Noblr Insurance Review & Complaints (2024)

Noblr is a relatively new car insurance company offering usage-based insurance to drivers in only eight states.

Noblr determines auto insurance rates in part by your driving behaviors monitored with the app. The better you drive, the lower your rates.

This means that it is up to you if you can get affordable Noblr car insurance. Bad driving will cost you money.

Drivers should shop around before deciding on Noblr car insurance. Compare multiple companies to find your best deal.

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

What are Noblr car insurance rates?

Noblr has been around since 2015, but USAA recently purchased the company.

Although USAA only offers coverage to military members, veterans, and their families, there are no plans to make military service a requirement for Noblr car insurance.

Note that Noblr is only available in Colorado, New Mexico, Arizona, Texas, Louisiana, Ohio, Pennsylvania, and Maryland.

It can be difficult to get an accurate Noblr car insurance quote since rates are not as clear-cut as with other companies.

Noblr offers drivers lower rates based on their driving behaviors using telematics, and rates are determined two different ways.

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

Second, a variable monthly rate is charged based on certain driving behaviors. The Noblr app installed on your phone monitors your driving and helps calculate your rates.

What driving behaviors does Noblr look at?

Driving behaviors used to calculate Noblr car insurance rates include:

• Hard braking and accelerating can mean a driver either isn’t paying attention or is driving aggressively
• Late night or early morning driving when accidents are more likely to happen
• Mileage, since more miles on the road means a greater chance of being in an accident
• The roads you drive because you are more likely to be in accidents on surface streets

The behaviors monitored by the Noblr app can lead to more accidents or traffic tickets. Since your driving record is a huge part of your determining your rates, anything that can help keep your record clean is a plus.

To show you just how important your driving record is, take a look at this table showing average rates based on driving records. You can see how much an accident, ticket, or DUI can affect your rates.

Average Annual Car Insurance Rates by Driving History

Telematics can also keep you much safer. The Insurance Information Institute reports that drivers are more likely to develop safe driving habits if they get immediate feedback from telematics.

Keep in mind that you can’t get Noblr car insurance if you have a DUI, have ever submitted a fraudulent claim, or have excessive tickets or accidents.

What car insurance coverages does Noblr offer?

Noblr offers standard car insurance such as liability, comprehensive, collision, personal injury protection, medical payments, and uninsured and underinsured motorists coverages.

Unlike larger car insurance companies, Noblr doesn’t offer homeowners, renters, rideshare, or any other types of insurance.

On the other hand, Noblr does offer add-ons like roadside assistance and rental car coverage.

What Noblr car insurance discounts are available?

Even though most companies offer a multitude of car insurance discounts to help drivers get lower rates, Noblr only offers three.

Noblr car insurance discounts are:

• Paid-in-full discount for paying for your policy upfront
• New customer discount that is only available when you first sign up with Noblr
• Renewal discount when you renew after your six-month term

Since Noblr only offers car insurance, you can’t bundle home and auto policies to save. However, drivers can get a $25 Amazon gift card if they refer other drivers to Noblr.

While other car insurance companies may be more expensive to start with, discounts can drastically reduce rates. Check out this table of common car insurance discounts to see what Noblr is missing.

Car Insurance Discounts by Company

It’s important to compare rates and discounts from other car insurance companies to make sure you are getting the best rates out there.

How do you cancel Noblr car insurance?

You might want to change insurance companies, and canceling your Noblr car insurance is relatively easy.

You can cancel your Noblr coverage by calling customer service or sending an email. The Noblr customer service number is 1-877-236-6257 and the email address is [email protected].

Before you cancel your car insurance, there are common steps to take no matter which company you use.

Steps to canceling Noblr car insurance include:

• Check with Noblr to see when your policy expires. If you are within your first six months of service, you may be charged a cancellation fee.
• Shop around for car insurance. Every company will evaluate your personal factors and offer different rates. Comparison shop to find the lowest rates for you.
• Set your new policy to begin. Complete any necessary paperwork and make your payment to finish the process.
• Cancel your Noblr car insurance. Make sure you set your cancellation date for a day or two after your new policy is to take effect. This allows you to avoid a costly lapse in coverage.
• Follow up with Noblr after your cancellation date. Make sure your policy has been canceled and find out if you are due a refund if you paid in advance.

You can cancel coverage with Noblr car insurance company at any time, but it might be easier and cheaper if you wait until your policy expires and simply choose not to renew.

Claims Process at Noblr Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

If you’re considering Noblr Insurance, it’s important to understand their claims process. Noblr Insurance offers multiple options for filing a claim, ensuring convenience for their policyholders. You can file a claim online through their website, over the phone by contacting their customer service, or by using their mobile app.

This flexibility in the claims filing process caters to a wide range of customer preferences, making it convenient for those who prefer digital interactions or traditional phone support.

Average Claim Processing Time

One critical aspect of the claims process is the speed at which claims are processed. Noblr Insurance understands the importance of timely claim resolutions. While specific processing times may vary depending on the nature and complexity of the claim, Noblr aims to provide efficient and timely claim processing to minimize any inconvenience for their policyholders.

To get a clearer picture of the average claim processing time, it’s recommended to consult Noblr Insurance directly or refer to customer feedback.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when assessing an insurance company’s claims process. Noblr Insurance, like any insurer, may have received both positive and negative feedback from policyholders regarding their claim resolutions and payouts.

It’s essential to research and read reviews or testimonials from Noblr Insurance customers to gauge their overall satisfaction with the claims experience. This can provide insights into how effectively Noblr handles claims and fulfills its commitments.

Explore Noblr Insurance’s Digital and Technological Features

Mobile App Features and Functionality

In today’s digital age, insurance companies often offer mobile apps to enhance the customer experience. Noblr Insurance is no exception, providing a mobile app with various features and functionalities. To get a comprehensive understanding of what their mobile app offers, policyholders and potential customers should explore its features.

The app may include options for managing policies, filing claims, monitoring driving habits, and accessing important account information. Understanding the capabilities of the mobile app can help customers make the most of their insurance experience.

Online Account Management Capabilities

Convenience is a priority for modern insurance customers. Noblr Insurance likely offers online account management capabilities, allowing policyholders to manage their policies, view documents, make payments, and update personal information through a secure online portal.

Exploring these online features and understanding how to navigate them can empower customers to take control of their insurance policies efficiently.

Digital Tools and Resources

Digital tools and resources provided by Noblr Insurance can be valuable assets for policyholders. These resources may include educational materials, safety tips, and tools for monitoring and improving driving habits. By utilizing these digital resources, policyholders can not only stay informed but also potentially reduce their insurance premiums based on their driving behavior.

Noblr Insurance strives to combine technology with insurance, and understanding its digital and technological features is crucial for policyholders to make the most of their coverage and experience with the company.

What are the Noblr car insurance ratings?

A.M. Best rates companies on financial security.

Because Noblr is so new on the insurance scene, it hasn’t received an A.M. Best rating. However, USAA received an A+ showing a superior ability to meet financial obligations.

The Better Business Bureau (BBB) rates companies on how well they interact with customers. Noblr received an A- and is accredited.

Noblr uses its app to calculate rates and for drivers to access account information. It’s important that the app be dependable and user-friendly.

The Noblr app has a 3.8/5 rating in the Google Play Store and a 3.9/5 rating in the Apple App Store.

Noblr Car Insurance: The Bottom Line

Noblr determines your rates by combining your driving behaviors with traditional factors that are used to calculate your car insurance rates.

Although Noblr may have lower initial rates, it only offers three discounts to keep rates low.

Before you buy Noblr car insurance, shop around to make sure you are getting the best deal. Other car insurance companies may be cheaper once discounts are factored in.

We hope you’ve learned everything you need to know in our Noblr car insurance review. Before you go, enter your ZIP code to compare free quotes from car insurance companies in your area.