Noblr Car Insurance Review (2023)

Many car insurance companies offer drivers the ability to save money using telematics. Noblr car insurance is one of the newer usage-based companies out there. Although USAA purchased Noblr, it’s unclear exactly how that will affect the coverages and discounts offered in the future.

Before you buy Noblr car insurance, shop around to find the best deal for you. Every company will offer different rates, so compare multiple companies to find the best coverage with the cheapest rates. Keep reading our Noblr car insurance review to find out more. Before you begin, enter your ZIP code to compare free car insurance quotes from companies in your area.

Noblr Car Insurance Cost: Finding Affordable Coverage

When it comes to securing auto insurance coverage, one of the critical factors that drivers consider is the cost. Noblr Car Insurance, a digital insurance provider with a unique usage-based model, offers coverage that can be both cost-effective and tailored to individual driving habits.

In this review, we’ll delve into the various factors that affect the cost of Noblr Car Insurance, providing you with insights to help you make an informed decision about your coverage. Let’s explore the pricing structure, discounts, and potential for savings with Noblr Car Insurance.

• Usage-Based Pricing: Through the Noblr app, the company tracks various aspects of your driving, including distracted driving, mileage, the time of day you drive, types of roads you use, and driving behaviors such as hard braking and acceleration. Safer driving can lead to lower premiums.
• Geographic Location: The cost of auto insurance can vary by location due to factors like traffic congestion, accident rates, and even the likelihood of natural disasters. Noblr is currently available in eight states, and the cost of coverage may differ depending on your specific location within those states.
• Coverage Levels: The extent of coverage you choose will naturally impact your insurance costs. Noblr offers standard coverage options such as liability, collision, comprehensive, and more. The more comprehensive your coverage, the higher the premium is likely to be.
• Discounts: Noblr offers a limited number of discounts, including new customer, paid-in-full, and renewal discounts. These discounts can help reduce your overall premium costs.

Noblr Car Insurance is committed to providing cost-effective coverage through its innovative usage-based pricing model. By monitoring your driving habits, Noblr offers a personalized approach to auto insurance, which can lead to substantial savings for safe drivers.

However, the specific cost of your coverage will depend on various factors, including where you live and the level of coverage you select. To find out precisely how much Noblr Car Insurance will cost for your unique circumstances, it’s recommended to request a personalized quote. 

What are Noblr car insurance rates?

Noblr car insurance is based on a unique mix of fixed and variable monthly rates. Although rates vary, Noblr does promise that rates for your first six months won’t go over a certain price.

First, Noblr’s fixed monthly rates are based on the traditional factors that affect your car insurance.

So, what affects car insurance rates the most? Your driving record is by far the most significant factor that affects your rates. It shows your insurance company how risky you are to insure.

This table shows you average annual rates based on driving records from top companies, including USAA.

Noble doesn’t offer coverage to drivers with a DUI or with excessive accidents and tickets.

Second, Noblr uses telematics to calculate the variable portion of your rates. Telematics in the app monitors certain driving behaviors and charges lower rates the better you drive. You control this portion of your rates.

Noblr monitors these driving habits:

• Distracted driving
• Mileage
• Time of day you drive
• Types of roads you drive on
• Hard braking and acceleration

Telematics can do more than just save you money. According to the Insurance Information Institute, telematics also makes drivers safer by providing immediate feedback.

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Coverage Offered by Noblr Car Insurance

Noblr only offers car insurance, so drivers looking to bundle policies won’t find what they need.

• Liability Coverage: This foundational coverage helps pay for bodily injury and property damage costs if you’re found responsible for an accident. It also provides legal protection.
• Collision Coverage: Noblr offers collision coverage, which helps repair or replace your vehicle if it’s damaged in an accident, regardless of fault.
• Comprehensive Coverage: Comprehensive coverage takes care of non-collision-related damage to your vehicle, such as theft, vandalism, natural disasters, and more.
• Medical Payments: This coverage assists in paying for medical expenses for you and your passengers if you’re injured in an accident, regardless of fault.
• Personal Injury Protection (PIP): PIP covers medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault, and often includes additional benefits.
• Uninsured/Underinsured Motorist Coverage: Protects you in case you’re involved in an accident with a driver who has inadequate or no insurance, covering your medical bills and property damage.
• Rental Car Coverage: Noblr offers rental car coverage, which helps cover the cost of a rental vehicle while yours is being repaired after an accident.
• Roadside Assistance: Noblr includes roadside assistance as part of your policy, allowing you to access services like towing, jump-starts, and flat tire assistance.

Noblr Car Insurance provides a range of coverage options to meet the needs of its policyholders. It’s important to customize your coverage to match your specific circumstances and preferences.

Discounts Offered by Noblr Car Insurance

Car insurance discounts can significantly reduce the cost of your insurance premiums, offering a way for drivers to save money. While many insurance companies provide a wide array of discounts based on factors such as your driving history, policy choices, and vehicle features, Noblr takes a more streamlined approach by offering three distinct discounts.

These discounts include a new customer discount, a paid-in-full discount, and a renewal discount.

1. New Customer Discount
2. Paid-in-Full Discount
3. Renewal Discount

What car insurance discounts are available with Noblr?

Car insurance discounts allow drivers to drastically lower rates. Most companies offer many different discounts based on the driver, policy, and even the features of your car.

However, Noblr only offers three discounts. They are a new customer discount, a paid-in-full discount, and a renewal discount.

For comparison, this table shows common car insurance discounts offered by top companies, including USAA.

You can see that discounts can make a significant impact on your rates. They can even make a difference in which car insurance company is cheaper for you.

Evaluating Claims Handling: Noblr Car Insurance

Ease of Filing a Claim

Noblr car insurance offers a streamlined and digital-centric claims process for its policyholders. To initiate a claim, customers can choose between two convenient methods: using the mobile app or contacting customer service over the phone.

The mobile app serves as a user-friendly platform for filing claims, providing policyholders with a hassle-free way to report incidents and accidents. This digital approach enhances accessibility and expediency, making it convenient for customers to initiate the claims process from their smartphones.

Average Claim Processing Time

The efficiency of a car insurance company’s claims processing is crucial to providing timely assistance to policyholders. While specific data on Noblr’s average claim processing time may vary depending on the nature of the claim, the company aims to deliver swift and efficient service.

Policyholders can expect a reasonable turnaround time for their claims, but individual experiences may vary based on the complexity of the claim and the documentation provided.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Noblr car insurance has garnered mixed reviews regarding its claim resolutions and payouts. Some policyholders have expressed satisfaction with the company’s responsiveness and fair compensation for their claims.

However, there have also been instances where customers reported challenges and delays in the claims process. As with any insurance provider, the overall experience may depend on individual circumstances and expectations.

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Unleashing Innovation With Noblr Car Insurance Digital and Technological Features

Mobile App Features and Functionality

Noblr’s mobile app is a central component of its insurance offering, providing policyholders with an array of features and functionalities. The app allows users to monitor their driving behaviors, such as distracted driving and hard braking, which can influence their insurance rates.

Additionally, it serves as a convenient platform for filing claims, managing policies, and accessing important policy information. The app’s user interface is designed to be intuitive and user-friendly, enhancing the overall digital experience for customers.

Online Account Management Capabilities

Noblr places a strong emphasis on digital account management, enabling policyholders to access and manage their insurance policies online. Through the company’s website, customers can review policy details, make changes to their coverage, and view billing information.

This online account management feature provides flexibility and convenience, allowing policyholders to take control of their insurance needs from the comfort of their own devices.

Digital Tools and Resources

In addition to the mobile app and online account management, Noblr offers various digital tools and resources to assist policyholders in making informed decisions. These tools may include educational materials, insurance calculators, and resources to help customers better understand their policies and coverage options.

By leveraging digital technology, Noblr aims to empower its customers with the knowledge and tools necessary to navigate the complexities of car insurance effectively.

Customer Reviews for Noblr Car Insurance

Customer reviews of Noblr Car Insurance offer a mixed perspective on the overall experience. Some policyholders express satisfaction with the company’s innovative approach to usage-based insurance, applauding its ability to potentially reward safe driving habits with reduced premiums.

However, there are also instances of customers reporting challenges and delays in the claims process, which can impact their satisfaction. As with any insurance provider, the quality of the experience often depends on individual circumstances and expectations.

Notably, Noblr’s mobile app, which plays a central role in its digital insurance model, receives relatively positive ratings on both Google Play and the Apple App Store, indicating a user-friendly interface for policyholders managing their coverage.

History and Mission of Noblr Car Insurance

Noblr Car Insurance, established in 2015 and subsequently acquired by USAA in 2021, emerged as a pioneer in the realm of digital auto insurance. Initially designed to cater to a broader demographic, the company now aligns its mission with the core values of its parent organization, focusing on serving the needs of the military community and their families.

The mission of Noblr Car Insurance is to provide innovative and personalized coverage through its usage-based insurance model. By leveraging telematics and digital technology, Noblr aims to empower drivers to take control of their insurance costs and promote safer driving behaviors.

With a commitment to transparency, affordability, and individualized coverage, Noblr strives to offer a modern and customer-centric approach to car insurance while prioritizing the unique needs of the military community it serves.

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Noblr Car Insurance: The Bottom Line

Drivers with good driving habits can find affordable Noblr car insurance in eight states. However, USAA bought Noblr and requires drivers to be in the military or be family members to get coverage.

Before you pick a car insurance company, compare rates, discounts, and ratings to find a company that meets your needs.

Now that you’ve learned everything you need to know about Noblr auto insurance, enter your ZIP code to compare quotes from car insurance companies near you for free.

How do you cancel Noblr car insurance?

Because there are many reasons you may need to cancel your Noblr car insurance policy, it’s good to know you can do so at any time. However, Noblr may charge a cancelation fee if it’s within the first six months.

To cancel coverage, have your policy number and the date you want your coverage to end and call customer service at 1-877-236-6257 or send an email to [email protected].

There are certain steps to follow to make your cancelation process as easy as possible.

The steps to canceling car insurance are:

• Find out when your Noblr policy expires. Since policies are only six months long, it may be cheaper and easier to wait until the policy ends to switch companies.
• Shop around for new coverage. Every company will weigh your information differently and offer different rates.
• Get your new coverage in place. Make sure your new policy begins at least a day before your Noblr coverage ends to avoid a lapse.
• Let Noblr know you are leaving. After your cancelation date, follow up to see if you are due a refund if you prepaid.

It is very important that you don’t allow your car insurance to lapse. A lapse in coverage can cause you to have your license suspended or your car impounded. Not to mention, you can be charged fines and higher insurance rates.

What are the Noblr car insurance ratings?

Noblr car insurance ratings are also important. You need to have confidence that your insurance company will be there when you need it.

Companies are rated by A.M. Best based on their financial health. The Noblr car insurance company isn’t rated because it hasn’t been around that long. USAA, on the other hand, has an A+ rating, indicating that it has a superior ability to meet financial responsibilities.

However, Noblr has been around long enough to earn a rating from the Better Business Bureau (BBB) on customer interaction. The BBB gave Noblr an A- rating and accreditation.

How well the app rates is also important since it is used for everything from getting your policy information to calculating rates. On Google Play, the Noblr app scored a 3.7/ rating, and on the Apple App Store, it got a 3.9/5 rating.

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