Noblr Car Insurance Review (2024)

In 2021, the USAA car insurance company acquired the Noblr car insurance company to quickly provide usage-based insurance (UBI) policies to USAA members.

The decision came after USAA experienced a massive increase in the participation of its behavior-based discount program, SafePilot, in 2020.

USAA is a military company, so only active and retired military personnel and their immediate families can buy Noblr car insurance policies.

Keep reading this Noblr car insurance review to discover what driving habits Noblr tracks, compare customer and financial ratings, and more to help you determine if this company is a good fit for you.

After learning about affordable Noblr car insurance, remember to enter your ZIP code into our free quote comparison tool above to receive rates from reputable companies in your region.

What is Noblr car insurance company?

Noblr is the newest addition to the USAA group and sells usage-based insurance (UBI) policies to USAA members.

USAA is a military company. So if you’re eligible for membership but are not one already, you can sign up while applying for your Noblr car insurance quote.

Civilians are otherwise ineligible and need to look into other car insurance companies for their best coverage.

UBI policies use telematics technology to track real-time information about your driving behaviors. Noblr uses a mobile app compatible with most Apple and Android devices.

After you download the app, it uses technology already installed on your mobile device to gather information about your speed, road choices, focused driving patterns, and more.

The app uses that information to generate your driver score, which changes month to month and helps determine the cost of the variable portion of your car insurance rate.

You also pay a fixed rate each month, which is a smaller, agreed-upon amount that does not change throughout your policy term.

However, for the first six months of your policy, Noblr guarantees your rates will not exceed an agreed-upon amount regardless of how you drive.

In the table below, learn exactly what driving behaviors Noblr car insurance tracks and bases your variable rates on.

At this time, Noblr only operates in Arizona, Colorado, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, and Texas.

However, the company plans to expand to the rest of the country over the next three years.

Keep in mind that where you live dictates what driving behaviors the app monitors and scores you on. For example, drivers in Maryland and Pennsylvania are not impacted by road choices.

The UBI policies from Noblr still provide you with the same level of protection as traditional car insurance policies.

You can purchase all of the basic coverage options from Noblr, including liability, collision, and comprehensive coverage.

Plus, the company offers uninsured motorist coverage, medical payments (MedPay) coverage, and personal injury protection (PIP) insurance in select states.

As policy add-ons, you can include rental car coverage and roadside assistance to your Noblr policy for a small fee.

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How do you get Noblr car insurance quotes?

To request Noblr car insurance quotes, you must visit the company website and use one of the online quote tools or call a customer service representative directly.

Remember, only USAA members are eligible to purchase Noblr car insurance. But if you’re not already signed up, you can complete your application while applying for a quote.

Once you accept your quote, you must download the Noblr car insurance mobile app. Follow all prompts to create a log-in and finalize your account.

For an accurate driver score, you must enable your device’s location and motion settings. For iOS users, ‘Motion & Fitness’ must be turned on.

Then, you’re ready to start driving. Keep track of your driver score in real-time directly in the mobile app.

Remember, Noblr promises your rates cannot exceed an agreed-upon amount for the first six months of your policy. So take that time to learn how to drive safely and earn your highest possible driver score.

If you want to add additional drivers to your policy, know that they must also download the app and create their unique log-in and account.

What is the average cost of Noblr car insurance?

At this time, Noblr car insurance rates are not publicly available. However, if you request a quote, you can compare it to the average countrywide rates and rates in the state where you live.

In 2018, the average cost of car insurance was $99.16 per month or $1,190 annually.

The table below compares the average annual car insurance expenditures in the eight states where Noblr currently operates, as reported by the Insurance Information Institute (III).

Since USAA backs Noblr, it’s also possible that rates from the two companies may look similar. The average cost of USAA car insurance is $161 per month or $1,932 annually.

Remember that Noblr insurance rates are broken into two parts, a variable and a fixed portion. However, USAA costs are almost always fixed.

So while your Noblr rates likely change from month to month, rates from USAA stay the same for the duration of your policy term.

Even though Noblr does not provide any potential rates on the company website, it states that earning a driver score of 100 for multiple months in a row earns you your lowest possible costs.

How do you file Noblr car insurance claims?

To file Noblr car insurance claims, call a Noblr representative directly, or access the claims center in your mobile app.

Unlike many other insurance companies, there is no Noblr claims center on the company website.

However, for your convenience, the app is designed so that you may file glass and regular claims in the same section of the app where you find your ID cards or contact roadside assistance.

Unfortunately, some Noblr customers poorly reviewed the claims center. Common complaints include slow turnaround times, unresponsive adjusters, and underperforming customer service representatives.

In truth, it is common for insurance companies to receive primarily negative reviews online.  However, it’s essential to keep these real customer experiences in mind while you shop around and compare the best car insurance companies.

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What car insurance discounts does Noblr offer?

According to the company website, Noblr does not currently offer any traditional car insurance discounts.

However, you can earn something called Noblr Rewards, which applies as a rate reduction to the variable portion of your policy.

The most common way to earn Noblr Rewards is by earning and maintaining a high driver score in the mobile app. This means driving safely according to the Noblr guidelines.

However, you also earn Noblr Rewards by purchasing a policy as a new customer, paying for the fixed portion of your policy in full, and by renewing your policy at the end of its term.

How does Noblr use your data?

All UBI policies, including Noblr, gather and store data about you and your driving choices. People concerned with privacy may want to know more about how Noblr uses that personal information.

According to the website, Noblr stores your data in an encrypted environment for your security.

Plus, the company does not share your data without your permission.

But according to the privacy policy, Noblr can use your information for analytic and marketing purposes and for developing new services.

If you desire, you may submit a written form to Noblr requesting to amend, correct, access, or delete the information the company collects about you. However, even if your request is approved, the company can still keep a copy of your information for administrative purposes.

Overall, Noblr uses your data in very similar ways to other UBI companies and does make an effort to protect your information.

But if privacy issues still concern you, a UBI policy may not be the best car insurance for you.

Contact a customer service representative during operational business hours for more information about how Noblr stores and uses your data.

What are the Noblr car insurance company ratings and reviews?

It’s crucial to analyze an insurance company’s financial ratings and customer reviews before committing to a policy.

Doing so helps you determine if the company is genuinely reliable and worth working with before spending any money.

Unfortunately, Noblr has not yet been rated by A.M. Best, one of the leading credit rating agencies. So instead, we’ll look at scores for the parent company that backs Noblr, USAA.

USAA earned an A++ A.M. Best score, implying that this company is financially robust and can follow through on all promises and obligations to policyholders.

Because USAA backs Noblr, you can trust this company to close any open claims even during an economic downturn.

But when it comes to customer reviews, Noblr sometimes falls short. For example, despite being Better Business Bureau (BBB)accredited and earning an A- rating, Noblr customers give it only 1.79-stars out of five.

Plus, it earned a 21.12 complaint index score, according to the National Association of Insurance Commissioners (NAIC). The median is always set to 1.00, and lower scores are ideal.

So a 21.12 means Noblr receives substantially more customer complaints than the median. By comparison, USAA has a complaint index of only 1.90.

The most common complaints include increasing variable rates for unknown reasons, slow or unresponsive claims, hidden cancellation fees, and poor customer service experiences.

Cheap car insurance is great, but it’s also essential that the company you use is reliable, friendly, and follows through during stressful times, like after a car accident.

So keep these Noblr driver experiences in mind while you comparison shop for your best car insurance coverage.

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Does Noblr sell other insurance products?

Technically, Noblr does not sell other insurance products besides usage-based car insurance policies.

However, USAA partners with various other groups to offer discounted and affordable insurance rates to USAA members.

For example, Hippo Insurance sells homeowner and condo policies to USAA members. Toggle, a company owned by Farmers, sells renters insurance with rates starting at $5 per month.

Plus, RLI, an American company, sells casualty and property insurance to the USAA community.

Product availability varies by state. For more information about these insurance offerings, visit the Noblr website or contact a customer service representative by phone.

Read more: Why Choose Hippo Insurance? A Comprehensive Review

What is the history of Noblr?

Noblr started as an insurtech company founded by Gary Tolman and Jason Foucher in 2017. Prior, Tolman acted as the president of Esurance from 2000 until 2015.

In 2020, USAA experienced a significant increase in the participation of its behavior-based discount program, SafePilot.

The program grew by 200%, with nearly half of all new members opting in to try SafePilot.

SafePilot technically rewards you with a policy discount based on your real-time driving behaviors. However, USAA also wanted to provide members with real usage-based insurance options.

So in 2021, the company acquired Noblr. Rather than building a UBI program from scratch, USAA invested in the already-established technology the Noblr brand created a few years prior.

Today, USAA plans to keep SafePilot and Noblr as two separate entities.

The goal is to allow members to choose between traditional coverage options from USAA and UBI coverage from Noblr.

Currently, Noblr only operates in eight states. However, the company plans to expand to the rest of the country over the next three years.

Noblr Car Insurance: The Bottom Line

Ultimately, if you’re a USAA member interested in trying out a UBI policy, consider looking into Noblr car insurance.

This company is ideal for safe, low-mileage drivers who do not often drive during unusual times or heavy traffic.

Additionally, you can earn $25 referral bonuses if you buy a policy and recommend the company to your friends.

However, high-risk drivers, new drivers still learning, or people with poor driving records may not earn the best rates from Noblr.

Also, this company did receive a high number of customer complaints, especially when compared to its parent company, USAA.

Hopefully, we have provided you with what you need to know to decide if you want to buy Noblr car insurance. Before you go, find best coverage for you by entering your ZIP code into our free rate comparison tool below to see quotes from top companies.