noblr is young and its rewards program is unproven. Let’s move on to see how Noblr policyholders go about canceling their policy, should that become necessary.

Canceling Your Noblr Auto Insurance Policy

Noblr’s webpage offers clear instructions on how a policyholder can cancel their policy. Let’s read on for details.

Is there a cancellation fee?

No cancellation fee is listed for canceling a Noblr policy.

Is there a refund?

Noblr’s terms and conditions state that the company has no obligation to provide refunds or credits.

How do you cancel?

Noblr offers two ways for policyholders to cancel. They can call the Noblr auto insurance phone number for customer service at (877) 236-6257 or email

When can I cancel?

Noblr’s terms and conditions specifically state that a policyholder may cancel their agreement at any time.

What’s the bottom line? Noblr allows its policyholders to cancel a policy but they may not be entitled to a refund. Let’s move on to how policyholders file a claim with Noblr.

How to Make a Noblr Auto Insurance Claim

Towards the bottom of Noblr’s webpage is a direct number to the claims department. This number is 1-415-896-6257. There are also two buttons a policyholder can click: “Chat Us” and “Call Us.”

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Noblr: Auto Insurance Ratings

Noblr auto insurance reviews are not plentiful, considering the relatively young age of the company. However, the Better Business Bureau gives Noblr an A rating. The company has been BBB accredited since June 2019.

On the less optimistic side, the average of five reviews for Noblr on the BBB webpage is two out of five stars. One states that the company doesn’t honor the referral incentive, which is certainly troubling. Two reviews, one as recent as July of 2020, state that customer service hasn’t responded to filed claims in weeks.

Noblr Auto Insurance Review: The Bottom Line

Is Noblr insurance legit? Overall, Noblr is fairly young and the company’s negative reviews on the Better Business Bureau webpage indicate as much. The A rating from the BBB is encouraging, though. With a variety of coverages provided, this company may be worth trying out.

Hopefully, we’ve answered all of your questions today. If we haven’t, fear not, because we’re going to wrap up with a FAQ section. Now that you’ve finished this Noblr review, feel free to type your ZIP code into our tool below to find rates in your area.

Frequently Asked Questions: Noblr Auto Insurance Review

Hopefully we’ve covered everything, but just in case, take a look at some frequently asked questions below.

#1 – Is there an app to track driving to save money on insurance?

Is Root a good car insurance? Root has a company-specific app. Noblr’s app is similar, as it is an app for logging driving hours which directly correlates to your rates.

#2 – How good is Insurify?

It has a very good score of 4.8/5 from ShopperApproved.

#3 – Is Noblr a legitimate auto insurance company?

While it is new, yes, it is a legitimate company.

#4 – How much is Noblr auto insurance?

Noblr insurance reviews and the company’s webpage state that what you pay will be dependant on how much coverage is on your policy, how much you drive, and how safe your driving is.

#5 – Does Noblr auto insurance have startup funding?

Noblr is beyond that stage, but every policyholder is a member and, in essence, part-owner.



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