Noblr Auto Insurance Review (2022)

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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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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UPDATED: Dec 15, 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
Year Founded: 2015
AM Best Rating: N/A
Company Rating 0 (0 reviews)

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
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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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 Toggle 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.

Auto Insurance Discounts from Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/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/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging/StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/A535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership/GroupN/AN/AN/A107N/AN/AN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
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/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
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/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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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?

To 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.

How do you file an auto insurance claim with Noblr?

Filing a claim with Noblr is also easy. You can begin the claims process in the Noblr app or call customer service.

However, there are a couple of things to keep in mind.

First, most of the bad reviews Noblr has received are around its claims process. Be sure to thoroughly document your vehicle damage and follow up with Noblr to make the process as smooth as possible.

Second, filing an accident claim can increase your auto insurance rates. Carefully consider whether it would be cheaper, in the long run, to pay for repairs yourself.

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.

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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.

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