Noblr Auto Insurance Review (2024)
Noblr auto insurance is calculated using personal factors like your driving record and telematics, which monitors behaviors like hard braking and distracted driving. Noblr car insurance is only offered in eight states, and it is only available online. However, Noblr was recently purchased by USAA, and in order to be covered, drivers must be military or family members. Drivers who don’t drive late at night or use their phones while driving may find Noblr cheaper.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
UPDATED: Sep 18, 2024
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Drivers are always looking for ways to save money on auto insurance, and telematics can help with that. Noblr auto insurance offers drivers lower rates based on specific driving behaviors.
While some drivers can get affordable Noblr auto insurance, other drivers, like those who work late at night or use their phones while driving, won’t see savings.
Although USAA now owns Noblr, coverage is only offered online and is available in eight states.
Shop around before you buy Noblr auto insurance. Compare multiple companies to see who can offer your the best deal.
Keep reading our Noblr auto insurance review to see if the company is right for you. Enter your ZIP code now to compare free auto insurance quotes from companies in your area.
What is Noblr auto insurance?
Noblr offers car insurance with rates partially based on your driving habits. Based on what the Noblr app monitors, drivers with the right driving behaviors will save money.
Noblr is currently only offered in eight states, but USAA bought it in 2021, which likely means expansion is coming. USAA plans to offer Noblr to its customers as well as traditional auto insurance.
However, USAA only offers coverage to military members and their families. Noblr will follow suit, and will require connections to the military.
What are Noblr auto insurance rates?
Noblr breaks your car insurance rates into two parts. However, your driving impacts both parts.
First, the fixed monthly rate is determined by how insurance companies calculate your car insurance rates usually. These factors include your age, driving record, and where you live.
Your driving record is the most significant of these factors since it gives the insurance company an idea of how risky you are as a driver.
This table shows you how your record impacts your car insurance rates by giving average annual rates from top companies.
Average Annual Auto Insurance Rates by Driving History| Company | Average Annual Rates with Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average 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 |
You can see that drivers with a clean record will pay much lower rates than those drivers with dings on their records.
Also, Noblr won’t offer you coverage if you have a DUI or excessive accidents and tickets.
The second part of the Noblr auto insurance rates is the variable monthly rate. This rate is determined solely by your driving and makes it very difficult to get an accurate Noblr auto insurance quote.
The Noblr app uses telematics to monitor certain driving behaviors that lead to accidents.
Driver behaviors monitored by Noblr include:
- Mileage
- Time of day drives occur
- Type of roads driven on
- Hard braking and accelerating
- Distracted driving
While all these things can lead to accidents, distracted driving is the worst. In fact, according to the National Highway Traffic Safety Administration, over 3,000 people died in 2019 from distracted driving.
Noblr does make a promise that your rates for your first six-month term won’t go over a maximum amount no matter how you drive. This allows you an opportunity to test your driving without being penalized.
What auto insurance coverages does Noblr offer?
Noblr only offers car insurance, so drivers looking to bundle policies will need to look elsewhere.
Noblr car insurance coverages include:
- Liability
- Collision
- Comprehensive
- Medical Payments
- Personal injury protection
- Uninsured/underinsured motorists
- Rental car coverage
- Roadside assistance
It should be noted that Noblr includes roadside assistance automatically. Drivers can use the service three times for free in each six-month policy term.
Although Noblr doesn’t offer homeowners or renters insurance, it does partner with Hippo and New Link Destination
ggle for those coverages.
What are the auto insurance discounts available from Noblr?
Discounts are one way drivers can significantly lower auto insurance rates. While many companies offer a lot of discounts to drivers, Noblr only offers three.
Noblr auto insurance discounts are a new customer discount, a paid in full discount, and a renewal discount. Drivers can also get a $25 gift card if they refer a new customer.
USAA, on the other hand, offers many different discounts. Take a look at this table that lists auto insurance discounts from top companies, including USAA.
Car Insurance Discounts Offered by Top Companies| Discount Name |  |  |  |  |  |  |  |  |  |  |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
You can see that discounts can make a huge impact on your auto insurance rates. It’s unclear if Noblr customers will get USAA discounts in the future.
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How do you cancel Noblr auto insurance?
New Link Destination
cancel Noblr car insurance, call customer service at 1-877-236-6257 or email [email protected]. You will need your personal information, policy number, and the date you want your policy to end.
While you can cancel Noblr auto insurance at any time, you can be charged a fee for canceling within the first six months.
Be sure to have your new policy in place before you cancel your coverage. Allowing your car insurance to lapse will cost you time and money.
In addition to fines and higher insurance rates when you renew, you can have your driver’s license suspended and your car impounded.
Save yourself some trouble and begin your new auto insurance policy a day or two before your Noblr coverage ends.
What are the Noblr auto insurance ratings?
Drivers should pay attention to ratings as well as rates when choosing an insurance company. The company is no good to you if it isn’t stable or has bad customer interaction.
A.M. Best rates companies based on financial stability. While the Noblr auto insurance company is too new to receive a rating, USAA earned an A+ rating. This high rating indicates a superior ability to meet financial obligations.
The Better Business Bureau (BBB) rates companies on how they interact with customers. Noblr received an A- rating as well as accreditation.
Since Noblr counts on its app to help calculate rates, it’s important that it works well and is easy to use. However, the app only scored a 3.7/5 in the Google Play Store and a 3.9/5 in the Apple App Store.
Seamless Claims Process With Noblr Auto Insurance
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Filing a claim with Noblr auto insurance is a straightforward process that can be initiated through their mobile app or by contacting their customer service. This digital convenience allows policyholders to quickly report incidents and start the claims process efficiently.
Average Claim Processing Time
While Noblr offers an easy method to initiate claims digitally, the average claim processing time can vary depending on the complexity of the case and the documentation provided. Policyholders should be prepared for potential variations in the time it takes for their claims to be resolved.
Customer Feedback on Claim Resolutions and Payouts
It’s important to note that some customer reviews have expressed concerns about the claims process with Noblr, particularly regarding claim resolutions and payouts. Prospective policyholders should consider this feedback when evaluating the insurer’s claims handling performance.
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Exploring Noblr Auto Insurance Cutting-Edge Digital and Technological Features
Mobile App Features and Functionality
Noblr’s mobile app plays a central role in its insurance offerings, allowing customers to monitor their driving behaviors and potentially earn discounts. The app’s features and functionality are crucial in determining policy rates and providing real-time feedback to drivers.
Online Account Management Capabilities
Policyholders can manage their Noblr auto insurance accounts online, which offers convenience and accessibility. Online account management allows customers to review their policies, make payments, and access important policy documents through the insurer’s website or app.
Digital Tools and Resources
Noblr leverages digital tools and resources, such as telematics and the mobile app, to assess driver behavior and calculate insurance rates. These technological features provide insights into driving habits and offer policyholders the opportunity to lower their premiums based on safe driving practices.
Noblr Auto Insurance: The Bottom Line
Noblr car insurance is offered to members of the military and their families in eight states.
Telematics in the Noblr app helps calculate rates based on driving habits like hard braking and when you drive.
Although some drivers will get cheap Noblr auto insurance, not all drivers find Noblr a good fit. Noblr is best for drivers who work the day shift, don’t have long commutes, and don’t use their phones while driving.
Compare rates, discounts, and ratings to find the best auto insurance company for you. Every company will offer different rates, so shop around to find cheap coverage.
We hope you’ve learned all you need to know about Noblr auto insurance. Enter your ZIP code before you go to compare quotes from auto insurance companies in your area.