Noblr Car Insurance Review (2025)

When it comes to car insurance companies, Noblr car insurance might not be at the top of your list. However, it should be considered for drivers who are looking for lower rates.

Noblr uses telematics to help determine rates, and drivers who don’t drive a lot of miles or late at night might find much cheaper rates.

Before you buy Noblr car insurance, shop around to find the best deal for you. Each company will offer a different rate, so comparison shopping is a must.

Read our Noblr car insurance review to learn more. Before you get started, enter your ZIP code to compare free car insurance quotes from companies near you.

What is Noblr car insurance?

Noblr was started in 2016 to offer drivers lower rates by using telematics. Although Noblr is only available in eight states, it was purchased by USAA in 2021.

Because USAA only offers insurance to members of the military and their families, Noblr will also make military service a requirement.

Noblr is different from USAA in that it uses telematics to help calculate rates. Drivers with certain driving behaviors are rewarded with lower rates.

Telematics can do more than just lower rates. It can also improve safe driving skills. According to the Insurance Information Institute, telematics provides drivers with immediate feedback, which makes them more aware of bad driving and will correct it.

What are Noblr car insurance rates?

Noblr rates are divided into two parts. There is a fixed monthly rate and a variable monthly rate. This makes it impossible to get an accurate Noblr car insurance quote.

The fixed monthly rate is based on the standard factors that determine your rates, such as age and driving record. This fixed rate will vary by driver.

To give you an idea of how much your driving record will affect your Noblr rates, check out this table showing rates from top companies.

Average Annual Rates by Driving History

How you drive will also affect the variable monthly portion of your rates.

Noblr uses telematics built into its app to monitor your driving behaviors. Rates are calculated based on how well you do in certain areas.

Driving behaviors monitored by Noblr include:

• Mileage – More miles equals a bigger chance of being in an accident
• Time of day you drive – Late night or early morning driving increases your chance of an accident
• Hard braking and accelerating – Shows aggressive driving
• Type of roads you drive on – Interstate driving means you are less likely to be in an accident
• Distracted driving – Handling your phone leads to more accidents

Noblr takes your driving very seriously. If you have a DUI or excessive accidents or tickets, Noblr won’t offer you coverage.

What car insurance coverages does Noblr offer?

Noblr offers car insurance coverages that meet the minimum requirements in each state. Coverages include liability, comprehensive, collision, and personal injury protection.

You can also find some extras to add to your policy. Although Noblr does not offer rideshare coverage, it does offer rental car coverage and roadside assistance.

Noblr’s roadside assistance is automatically added to every policy. Drivers can use the coverage up to three times in each six-month policy for free.

Noblr only offers car insurance, so drivers will need to find other policies elsewhere. Although, Noblr does partner with Toggle for renters insurance and Hippo for homeowners coverage.

What car insurance discounts are available with Noblr?

Car insurance discounts allow drivers to save money based on things like how they drive and the features of their cars. While most companies offer lots of car insurance discounts to choose from, Noblr only offers three.

Noblr car insurance discounts are:

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

Drivers with Noblr car insurance can also get a $25 gift card for referrals.

Since Noblr was purchased by USAA, it’s unclear if other car insurance discounts will be added to Noblr’s offerings.

For comparison, take a look at this table. It shows common car insurance discounts available from top companies, including USAA.

Car Insurance Discounts

Discounts can significantly lower car insurance rates. In fact, discounts can make such a huge difference they can determine which company is the cheapest for you.

Read more: What is the Allstate Good Student Discount?

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

How do you cancel Noblr car insurance?

It’s pretty easy to cancel Noblr car insurance. Once you have your personal information, policy number, and the date you want to cancel, call customer service at 1-877-236-6257 or send an email to [email protected].

Although you can cancel Noblr coverage at any time, you may be charged a fee if you cancel within the first six months.

Steps to canceling Noblr car insurance are:

• Find out when your policy ends. Since Noblr policies are only six months long, it might be better to wait until your policy ends to switch.
• Shop for new car insurance. Every company will weigh your personal factors differently, so be sure to compare multiple companies for the best deal.
• Set up your new coverage. Once you decide which company is right for you, get everything finalized. Be sure to start your new coverage before your old policy ends.
• Cancel your Noblr coverage. Find out if you are due a refund if you paid in advance.

When you are canceling car insurance, the most important thing to remember is to not let your coverage lapse.

Driving during a lapse in car insurance can lead to big headaches such as fines and even jail time. Not to mention, your rates will be higher when you do decide to get car insurance again.

How do you file a car insurance claim with Noblr?

If you need to file an accident claim with Noblr, there are two ways to start the process. You can either file the claim through the Noblr app or by calling customer service at 1-877-236-6257.

However, most of the negative reviews and comments about Noblr revolve around the claims process and customer service.

You should also think twice about filing a car insurance claim. Claims can cause your rates to increase, which can often cost you more money than just paying for the damages yourself.

What are the Noblr car insurance ratings?

Ratings are another thing to consider when looking for car insurance. You need to know your insurance company is dependable and easy to use.

A.M. Best rates companies how financially sound they are, but the Noblr car insurance company hasn’t been around long enough to be rated.

However, since USAA bought Noblr, we can look at its A.M. Best rating. USAA earned an A+ rating which shows a superior ability to meet financial obligations.

Noblr does have a Better Business Bureau (BBB) rating. The BBB rates businesses on customer interaction, and Noblr received an A- rating, and accreditation.

User ratings for the Noblr app are also important. Since drivers depend on the app to calculate rates, they need to have confidence that it works correctly and is easy to use.

However, ratings leave something to be desired. The Noblr app was rated 3.9/5 in the Apple App Store and 3.7/5 in the Google Play Store.

Noblr Car Insurance: The Bottom Line

Noblr car insurance rates are based on a unique blend of fixed and variable monthly rates. The good news is that drivers have a hand in determining rates.

However, finding affordable Noblr car insurance depends on availability, if you are a member of the military, and your driving behaviors.

Shop around before you commit to a car insurance company. Compare rates, discounts, and ratings to determine which one is right for you.

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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use