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Noblr Car Insurance Review in 2022

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 15, 2021

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Key Takeaways

  • Noblr only offers car insurance, so you can’t bundle policies
  • Car insurance from Noblr is only available in eight states
  • Noblr determines your car insurance rates based on your driving behaviors

Drivers are always looking for ways to get cheap car insurance. Noblr offers drivers lower rates if they drive safely.

Noblr car insurance calculates rates in using two factors. The first part of your rates is calculated based on your personal factors, and the second part uses your monitored driving behaviors.

Although your driving can result in affordable Noblr car insurance, there are only a few discounts available to help lower rates.

Before you buy Noblr car insurance, shop around to make sure you are getting the best deal. Every car insurance company will offer different rates, so comparison shopping can really save you money.

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

What are Noblr car insurance rates?

Noblr has only been on the car insurance scene since 2015, but it was recently purchased by USAA, a staple in the insurance industry.

Noblr car insurance is only available in Colorado, New Mexico, Arizona, Texas, Louisiana, Ohio, Pennsylvania, and Maryland.

It’s hard to get an accurate Noblr car insurance quote because rates can change each month. Good driving equals lower rates.

Noblr calculates car insurance rates in two parts. First, Noblr calculates fixed monthly rates based on the usual factors such as your age and driving record.

The second part of the rate calculation is completely up to the driver, and rates may vary from month to month.

What driving habits does Noblr monitor?

Noblr offers drivers lower car insurance rates based on their driving behaviors. The app monitors driving and uses telematics to calculate Noblr car insurance rates.

Driving behaviors monitored by Noblr include:

  • The time of day you drive – Driving late at night and early in the morning can equal a greater chance of an accident.
  • How far you drive – More miles on the road means a higher chance of an accident.
  • The types of roads – Drivers who take surface streets are more likely to be in an accident.
  • Hard braking and acceleration – These can show either a lack of attention or aggressive driving.

Telematics is shown to make drivers safer and avoid tickets and accidents. Drivers with DUIs, tickets, and accidents will pay much higher car insurance rates than drivers with a clean record.

This table shows the average annual rates from top car insurance companies based on your driving record.

Average Annual Car 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’t get Noblr auto insurance if you have a DUI, have filed a fraudulent claim, or have excessive tickets or accidents on your record.

Drivers who work late or early shifts, have a long commute, or only take surface streets may not see any savings with Noblr.

What car insurance coverages does Noblr offer?

Most states require drivers to carry at least a minimum amount of liability coverage, and other coverages are highly encouraged.

Noblr offers standard car insurance coverages such as liability, comprehensive, collision, personal injury protection, medical payments, and uninsured and underinsured motorists coverages.

Additional services include rental car coverage and roadside assistance. In fact, roadside assistance is automatically included in your car insurance policy.

Noblr doesn’t offer any other insurance such as homeowners, renters, pet, or rideshare coverages.

What car insurance discounts are available with Noblr?

With most companies, car insurance discounts play a huge part in lowering rates. However, Noblr only offers three discounts for drivers.

Noblr car insurance discounts are:

  • Paid-in-full discount – If you pay your fixed monthly rates in full when you sign up for your policy, you will get a discount.
  • New customer – This is a one-time discount when you initially sign up for car insurance with Noblr.
  • Renewal discount – This discount is offered when you renew your coverage after the six-month window.

Drivers are also eligible for a $25 Amazon gift card if they refer another driver.

However, drivers with Noblr car insurance will miss out on many money-saving discounts like multi-policy discounts.

Discounts can make a huge difference in rates and can even make one car insurance company more affordable than another.

This table lists common car insurance discounts that you might be missing out on.

Car Insurance Discounts
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
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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Be sure to take into account any discounts offered when you compare car insurance companies. Even if rates are initially cheaper with one company, discounts may make another company a better deal.

How do you cancel Noblr car insurance?

Canceling Noblr car insurance is pretty easy. Just call customer service at 1-877-236-6257 or send an email to [email protected] to begin the process.

Although you can cancel your car insurance at any time, keep in mind that you may be charged a cancellation fee if you are within the first six months of coverage with Noblr.

You will also need to have your personal information on-hand, including your name, address, and policy number.

There are certain steps to follow if you decide to cancel your car insurance. Following these steps can make for a smooth transition from one company to another.

Steps to cancel your Noblr car insurance are:

  • Find out when your current policy expires. Since you may be charged a fee to cancel early, it may be easier and cheaper to change car insurance companies when your policy runs out.
  • Shop around for coverage. Each car insurance company will weigh your personal factors differently and offer different rates.
  • Complete the process with your new company. Finish any paperwork and make your payment to get new coverage in place.
  • Let Noblr know you are canceling. If you choose to cancel in the middle of your policy, set your cancellation date to take effect a couple of days after your new policy starts.
  • Follow up with Noblr to make sure your policy has been canceled and see if you will get a refund.

It’s very important that you do not cancel your car insurance until you have new coverage in place.

The Insurance Information Institute reports that drivers who drive with a lapse in coverage can face fines, driver’s license suspension, and even jail time. Not to mention, your car insurance rates will be much higher when you do get coverage again.

How do you file a car insurance claim with Noblr?

Filing a claim with Noblr is also very easy. Just call customer service or start the conversation by chatting with customer service in the app.

You will need to have supporting information such as pictures of the vehicle damage and a police report if you have one.

Even though filing a claim with Noblr is simple, it might still cause you problems. Many of the complaints received about Noblr revolve around customer service and the claims process.

Also, you should remember that filing a claim can cause your car insurance rates to increase. If you are able to pay out-of-pocket for damages, it might save you money in the long run.

What are the Noblr car insurance ratings?

A.M. Best rates companies on financial stability. Unfortunately, the Noblr car insurance company hasn’t been around long enough to earn a rating.

However, USAA has been around a long time and has an A+ rating showing a superior ability to meet financial obligations.

The Better Business Bureau (BBB) rates companies based on customer interaction. Noblr received an A- rating and is accredited.

Ratings for the Noblr app are very important since the company depends on the app to help calculate rates. Drivers also use the app to access vital account and policy information.

The Noblr app received a 3.9/5 rating on the Apple App Store and a 3.8/5 rating on the Google Play Store.

Noblr Car Insurance: The Bottom Line

Noblr uses telematics to monitor your driving behaviors. Drivers can save money if they drive smoothly, don’t drive far or at night, and take interstates.

Noblr only offers car insurance and doesn’t offer many car insurance discounts. Although the company has a great BBB rating, customer complaints revolve around service and the claims process.

Drivers should compare multiple companies before deciding on an insurance company. Don’t forget to compare discounts and ratings as well as rates to find your best deal.

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

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