Noblr Car Insurance Review [2024]

Noblr car insurance offers drivers lower rates based on how they drive. Noblr breaks rates into two parts. First, fixed rates are calculated based on the usual factors such as your age and driving record. Next, the Noblr auto insurance app uses telematics to monitor driving behaviors like mileage and determines a variable rate each month. Noblr is a good fit for drivers who have short commutes, don’t work late shifts, and don’t need a fixed monthly payment.

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Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Zach Fagiano

Insurance & Finance Analyst

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Insurance & Finance Analyst

UPDATED: Apr 3, 2024

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Company Details
Address: 1 Union St Suite 210
City: San Francisco
State: CA
ZIP Code: 94111
Phone Number: 1-877-236-6257
Year Founded: 2015
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Noblr is a new company that offers a usage-based auto insurance program in eight states. Noblr car insurance rates are calculated in part based on your driving behaviors, such as how far you drive each month.

These driving behaviors, combined with the usual factors affecting your rates, determine how affordable Noblr car insurance is for you. Better driving gets you lower rates.

However, drivers should shop around before picking a car insurance company. Compare multiple companies to find the coverage you need with the lowest rates.

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 today.

What are Noblr car insurance rates?

Noblr is a new online car insurance company that uses telematics to help determine rates.

Although you can get Noblr car insurance quotes online, coverage is only available in Arizona, Colorado, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, and Texas.

Noblr car insurance rates are calculated in two parts and can vary from month to month.

First, Noblr determines the fixed portion of your rates. Factors that affect the fixed part of your rates include your age, driving record, and ZIP code.

The second part of your rates is considered the variable portion. This is where telematics in the Noblr app comes in.

The app runs in the background on your smartphone and evaluates your driving in several areas.

Driver behaviors monitored by the Noblr app include:

  • Mileage – more miles on the road equals a greater chance of being in an accident
  • Time of day you drive – driving late at night or early in the morning can lead to accidents
  • Braking and accelerating – hard braking or fast acceleration can indicate either lack of attention or aggressive driving
  • Where you drive – surface roads are more dangerous than highways

All of these behaviors can lead to more accidents. Accidents, tickets, and DUIs can significantly raise your car insurance rates.

Check out this table that shows average annual rates from top companies to give you an idea of just how much your driving record affects your car insurance 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
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01

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The good news is that telematics can do more than just save you money.

According to the Insurance Information Institute, telematics can also make you a much safer driver by providing immediate feedback on your driving habits.

Keep in mind that you can’t get Noblr car insurance coverage with DUIs or excessive tickets or accidents.

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What car insurance coverages does Noblr offer?

Noblr only offers car insurance, but it does partner with Hippo to offer insurance for home and condo owners.

Car insurance coverages offered by Noblr include:

  • Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Personal injury
  • Uninsured/underinsured motorists
  • Rental car coverage
  • Roadside assistance

Noblr is unique in that it offers drivers free roadside assistance that can be used up to three times every six months.

Noblr does not currently offer additional coverages such as rideshare insurance.

Read more: Hippo Car Insurance Review 

What car insurance discounts are available with Noblr?

Drivers can take advantage of car insurance discounts to significantly lower rates.

Most companies offer a variety of discounts in many different categories, such as how well you drive. However, Noblr only offers three discounts for drivers.

Noblr car insurance discounts are:

  • New customer discount available when you first sign up with Noblr
  • Paid-in-full discount for paying all six months of the fixed portion of your rates
  • Renewal discount when you renew your policy after the six-month term

Drivers are also eligible for a $25 Amazon gift card for referring other drivers to Noblr.

This table shows you common car insurance discounts offered by top companies. You can see that most auto insurance companies offer many more discounts than Noblr.

Car Insurance Discounts by Company
Discount NameAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Adaptive Cruise Control5%
Adaptive Headlights5%
Anti-lock Brakes10%5%5%5%5%
Claim Free35%26%10%15%23%12%
Continuous Coverage15%
Daytime Running Lights2%3%5%5%
Defensive Driver10%10%10%5%10%5%10%3%
Distant Student35%10%7%
Driver's Ed10%10%10%15%8%3%
Driving Device/App20%40%30%40%20%50%30%5%
Early Signing10%8%10%12%
Electronic Stability Control2%5%
Emergency Deployment25%
Engaged Couple
Family Legacy10%
Family Plan25%
Farm Vehicle10%
Fast 5
Federal Employee12%10%
Forward Collision Warning5%
Full Payment10%$508%
Further Education10%15%
Good Credit
Good Student20%15%23%10%25%8%3%
Green Vehicle10%5%10%10%
Lane Departure Warning
Life Insurance
Low Mileage30%
Military Garaging15%
Multiple Drivers
Multiple Policies10%29%10%20%10%12%17%13%
Multiple Vehicles25%10%20%10%20%8%
New Address5%
New Customer/New Plan
New Graduate5%
New Vehicle30%15%40%10%12%
Newly Licensed5%
Occasional Operator
On-Time Payments5%15%
Online Shopper7%
Paperless Documents10%5%$50
Paperless/Auto Billing5%$30$203%3%
Passive Restraint30%30%40%20%40%
Recent Retirees4%
Roadside Assistance
Safe Driver45%15%35%31%15%23%12%
Seat Belt Use15%
Senior Driver10%
Stable Residence
Students & Alumni10%7%
Switching Provider10%
Utility Vehicle15%
Vehicle Recovery10%15%35%25%5%
VIN Etching5%
Young Driver$75

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Car insurance discounts can make a significant impact on your rates. Even if one company has lower rates initially, adding discounts can make another company much cheaper.

How do you cancel Noblr car insurance?

You can cancel your Noblr auto insurance at any time, for any reason. However, if you cancel during your first six months with Noblr, you may be charged a cancellation fee.

In order to cancel your coverage, call customer service at 1-877-236-6257 or send an email to You will need your name, address, and policy number on hand to cancel coverage.

Steps to cancel your Noblr car insurance are:

  • Find out when your policy ends. If you are close to your renewal date, it might be cheaper and easier to wait until your policy is over to change car insurance companies.
  • Shop around for new coverage. Every company will evaluate your personal factors differently and offer different rates. Also, take into consideration discounts since they can make a huge difference in rates.
  • Sign up for new coverage. Complete any necessary paperwork and pay for your new policy.
  • Cancel your Noblr car insurance. Make sure that your new coverage begins a day or two before your old coverage ends. A lapse in car insurance can cost fines and a driver’s license suspension.
  • Follow up with Noblr after your policy ends, and ask about any refund you may be due.

Even though you can cancel your Noblr car insurance at any time, consider waiting until your policy ends to make a switch to avoid any possible fees.

How do you file a car insurance claim with Noblr?

Filing a car insurance claim with Noblr is pretty easy. You can do so by calling customer service at 1-877-236-6257, or you can start the claims process through the Noblr app.

Drivers should keep in mind that filing a claim can increase their car insurance rates. Consider paying for damages out-of-pocket if possible.

While paying for damages yourself is more expensive up front, it can save you money in the long run by keeping your rates lower.

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What are the Noblr car insurance ratings?

When it comes to insurance, you need to take into account more than just rates. Ratings are also important since they indicate how well your car insurance company will work for you.

A.M. Best rates companies based on how financially stable they are. Because the Noblr car insurance company is such a new company, it does not have an A.M. Best rating.

However, USAA just bought Noblr, and it has an A+ rating, showing a superior ability to meet financial obligations. This can give drivers peace of mind that Noblr has a stable company behind it.

Noblr does have a Better Business Bureau rating. The BBB rates businesses on how well they interact with customers, and Noblr received an A rating and accreditation.

App ratings are also very important since Noblr uses its app to help calculate your rates, and it’s how drivers access their policies.

The Noblr app received 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 is a new car insurance company that offers lower rates based on telematics that monitor behaviors like hard braking and the time of day you drive.

While initial rates can be low, rates will vary each month, and very few additional discounts are offered.

Before you buy Noblr car insurance, consider if it is the right fit for you. Drivers who work late shifts, have long commutes, or only drive surface streets may not see any lower rates.

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

Frequently Asked Questions

What factors are used to calculate Noblr car insurance rates?

Noblr car insurance rates are calculated based on two parts. The fixed rates are determined by factors such as age, driving record, and ZIP code. The variable rates are determined using telematics data collected through the Noblr auto insurance app, which monitors driving behaviors like mileage, hard braking, and time of day.

In which states is Noblr car insurance available?

Currently, Noblr car insurance is available in the following states: Arizona, Colorado, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, and Texas.

What driving behaviors does the Noblr app monitor?

The Noblr app monitors driving behaviors such as mileage, hard braking, acceleration, cornering, and time of day.

What coverages does Noblr offer?

Noblr offers car insurance coverage. However, it also partners with Hippo to offer insurance for home and condo owners.

How can I cancel my Noblr car insurance?

To cancel your Noblr car insurance, you can call customer service at 1-877-236-6257 or send an email to You will need to provide your name, address, and policy number to cancel the coverage.

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