Noblr Auto Insurance: User Reviews and Quotes (2024)

Noblr can save low-mileage drivers money with pay-as-you-drive car insurance, but better alternatives may exist.

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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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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.

Updated December 19, 2024

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Noblr is a usage-based auto insurance company headquartered in San Francisco. After its launch in 2017, USAA acquired it in 2021. The company uses telematics technology to offer drivers lower rates as a reward for safe driving.

The Noblr telematics app observes your driving habits and determines your rates, which can change from month to month. In select states, the company offers the Noblr Promise, which ensures your rates are never more than a certain amount in the first six months of your policy.

This type of insurer may benefit remote workers and other low-mileage drivers, but with lots of telematic alternatives on the market, comparing multiple companies is important to find the best insurer for you.

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 4.14 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

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User ReviewsNR
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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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, Hugo, and Metromile, which offers pay-per-mile insurance.

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.

Factor
How Noblr Compares
RatesHigher than competitors 
Customer serviceSimilar to competitors
DiscountsSimilar to competitors 
AvailabilitySimilar to competitors
Financial strengthNot Rated 
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.

    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot. 

    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.

    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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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.

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 table 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
Noblr Average Liability Quote
National Average Liability Quote
Drivers with a clean record$107$105
Drivers with a speeding ticket$152$146
Drivers with an at-fault accident$158$152
Drivers with a DUI$179$173
Teen drivers$185$196
Senior drivers$78$81
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 average monthly liability quotes and state average liability quotes.

State
Noblr Average Liability Quote
State Average Liability Quote
Arizona$97$91
Colorado $87$97
Georgia $151$152
Illinois $82$79
Indiana$71$72
Louisiana$162$130
Maryland $179$207
Missouri$98$98
Nevada $198$183
New Mexico$72$68
Ohio $72$73
Pennsylvania$95$93
Texas$123$120
Virginia$96$102
Wisconsin$63$65
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 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 customers feel about Noblr

Noblr doesn’t have a wide footprint when it comes to customer reviews and third-party rankings. For example, the company isn’t listed on Trustpilot and currently has 14 reviews on Better Business Bureau (BBB). Information is sparse, but what’s out there is a mixed bag. Some Noblr customers enjoy the affordable insurance premiums. Others have found it difficult to reach customer service and get a response, or have frustrations with the claims process.[2]

Noblr ratings 

Though Noblr has been around for several years, it’s still relatively new, and not many third-party ratings exist for it.

Typically, you can look at AM Best to get an idea of a company’s financial strength or review J.D. Power surveys for customer satisfaction, but Noblr doesn’t have a rating with either yet. Its parent company, USAA, has a financial strength rating of A++ (Superior) from AM Best.[3]

The National Association of Insurance Commissioners (NAIC) has a complaint index, and Noblr has higher-than-average complaints relative to other insurance companies.[1]

Rating
Score
What This Means
AM BestNot Rated Noblr doesn’t have a Financial Strength rating from AM Best 
J.D. PowerNot Rated Noblr wasn’t ranked as part of J.D. Powers Auto Claims Satisfaction study 
NAIC Complaint Index4.14Very high/above average 

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.

  • 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.

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

    Collision coverage

    Collision insurance reimburses costs if there’s damage from a collision or accident.

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

    Rental car coverage

    If you need to repair your vehicle, this provides rental car options.

  • 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.

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

    Property damage coverage

    Property damage insurance covers your liability if there’s damage to the other driver’s car in the event of an accident.

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

    Uninsured motorist bodily injury coverage

    This fills the gap in coverage if you’re in an accident with an uninsured motorist and pays any related medical bills.

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

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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 require a military membership, so not everyone qualifies.

How the Noblr app works

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.

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 legitimate?

    Yes. Noblr is a USAA company and a legitimate car insurer offering pay-as-you-drive policies. As part of this coverage, your insurance premiums factor in your driving habits and safety.

  • 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.."
  3. Ambest.com. "A.M. Best Affirms Ratings of USAA, Its Subsidiaries and USAA Capital Corporation."
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.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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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