Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Nov 30, 2021

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The Truth in a Nutshell

  • Noblr car insurance rates are based on fixed and variable monthly rates
  • The Noblr app uses telematics to monitor driving behaviors
  • Noblr is only available in eight states

Noblr is a newer online-only car insurance company that partially bases rates on how you drive. This means your driving behavior can save you money.

However, not all drivers will find affordable Noblr car insurance. Know the pros and cons of usage-based car insurance to determine if Noblr is right for you.

Keep reading our Noblr car insurance review to see if the company is a good fit for you. Before you begin, enter your ZIP code to compare free quotes from car insurance companies in your area.

What is Noblr car insurance?

Although Noblr has only been around since 2015, it was purchased in 2021 by USAA. USAA requires drivers to be members of the military to receive coverage, and drivers who want Noblr coverage must be or qualify as a USAA member as well.

Noblr offers drivers lower rates by using telematics to monitor driving. While Noblr is offered online, it’s only available in Arizona, Colorado, Louisiana, Maryland, Ohio, Pennsylvania, New Mexico, and Texas.

Noblr rates are calculated two different ways, meaning you can’t get an accurate Noblr car insurance quote.

The first part of your rate is fixed and determined by your personal factors such as your age, driving record, and ZIP code.

The second part of your rate varies from month to month based on your driving. The Noblr app uses telematics to monitor your driving. The way you drive will either save or cost you money each month.

Noblr monitors driving behaviors like:

  • Mileage
  • Time of day you drive
  • Type of road you drive on
  • Hard braking and acceleration

All of these behaviors can affect your safety and lead to more accidents. Accidents, in turn, cause your car insurance rates to increase.

What are Noblr car insurance rates?

Noblr car insurance rates will vary greatly from driver to driver. However, your driving record has the most impact on your rates.

How much does insurance go up after an accident? Take a look at this table to see just how much your driving history affects rates.

Average Annual Car Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean Driving RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One 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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As you can see, drivers with accidents, tickets, or DUIs pay much higher car insurance rates than drivers with a clean record.

Telematics can do more than just lower your car insurance rates. Telematics used in the Noblr app can give drivers immediate feedback.

According to the Insurance Information Institute, this immediate feedback allows drivers to be more aware of driving habits and make adjustments.

What car insurance coverages does Noblr offer?

Since Noblr only offers car insurance, it isn’t a good fit for drivers who want to bundle policies like home and auto.

Noblr offers standard car insurance coverages like liability, collision, comprehensive, rental car coverage, and roadside assistance.

Each state determines its own car insurance requirements, but most of them require at least a minimum amount of liability coverage. However, adding collision and comprehensive insurance will ensure you are fully covered.

What car insurance discounts are available with Noblr?

Most car insurance companies offer a variety of discounts to help drivers lower rates. That’s not the case with Noblr.

Noblr car insurance discounts are:

  • New customer discount
  • Paid-in-full discount
  • Renewal discount

Although drivers can also get a $25 gift card for referrals, there aren’t many extra ways to save with Noblr.

For comparison, this table shows you common car insurance discounts offered by top companies. The amount of the discount is listed if it is known.

Car Insurance Discounts by Company
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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Discounts can make a significant impact on rates and can even change which company is cheaper for you.

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How do you cancel Noblr car insurance?

You can cancel Noblr car insurance at any time for any reason. However, you may be charged a fee if you cancel before your six-month policy is up.

In order to cancel, have your name, address, policy number, and cancellation date handy.

It may be easy to cancel Noblr car insurance, but there are still some steps to follow to make the process as easy as possible.

Steps to cancel Noblr car insurance include:

  • Find out when your policy ends. It may be easier and cheaper to switch car insurance companies when your policy ends.
  • Shop around for new auto insurance. Every company will offer different rates and discounts so compare multiple quotes.
  • Finalize new coverage. Complete the application process and pick your start day. Make sure your new policy starts at least a day before the old policy ends.
  • Let Noblr know you are leaving. Once your Noblr policy has ended, check to see if you are due a refund if you paid in advance.

It’s extremely important that your new coverage is in place before the old coverage ends. If your car insurance lapses, you could face fines, a driver’s license suspension, and even jail time.

How do you file a car insurance claim with Noblr?

Drivers who need to file a claim with Noblr can do so through the app or by calling customer service at 1-877-236-6257.

Keep in mind that filing a claim can raise your car insurance rates. Pay for damages yourself if you are able. Although you will pay more upfront, you will save money in the long run with lower rates.

What are the Noblr car insurance ratings?

The Noblr car insurance company hasn’t been around very long and hasn’t been fully rated.

For example, Noblr hasn’t earned an A.M. Best rating yet. A.M. Best rates companies on financial stability.

USAA purchased Noblr in 2021. The good news is that USAA has been rated by A.M. Best. USAA received an A+ rating showing superior financial stability.

Noblr has earned a Better Business Bureau (BBB) rating. The BBB rates companies on customer interaction, and Noblr received an A- rating.

Since Noblr uses its app to calculate rates, it’s important that the app is rated well. However, the Noblr app received only a 3.8/5 rating in the Google Play Store and a 3.9/5 in the Apple App Store.

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Noblr Car Insurance: The Bottom Line

Although Noblr can offer cheaper rates to drivers with a short commute or who don’t work night shift, it’s not right for everyone.

Shop around before you buy Noblr car insurance. Compare rates, discounts, and ratings to find great coverage with low rates.

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