Noblr Auto Insurance: User Reviews and Quotes (2025)

USAA, which owns Noblr, has started integrating its pay-per-mile policies into USAA’s core usage-based insurance products, so it may no longer be available in some states.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Noblr is a “usage-based insurance” (UBI) company. It uses telematics technology to track driving habits and determine drivers’ rates, which can change month to month.

You may save with Noblr if you’re a safe driver who doesn’t log a lot of miles each month.

But you’ll have to be an active-duty military, a veteran, or an eligible family member to buy a Noblr policy. USAA, a top financial services and insurance company for the military community, has owned Noblr since 2021. USAA recently began phasing out Noblr policies and offering current Noblr customers the chance to apply for a USAA UBI policy.

Many companies besides Noblr offer UBI programs, so it’s a good idea to compare quotes before you choose a car insurance policy.

Keep reading to learn more about the company, what Noblr insurance reviews say, and how it stacks up to competitors so you can make the right choice and score the best policy.

Quick Facts
  • Noblr is a USAA company and only available to the military community.

  • Few Noblr insurance reviews exist online, but the company has a very high complaint score of 3.82 on the National Association of Insurance Commissioners’ Consumer Complaint Index.[1]

  • Noblr has higher rates than other usage-based insurance companies, at $107 monthly for liability insurance and $221 for full coverage.

How Noblr compares to other insurance companies

Noblr is one of the usage-based insurance companies on the market that offers pay-as-you-drive insurance. Similar insurance companies include Chubb, Root, and Hugo.

Noblr’s customer service, discounts, and availability are pretty similar to its competitors. But Noblr has higher rates than its competitors and doesn’t have a financial strength rating from AM Best. Also, the company only has a few customer reviews to reference during the comparison process.

How Noblr auto insurance works

Noblr offers usage-based insurance through a telematics app to offer drivers customized rates. The app tracks real-time driving behaviors, such as braking and acceleration patterns. It also tracks safe driving habits like not texting and avoiding nighttime driving.

Drivers get a Noblr Driver Score, which unlocks savings based on miles and safety. This pay-as-you-drive car insurance incentivizes safe driving and is a good option for low-mileage drivers.

Noblr car insurance rates consist of a base rate and variable-rate combination. The base rate remains the same, and the variable rate changes based on your driving. This unique approach to insurance coverage can benefit safe drivers who are on the road infrequently and rack up fewer miles on the odometer.

  • The Noblr mobile app is a key part of pay-as-you-drive coverage. After downloading the app from the Google Play Store or the Apple App Store, it’ll work with your smartphone to track your driving and give you a score that affects your rates.

    The app will look at your driving habits and miles driven. Additionally, Noblr may provide feedback and the opportunity to earn Noblr Rewards to reduce your rates.

    Drivers must download the app to get Noblr insurance, so you must be comfortable sharing data with the company.

How customers feel about Noblr

Noblr’s online profile is sparse. AM Best doesn’t rate Noblr for financial or credit strength, and the company’s not included in J.D. Power surveys. But you can find an NAIC rating and reviews on the Better Business Bureau website and in the App Store.

Reviewers on the BBB website have given Noblr just 1.62 (out of 5) stars. Its App Store rating is better at 4.3 (out of 5) stars. But most of its App Store reviews are negative.

Here’s what reviewers have said about Noblr online:

Noblr car insurance coverage options

Noblr offers state-required liability coverage in addition to comprehensive and collision coverage. Together, these policies typically make up what’s referred to as full coverage.

Noblr car insurance coverage options include:

  • illustration card https://a.storyblok.com/f/162273/150x150/7e47a00c4f/car-dashboard-96x96-green_045-airbag.svg

    Bodily injury coverage

    It covers your liability if you injure another driver in an at-fault accident. Every state but New Hampshire requires drivers to have at least a minimum amount of liability insurance.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers a range of non-collision damage, such as fires, floods, vandalism, and theft. It pays to repair or replace our vehicle following a covered event.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Collision coverage

    Collision insurance reimburses your costs if you cause an accident that damages or totals your vehicle. Along with comprehensive coverage and liability insurance, collision is part of a full-coverage car insurance policy.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    If a covered event puts your vehicle into the shop for repairs, this coverage can help pay the cost of renting a car to temporarily replace yours. Typically, your policy will state the number of days and per-day amount it will pay toward a rental car.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance includes support if your vehicle breaks down or you need gas. Generally, roadside assistance will cover things like towing, tire changes, and gas delivery at a discounted price or for a flat fee per service.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Property damage coverage

    This coverage will pay for damages to another vehicle if you cause an accident. Property damage liability coverage can be part of a minimum-coverage or full-coverage policy.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist bodily injury coverage

    If an uninsured motorist causes an accident that injures you, this coverage can help pay your medical bills. Some states include uninsured/underinsured motorist coverage in their minimum insurance requirements

In addition to these core coverage options, Noblr offers the following in some states:

  • Accidental death benefits

  • Combined first-party benefits

  • Extraordinary medical benefits

  • Funeral benefits

  • Income loss benefits

  • Loan and lease gap coverage

  • Medical payments

  • Personal injury protection

  • Tort options

  • Underinsured motorist bodily injury

  • Underinsured motorist property damage

  • Uninsured motorist property damage

Noblr car insurance discounts

When comparison shopping, it’s important to look at a wide range of offers and discounts as part of your search to get the best deal. Noblr doesn’t offer the traditional discounts you might find with other insurers, as your coverage includes any potential discounts. So, if you drive safely or fewer miles, you stand to save more.

Your Noblr Driving Score looks at the following:

  • Smooth driving

  • Focus

  • Road choice

  • Time of day

Your rates may lower or rise based on those factors. The company also offers Noblr Rewards, which are buying-based discounts. To qualify, you must:

  • Buy an insurance policy the same day you receive a quote, effectively a new customer discount

  • Pay your fixed-rate premium in full

  • Renew your policy after the six-month term ends

How Noblr rates compare to competitors

While Noblr’s rates vary from driver to driver and depend heavily on your mileage and driving habits, its average premiums are more expensive than those of its competitors. The company has average liability rates of $107 per month and $221 for full coverage.

The chart below shows how Noblr compares to the other popular telematics and pay-per-mile companies.

Full-Coverage Rates by Insurance Company

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of Noblr auto insurance

Drivers with clean records typically secure the cheapest rates, especially with a telematics company that tracks your driving habits. Drivers with incidents such as a speeding ticket, an at-fault accident, or a DUI on their record experience higher rates. Insurance companies consider high-risk drivers more likely to file a claim and charge higher rates to make up for the possible financial loss.

Similarly, teen drivers see high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers pay the lowest rates because they have the most experience. Senior drivers who are retired and don’t drive often may also benefit from Noblr because its rates depend in part on how many miles you drive.

The table below illustrates how Noblr’s liability rates compare to the national average liability rates for various driver profiles.

Driver
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Noblr Average Liability Quote
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National Average Liability Quote
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Drivers with a clean record$107$105
Drivers with a speeding ticket$152$144
Drivers with an at-fault accident$158$148
Drivers with a DUI$179$169
Teen drivers$185$201
Senior drivers$78$82
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Noblr car insurance cost by state

Auto insurance coverage costs vary by state, driving record, age, credit history, ZIP code, and other personal factors. Driving habits and mileage also affect Noblr’s rates.

Each state has different minimum liability coverage requirements, and your total costs will depend on the type of coverage you purchase.

Noblr car insurance policies are only available in 15 states as of June 2024 and are provided by NOBLR Reciprocal Exchange. Below are the states in which Noblr offers coverage, alongside Noblr’s average monthly liability quotes and state average liability quotes.

State
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Noblr Average Liability Quote
sort ascsort desc
State Average Liability Quote
sort ascsort desc
Arizona$97$93
Colorado $87$100
Georgia $151$158
Illinois $82$81
Indiana$71$74
Louisiana$162$116
Maryland $179$209
Missouri$98$96
Nevada $198$171
New Mexico$72$69
Ohio $72$72
Pennsylvania$95$97
Texas$123$121
Virginia$96$112
Wisconsin$63$66
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Other options for Noblr customers

Noblr’s main offering is pay-as-you-drive car insurance coverage. Currently, the company website has limited information, and it looks like you’ll need to go through Noblr’s parent company USAA if you want other traditional insurance products.

USAA offers homeowners, renters, and condo insurance, which covers any damage to the property, to USAA members. USAA, and as a result Noblr, requires a military membership, so not everyone qualifies.

How to file a claim with Noblr

You can file a claim with Noblr either through its mobile app or by calling 1 (877) 235-6257. Be sure to be ready with your policy number, accident details like date and time, a description of what happened, and information about any other vehicles or drivers involved.

Noblr insurance FAQs

If you’re interested in the Noblr auto insurance company, this additional information may help you decide if it’s the right insurer for you.

  • Is Noblr a good insurance company?

    Noblr’s pay-per-mile telematics approach may be a good fit for members of the military community who don’t drive much. For example, if you’re deployed overseas and won’t be driving your vehicle while you’re away, Noblr could save you money. But it’s worth noting that online reviews of Noblr are largely negative.

  • Is Noblr part of USAA?

    Yes, USAA owns Noblr. The usage-based insurance company launched in 2017. USAA acquired it in 2021. Noblr now issues all USAA’s pay-as-you-drive policies.

  • How does Noblr insurance work?

    To use Noblr, you need to download its app. The app uses technology already present in your phone to track the number of miles you drive and how well you drive. Noblr uses the information the app gathers to score your driving and personalize your monthly rates.

  • What is pay-per-mile car insurance?

    Pay-per-mile car insurance is a type of auto insurance that bases your monthly cost on the number of miles you drive each month and, in some cases, how safely you drive. Multiple insurers offer this type of policy, which may require you to download a mobile app or install a telematics device in your vehicle to track your driving habits. Typically, you’ll pay a low base rate and a per-mile rate every month.

  • Is pay-per-mile car insurance as good as it sounds?

    Whether pay-per-mile car insurance is a good option for you depends on multiple factors, including how many miles you drive each month. If you drive much less than average, pay-per-mile coverage could help you save money. But if you drive a lot, or tend to speed, brake hard, or engage in other risky driving behaviors, a pay-per-mile policy might not save you money.

  • What is the average cost of Noblr car insurance?

    Noblr car insurance costs an average of $221 for full coverage and $107 per month for liability insurance. With this kind of company, your rates will greatly depend on your miles driven and driving behavior as well as more traditional factors like your driving record, state, credit, and more.

  • Is Noblr good at paying claims?

    It’s unclear. Noblr currently doesn’t have an AM Best rating, nor is it listed on the J.D. Power claims satisfaction survey, so there’s little data about the company’s ability to pay claims. Some Noblr customers on the International Association of Better Business Bureaus experienced delays and frustration with the claims process.[2]

  • How do I cancel my Noblr insurance policy?

    If you want to cancel your Noblr insurance policy, you can look in your mobile app for instructions and request cancellation. You can also contact 1 (877) 236-6257 for support. Have your policy information and termination date ready.

  • How does the Noblr app work?

    The Noblr mobile app helps determine car insurance rates by tracking your driving behaviors. You can download the app to get started and log into your account and accept the necessary permissions. Noblr may not be the best fit if you have privacy concerns about sharing data and personal information.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Naic.org. "Consumer Insurance Refined Search Results."
  2. Better Business Bureau. "Noblr Inc.."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Melanie has been a contributor at Insurify since November 2022.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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