A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Dec 13, 2021

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Just What's Essential

  • Noblr uses telematics to help determine rates
  • Driving behaviors monitored by the Noblr app include distracted driving and hard braking
  • USAA bought Noblr in 2021, and drivers will have to either be in the military or family members to get coverage

If you’re looking for affordable car insurance, consider Noblr. While coverage isn’t widely available, Noblr car insurance is partially based on telematics, so your driving habits can save you money.

Noblr isn’t for everyone, though, so shop around before you buy Noblr car insurance. Compare rates from multiple companies to find the best deal for you.

Keep reading our Noblr car insurance review to learn more about the company. Enter your ZIP code now to compare free car insurance quotes from companies in your area.

What is Noblr car insurance?

Founded in 2015, Noblr’s intent is to use telematics to offer drivers lower rates. While Noblr is an online company, coverage is only available in eight states.

USAA purchased Noblr in 2021. Since USAA only offers coverage to members of the military and their families, Noblr now requires military service for coverage as well.

Noblr is an online-only car insurance company, and drivers must do everything either in the app on the website.

What are Noblr car insurance rates?

Car insurance rates with Noblr are broken down into a fixed rate and a variable rate. This makes getting an accurate Noblr car insurance quote difficult.

First, there is a fixed monthly rate that is based on the usual factors that affect car insurance rates, such as your driving record.

To give you an idea of how your driving record can affect your rates, we’ll show you how some of the top companies weigh your record.

This table shows average car insurance rates based on driving records. You can see that bad driving can cost you thousands of dollars a year.

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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Noblr will refuse to offer coverage if you have a DUI or excessive accidents and tickets.

The second part of your Noblr car insurance rates are based on telematics and vary each month. The Noblr app monitors your driving behaviors and bases your rates accordingly.

Driving habits monitored by Noblr include:

  • Time of day you drive
  • Type of roads
  • Mileage
  • Hard braking and accelerating
  • Distracted driving

How well you do determines your rates. For example, drivers with a short, daytime commute who don’t use their phones while driving will see much lower rates than other drivers.

Telematics can do more than just lower your car insurance rates. It can also make you a better driver.

According to the Insurance Information Institute, drivers who use telematics receive immediate feedback and adjust driving behaviors quickly.

What car insurance coverages does Noblr offer?

Most states require drivers to carry at least a minimum amount of car insurance, and Noblr meets those requirements.

Noblr coverages include liability, collision, comprehensive, medical payments, and personal injury protection. Add-ons include rental car coverage and roadside assistance.

Roadside assistance is automatically included in Noblr policies, and drivers can use it up to three times each six-month policy term.

Noblr only offers car insurance, so drivers who need other coverages will have to look elsewhere. However, there are partner companies like Hippo, which offers homeowners coverage.

What car insurance discounts are available with Noblr?

Car insurance discounts play a huge role in lowering rates. While most car insurance companies offer a multitude of discounts, Noblr only offers three.

Noblr’s car insurance discounts are a new customer discount, a paid-in-full discount, and a discount if you renew your policy. Drivers can also get a $25 gift card for referring other drivers.

Other insurance companies offer many more discounts than Noblr. This table shows you common car insurance discounts from top companies, including USAA.

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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In many cases, discounts can lower your rates significantly. Even if one company offers lower initial rates, adding discounts can actually make another company cheaper.

Don’t forget to take into account discounts when you’re shopping for car insurance.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How do you cancel Noblr car insurance?

While you can cancel Noblr car insurance at any time, you can be charged a fee if you cancel within the first six months.

To cancel your coverage, call customer service at 1-877-236-6257 or send an email to [email protected] You need to have your personal information as well as the policy number and the date you want to cancel.

It’s very important that you have new coverage in place before you cancel your Noblr policy. Driving without car insurance can lead to fines and having your license suspended.

Once your Noblr car insurance policy has ended, follow up to see if you are due a refund if you prepaid for your coverage.

How do you file a car insurance claim with Noblr?

Filing a claim with Noblr is also easy. It can be done in the Noblr app or by calling customer service at 1-877-236-6257.

You will need to have all of the accident information available, including a police report and pictures of the damage if you have them.

The bad news is that many of the complaints about Noblr center around the claims process and customer service.

You should also consider carefully before filing an accident claim. A claim can raise your car insurance rates, and it may be cheaper to just pay for damages yourself.

What are the Noblr car insurance ratings?

How well the Noblr car insurance company is rated based on finances, customer interaction, and usability is very important.

Companies are rated by A.M. Best based on their financial stability. Noblr is not rated because it has only been around for a short time. USAA, on the other hand, has an A+ rating, showing an excellent ability to meet financial responsibilities.

Companies are rated by the Better Business Bureau (BBB) depending on how successfully they engage with customers. Noblr has been accredited and earned an A- rating.

App ratings are critical for Noblr because it relies on its app to calculate rates and give drivers access to their accounts. Users gave the Noblr app a 3.7/5 rating in the Google Play Store and a 3.9/5 rating in the Apple App Store.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Noblr Car Insurance: The Bottom Line

Drivers in eight states may find affordable Noblr car insurance, but they will have to be members of the military or family members to apply.

Noblr blends the traditional way rates are calculated with telematics to offer drivers lower rates. However, drivers with certain driving behaviors such as hard braking may find Noblr isn’t any cheaper.

Compare rates, discounts, and ratings from multiple companies before you buy car insurance. Every company has different offerings so shop around before you make a decision.

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