Based on Bankrate’s expert assessment, Noblr car insurance may be best for tech-savvy drivers with low annual mileage who practice safe driving habits. Noblr, a USAA-acquired company, is one of the most unique insurance providers on the market. As a policyholder with Noblr, your car insurance rates will be based on your driving patterns, habits and miles traveled. All of this information is tracked through its mobile app.
Drivers with Noblr pay insurance rates based on their own driving habits through the company's telematics program. To get started, drivers first purchase a policy online, then download the Noblr app onto their mobile phones. Features like location and motion settings must be enabled for the app to track driving behaviors to estimate car insurance rates and savings.
While driving, the Noblr app will track factors like mileage, acceleration and braking, types of roads driven, the time of day and how often drivers use their phones while driving. If you have other members in your household, it’s also possible to add additional drivers and track their driving progress.
Noblr’s car insurance coverage options are more basic compared to other car insurance carriers, even its parent company USAA. Outside of mandatory coverage, like liability and personal injury protection (where required), optional car insurance add-ons are limited to standard coverage like collision, comprehensive, rental reimbursement and in some states, medical payments. Every Noblr car insurance policy also comes with roadside assistance, but you can only use it three times in each six-month policy term. USAA members considering Noblr may also want to keep in mind that the carrier doesn’t appear to offer the same military-specific coverage and discounts as USAA car insurance and has far more limited state availability.
Unlike national car insurance carriers, Noblr car insurance is available in 15 states: Arizona, Colorado, Georgia, Illinois, Indiana, Louisiana, Maryland, Missouri, Nevada, New Mexico, Ohio, Pennsylvania, Texas, Virginia and Wisconsin. However, this is an improvement, as it was previously only available in 10 states. If you live in a state where this company is an option, Bankrate’s Noblr car insurance review can help you learn more about this company so you can decide if it’s the right fit for you.
Pros and cons of Noblr car insurance
When you’re shopping for the best car insurance, it helps to learn about coverage options, discounts and unique features of each company. Take a look at this quick pros and cons summary of Noblr car insurance:
Shopping for the best car insurance can take time but allows you to find the policy and company that most fits your needs. Noblr may have a unique approach to car insurance, but below are some alternatives, including two usage-based companies:
Noblr vs. USAA
As Noblr’s partner company, USAA is an alternative for qualifying members to consider when it comes to car insurance. Not only is USAA among some of the cheapest car insurance companies based on average rates, it also offers its SafePilot program to car insurance customers who want a telematics-based program from a nationally available insurer to help them save. Further, the company is consistently highly rated by J.D. Power for customer satisfaction.
Noblr vs. Clearcover
Another tech-based option, Clearcover, could be an option for drivers who want a digital interface for their car insurance. The company uses AI to make insurance-related tasks easier. 24/7 support is also available through the app.
Noblr vs. Root
Rates from Root car insurance are based entirely on driving behaviors and habits. Because of this approach, Root has an initial trial period, after which the company will offer or decline coverage. Still, its approach means the most personalized rates possible, so if you’re a good driver and don’t drive a lot, you might save a lot with this insurer.
Bankrate’s insurance editorial team spends hundreds of hours conducting thorough and unbiased company reviews to bring our readers the best carriers for their circumstances. We appreciate the time and care it takes to choose a company you can trust. We also understand that not every review is made equal, so we use our decades of combined industry experience to comb through data and present it in an approachable way.
All things considered, Noblr may not be a good option for every driver. It takes a unique approach to car insurance pricing through the exclusive use of a mobile app — customers who aren’t comfortable sharing data, don’t have a smartphone or are not tech-savvy may want to look elsewhere. However, drivers who don’t often drive (and drive safely when they do) may want to consider giving Noblr a try — but only if they meet Noblr’s strict eligibility requirements and live in one of the 15 states where coverage is available. In the end, the best way to decide if Noblr is ideal for you might be to visit the company’s website to request a quote.
What are real-life customers saying about Noblr?
To give you a clearer picture of the Noblr customer experience, we've read real-life testimonials and discussions from an often-overlooked source of candid feedback: Reddit. Reddit's open and diverse forums provide a wide range of opinions, offering a unique glimpse into what it's really like to be insured by Noblr. While not a traditional reviews site, it is a bustling hub where users freely exchange their personal experiences, advice and insights. By tapping into this rich vein of user-generated content, we aim to present a more nuanced view of Noblr directly from the perspective of individuals who have interacted with their services.
Noblr reviews on Reddit have shown mixed feedback about customer experiences. One user expressed frustration with the company's service, particularly when trying to obtain evidence of insurance for state requirements, raising concerns about the potential responsiveness in the event of an accident. On the other hand, another user highlighted Noblr's affordability, especially for those who drive less, citing a significant cost difference compared to traditional insurance rates. However, this user also noted compatibility issues with other insurance products, suggesting room for improvement in Noblr's offerings. These varied experiences underscore the importance of considering individual needs and circumstances when evaluating insurance options.
Noblr company details
For those interested in learning more about Noblr or in need of assistance, here are some key contact details:
- Customer service: 1-877-236-6257
- Sales: 1-877-236-6257
- Claims: 1-415-301-6487
- Glass claims: 1-415-936-8499
- Roadside assistance: 1-415-915-0027
- Address: 9800 Fredericksburg Rd, San Antonio, TX 78288
State availability
As of June 2023, Noblr's pay-as-you-drive insurance is accessible in the following states: Arizona, Colorado, Georgia, Illinois, Indiana, Louisiana, Maryland, Missouri, Nevada, New Mexico, Ohio, Pennsylvania, Texas, Virginia and Wisconsin.
Noblr tools and benefits
- Noblr works as a reciprocal exchange, which means it functions as a risk-sharing pool. In other words, the company pools its policyholders' premiums together and uses these funds to pay out claims.
- Noblr charges a small-yet-undisclosed membership contribution, which will allow Noblr to return profit back to its customers. However, the company states that this profit sharing is not yet enabled and does not say when it will be.
- At this time, Noblr does not advertise any tools or benefits for its policyholders outside of its app-based insurance offerings.