Noblr Insurance Review & Complaints

Noblr car insurance provides discounted rates to drivers based on their driving habits. To partially determine prices, the Noblr auto insurance app tracks habits such as hard braking and acceleration, miles driven, and time of day the drive happens. Noblr is a new car insurance company that is only available in eight states, and customer service and claims timeliness have been reported to be a problem.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Dec 14, 2021

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The Highlights

  • Noblr uses telematics to monitor certain driving behaviors
  • Coverage is only available in eight states
  • Noblr only offers three car insurance discounts

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
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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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.

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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
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/Ax
Defensive Driver105105103
Distant StudentN/A10x7
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/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/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging/StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/A535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership/GroupN/AN/AN/A107N/AN/AN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
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/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
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/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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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.

How do you file a car insurance claim with Noblr?

If an accident happens, you need a company that you can depend on and an easy claims process.

Although Noblr doesn’t go into detail about its claims process, you can call customer service or use the app to start your claim.

The customer service phone number is 1-877-236-6257. A customer service representative can get your claim started. However, it should be noted that most of the complaints filed revolve around Noblr’s claims service.

If you do have to file a claim, there is certain information that you will need. Be sure to have a copy of the police report and pictures of the damage on hand.

Are you looking for free insurance quotes?

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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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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