Noblr Auto Insurance Review: What to Know ({2024})

Noblr auto insurance is pretty new to the insurance arena, and it offers usage-based coverage to drivers for lower rates.

USAA, one of the top auto insurance companies out there, purchased Noblr in 2021.

Even though many drivers may find affordable Noblr auto insurance rates, it’s still important to shop around. Compare rates, discounts, and ratings to find the auto insurance company that’s right for you.

Keep reading our Noblr auto insurance review to learn more. Before you get started, enter your ZIP code to compare auto insurance quotes from companies in your area for free.

What is Noblr auto insurance?

Noblr offers completely digital auto insurance in eight states. Insurance rates are partially based on telematics, so drivers can save money by driving better.

USAA purchased Noblr in 2021, although Noblr has been around since 2015.

It’s important to note that USAA only offers coverage to military members and their families. Noblr now has the same requirements as USAA.

What are Noblr auto insurance rates?

If you’re a Noblr customer, your car insurance rates are calculated in two different ways.

First, Noblr uses the usual factors to determine your fixed monthly rate. These factors include things like your age, ZIP code, and driving record.

Out of these factors, your driving record is the most significant. It tells an insurance company how risky you are to insure.

To give you an idea of how your driving history impacts your rates, check out this table. It shows you average annual rates from top companies, including USAA.

Noblr won’t offer coverage to anyone with a DUI or excessive tickets or accidents.

The second part of your Noblr rate is based on telematics in the app and varies from month to month. This makes it extremely difficult to get an accurate Noblr auto insurance quote.

The Noblr app runs in the background on your phone and monitors certain driving behaviors. You literally determine how much you pay based on how you drive.

Driving habits monitored by Noblr include:

• Time of day you drive
• Mileage
• Interstate or surface roads
• Hard braking and accelerating
• Distracted driving

Each of these habits can cause you to be in an accident. While the telematics in the Noblr app is there to save you money, it can do more than that.

According to the Insurance Information Institute, telematics can also make you a safer driver by providing immediate feedback. This feedback lets you correct driving behaviors as they happen.

Although rates vary, Noblr does promise that for the first six months, you won’t be charged more than a set maximum. This allows you to try insurance to see if it fits your needs.

What auto insurance coverages does Noblr offer?

Noblr only offers online car insurance. The insurance offered includes liability, collision, comprehensive, medical payments, personal injury protection, and uninsured motorist coverages.

Noble also automatically includes roadside assistance in each policy. Drivers can use the coverage for free up to three times in each six-month policy term.

While Noblr also offers rental car coverage, it does not offer additional policies like homeowners or renters insurance. However, Noblr partners with Hippo and Toggle for those types of policies.

What auto insurance discounts are available with Noblr?

Auto insurance discounts can significantly impact rates. Most companies offer a multitude of discounts so that most drivers can take advantage.

However, Noblr only offers three discounts. Noblr discounts are a new customer discount, a paid-in-full discount, and a renewal discount. Drivers can also make referrals for a $25 gift card.

For comparison, let’s look at common auto insurance discounts offered by top companies, including USAA.

Discounts are a great way for drivers to get greatly reduced auto insurance rates. Always take into account discounts when comparing car insurance. Discounts can really determine which company is cheaper for you.

How do you cancel Noblr auto insurance?

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

When you are ready to cancel your Noblr coverage, call customer service at 1-877-236-6257 or send an email to [email protected]. You will need your policy number and the date you want your coverage to end.

Before you cancel, shop around for new coverage. You must have new auto insurance in place before your old policy ends to avoid a lapse.

A lapse in auto insurance can lead to fines and your driver’s license being suspended. Not to mention, you will see much higher rates when you decide to reinstate coverage.

How do you file an auto insurance claim with Noblr?

Drivers can file an accident claim with Noblr either through the app or by calling customer service. Have all of your information handy, such as any pictures of the damage, as well as a police report.

It should be noted that most of the Noblr negative reviews are based on its claims process.

You should also think twice before filing an insurance claim because claims can raise your auto insurance rates. Consider whether it will be cheaper to pay for damages yourself rather than paying higher car insurance rates.

What are the Noblr auto insurance ratings?

When it comes to insurance, ratings are as important as rates because you need to know you can depend on your auto insurance company when you need them.

While A.M. Best rates companies on financial stability, the Noblr auto insurance company hasn’t earned a rating yet. On the other hand, USAA has received an A+ rating showing superior financial stability.

Noblr has been around long enough to receive a Better Business Bureau rating (BBB). The BBB gives Noblr an A- rating on customer interaction.

Noblr app ratings are also important since drivers must do everything through the app, and it helps determine rates. However, the app only received a 3.9/5 in the Apple App Store and a 3.7/5 in the Google Play Store.

Noblr Auto Insurance: The Bottom Line

Noblr is a completely digital auto insurance company that only offers coverage in eight states. However, Noblr was just purchased by USAA, and drivers must be in the military or family members to get coverage.

Shop around before you buy Noblr auto insurance, especially if you work late at night or use your phone while driving. Each company offers different rates and discounts, so compare multiple companies to find the best deal.

We hope you’ve learned all you need to know about Noblr car insurance. Before you leave, enter your ZIP code to compare free auto insurance quotes from companies near you.