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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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Nov 30, 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
Company Rating 0 (0 reviews)

Drivers always want to know how to reduce the cost of auto insurance, and telematics can help get lower rates. Noblr car insurance hasn’t been around for very long, but it offers cheaper rates to drivers with certain behaviors.

Drivers that don’t use their phones while driving and don’t slam on their brakes often will see lower rates. However, Noblr isn’t for everyone, and we’ll help you find out if it’s for you.

Before you buy Noblr car insurance, shop around to find the lowest rates for you. Find your best deal by comparing rates and ratings from multiple companies.

Keep reading our Noblr car insurance review to learn more. Enter your ZIP code now to compare quotes from car insurance near you for free.

What is Noblr car insurance?

Noblr has only been around since 2015, but it was purchased by USAA in 2021. USAA requires drivers to be in the military or family members in order to get coverage. This requirement is extended to Noblr customers as well.

Noblr is currently only available in Arizona, Colorado, Louisiana, Maryland, Ohio, Pennsylvania, New Mexico, and Texas. It’s unclear if USAA will extend coverage to other states.

While Noblr only writes car insurance, it offers lower rates based on your driving. Noblr uses telematics in its app to monitor your driving and changes your rates each month to match your driving.

Although the purpose of telematics is to save you money, it can also make you a better driver.

According to the Insurance Information Institute, drivers who use telematics become safe drivers because of the immediate feedback given. Drivers become aware of the way they are driving and can make adjustments to be safer.

What are Noblr car insurance rates?

Noblr car insurance is calculated two different ways resulting in a fixed monthly rate as well as a variable monthly rate.

While you can get a Noblr car insurance quote online, the quote is only for the fixed portion of your rates.

The fixed portion of your Noblr rates is calculated using the usual factors that affect the price of car insurance, such as your age and driving record.

To give you an idea of how that works, we will look at rates based on driving records. This table shows the average annual rates for top companies.

Average Annual Car Insurance Rates by Driving History

CompanyClean Record1 Accident1 DUI1 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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Drivers with accidents, DUIs, and tickets will pay much higher rates than drivers with a clean record.

The second part of your Noblr car insurance rates is based on your driving. The Noblr app uses telematics to monitor certain driving behaviors to determine your rates.

Noblr monitors these driving behaviors:

  • Time of day you drive
  • Mileage
  • Type of roads you drive on
  • Hard braking and acceleration
  • Distracted driving

Drivers who do have a short commute, don’t drive late at night, and don’t use their phones when driving see much lower rates.

What car insurance coverages does Noblr offer?

Noblr only offers car insurance. Drivers who want to bundle home and auto are out of luck with Noblr.

Noblr does offer standard car insurance, though. Coverages include liability, comprehensive, collision, personal injury protection, and uninsured and underinsured motorist.

You can also find roadside assistance and rental car coverage from Noblr.

What car insurance discounts are available with Noblr?

While most car insurance companies offer many discounts to help drivers get lower rates, Noblr only offers three discounts.

Noblr discounts are:

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

Drivers can also get a $25 gift card for referrals. However, there are no other discounts available.

USAA recently purchased Noblr and is in the process of integrating Noblr offerings with USAA coverages. It’s unclear where USAA discounts will be available to Noblr customers.

This table shows you common car insurance discounts from top companies, including USAA. Compare USAA discounts that may be available to other top companies.

Car Insurance Discounts by Company
Car 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
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
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
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
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 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
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
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
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
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Keep in mind that discounts can significantly impact your car insurance rates. In fact, they can determine which company is cheaper for you.

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How do you cancel Noblr car insurance?

Noblr allows you to cancel your car insurance coverage at any time for any reason. However, you may be charged a fee if you cancel within your first six months.

You will need the name on the policy, your address, policy number, and cancellation date before you begin the cancellation process.

Then, just call customer service at 1-877-236-6257 or send an email to [email protected] explaining that you want to cancel.

There are certain steps to take when you cancel auto insurance to make sure things go smoothly.

First, find out when your policy ends. Since you may be charged a fee to cancel, it might be cheaper to wait until the six months are up.

Next, shop around for new coverage. Every insurance company will evaluate your personal factors differently and offer different rates. Compare rates and discounts from multiple companies to find your best deal.

Then, finalize your new coverage. Pick a start date at least a day or two after the end date of your old policy. If you allow a lapse in coverage, you may be charged fines, have your license suspended, and have your car impounded.

Lastly, let Noblr know you are leaving. Once your policy term is over, follow up to see if you are due a refund.

How do you file a car insurance claim with Noblr?

Filing an accident claim with Noblr is pretty easy. You can begin the claims process either in the app or by calling customer service at 1-877-236-6257.

It’s important to note that most of Noblr’s complaints are about the claims process and customer service.

You should keep in mind that filing a claim can increase your car insurance rates. If you can, pay for vehicle damages yourself. Although you will pay more upfront, you can save more over time by keeping your car insurance rates low.

What are the Noblr car insurance ratings?

Ratings are just as important as rates when it comes to insurance. You need to know that your insurance company has your back when you need it.

Since the Noblr car insurance company has only been around since 2015, it doesn’t have the ratings that more seasoned companies have. However, USAA has been around since 1922 and offers a high level of confidence.

Companies are rated by A.M. Best based on their financial stability. Since Noblr is so new, it isn’t rated yet by A.M. Best. USAA, on the other hand, received an A+ rating showing a superior ability to meet financial obligations.

The Better Business Bureau (BBB) rates companies on how well they interact with customers. Noblr earned an A- rating and is accredited.

How well the Noblr app performs is very important. The company depends on its app to monitor driving and help calculate rates. However, the Noblr app only received a 3.9/5 in the Apple App Store and a 3.7/5 in the Google Play Store.

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Noblr Car Insurance: The Bottom Line

Affordable Noblr car insurance is available for drivers who meet certain requirements. However, if you have a long commute or work the nightshift, you might not see much savings.

Before you settle on a car insurance company, shop around to find the best deal for you. Compare rates, discounts, and ratings to find great coverage with low rates.

Now that you know about Noblr car insurance, you are ready to comparison shop. Enter your ZIP code now to compare free car insurance quotes from companies in your area.