Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
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At a glance
Bankrate's take
Although relatively new, Noblr Insurance may be worth considering for drivers with a military connection. Owned by USAA, Noblr's policy premiums are based on your personal driving habits, accessed by the company through a mobile app. If you are generally a safe and careful driver, Noblr's potentially low rates could make them your company of choice.
Partner company of USAA, a reputable name in the insurance market
Offers potential cost savings with pay-as-you-go insurance, helpful for remote workers
Utilizes an app to conveniently monitor your driving to offer tailored quotes
Lacks nationwide availability and caters only to the military community
New
What's new with Noblr?
As of September 2021, Noblr is a USAA company and, therefore, only available to active-duty military members, veterans and qualified immediate family members. Noblr has plans to expand but is currently only offered in AZ, CO, GA, IL, IN, LA, MD, MO, NV, NM, OH, PA, TX, VA and WI.
Noblr car insurance
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:
Pros
Auto rates are highly personalized since they are based on your driving habits and mileage through the Noblr app
Owned by USAA
Strong mobile tools to support the app
Cons
Limited availability and basic insurance coverage types
Fewer potential discounts and rewards, especially compared to USAA’s policies
Lack of independent third-party reviews for customer satisfaction and claims handling
Noblr car insurance cost
Noblr’s average premiums are unavailable, but the 2024 national average cost of car insurance as of September 2024 is $2,348 per year for full coverage and $639 per year for minimum coverage. Your car insurance rates are determined by your personal factors, and this is particularly true with a company like Noblr that uses your real-time driving habits to set your premium. You may want to compare quotes from multiple providers to find the best deal for you.
To compare insurance quotes from Noblr, request a quote online, contact the company by phone or reach out via chat.
Noblr customer satisfaction
For many, rates aren’t the only consideration when requesting car insurance quotes. Instead, these shoppers may have customer service at the top of their minds. For this reason, Bankrate analyzes third-party scores to evaluate policyholder satisfaction.
Although we typically look to J.D. Power to understand a company’s satisfaction, J.D. Power did not include Noblr in any of its 2023 or 2024 insurance studies (likely because Noblr is a smaller carrier in the niche usage-based insurance market).
Additionally, Bankrate’s insurance editorial team usually reviews a company’s financial strength, but AM Best has yet to evaluate Noblr.
To understand this data, first, you should know that the NAIC keeps track of the customer complaints it receives about insurance companies and translates this into a complaint index score. If a company has an average number of complaints compared to other carriers of similar size, it is issued a complaint index score of 1.0. A score higher than 1.0 means that it receives more complaints than average, and anything below 1.0 indicates fewer.
Noblr auto insurance customer complaints
Although Noblr’s parent company USAA consistently receives high customer satisfaction scores, Noblr’s 2023 NAIC complaint index score of 4.13 may paint a different picture.
This score means that the company gets more than four times as many complaints as the average insurer of a similar size. Although this score is very high, it’s important to keep sample size in mind — the 2023 score only reflects three total complaints, and the year prior, the company only had one. Because Noblr is a small company and only collected a little over $14 million in annual premiums that year, every complaint the company gets may impact its score more heavily than it would a large carrier. The company is also relatively new and may still be finding its footing in customer experience.
With that said, drivers that prioritize customer service may want to speak to friends and family already insured with Noblr — testimonials from a trusted source can be a strong tool when evaluating an insurance company.
Noblr car insurance discounts
Noblr discount opportunities are limited, probably because its rates are already personalized based on your driving habits. Also known as Noblr Rewards, drivers can save on their car insurance by simply purchasing a policy, paying the fixed portion of the premium in full and renewing the policy at the end of the policy term.
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Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Noblr
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Noblr with other insurers
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.
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.
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.
Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Noblr insurance review.
46
years of industry expertise
122
carriers reviewed
20.7K
ZIP codes examined
1.2M
quotes analyzed
Is Noblr a good insurance company?
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.
Reddit
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.
Reddit user 1
Jan 10, 2024
Horrible so far and I'm just trying to get them...
“Horrible so far and I'm just trying to get them to complete an evidence of insurance to submit to my State MVA. I can't imagine what service would be like if I had an accident. I'll be changing as soon as this is rectified.”
“Just checked out Noblr for a quote and they offered...$11 a month vs. $66 straight with USAA. (I drive very little as I live in the city and use public transit for bike/walk for most things.)
The only issue at this point is that it isn't compatible with USAA Umbrella policy, or so says Noblr sales. Hopefully, that will change as $66/6 months beats $399/6 months any day. (Note that this isn't 100% the same coverage levels since my USAA has some levels a little higher than the top level Noblr offers, but still a close comparison and good enough levels to switch in a moment if the Umbrella issue is fixed.)”
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.
Frequently asked questions about Noblr insurance
Call Noblr at 1-877-236-6257 to file a claim or report it via the mobile app found on the App Store and Google Play. You’ll need to provide your name, policy number, accident details, and information about the other driver, if applicable.
Noblr is owned by USAA, and like it, offers insurance only to military members, veterans and their families. USAA consistently scores well for customer service, affordable rates and more. Since USAA only acquired Noblr in 2021, however, it's hard to say whether the company's high standards have been implemented by the smaller insurer. It's worth noting that Noblr's Complaint Index Rating with NAIC is higher than USAA's, suggesting that it does not yet have the emphasis on superior customer relationships that USAA has. If you are interested in Noblr Insurance, you may want to talk to other policyholders to get a sense of their experience with the company, until such time as more third-party data is available.
No single company always offers the best options to every driver, all the time. The best car insurance company for you may be the one that offers the most affordable rates, or perhaps other factors — such as excellent customer service or an extensive list of discounts — matter more to you. Understanding your priorities before your insurance search is one way to find the company that will offer the options that make sense for your situation.
While we strive to evaluate and rate as many insurance providers as possible, there are instances where a Bankrate Score is not available. This can occur with insurers like Noblr that have limited third-party data available or lack average rate data from Quadrant Information Services. Given the importance of these variables, it's not always feasible to assign a Score that accurately reflects the potential experience with a carrier. It's important to research and consider individual factors that may influence the quality of the insurance policy you receive.
Direct information regarding Noblr's sustainability practices is not readily available. However, it's worth noting Noblr's affiliation with USAA, its parent company, which has demonstrated a strong commitment to environmental responsibility and sustainability. Here are some highlights of USAA's efforts:
Environmental responsibility: USAA encourages paperless transactions, significantly reducing paper consumption and offering a more sustainable option for document delivery.
Health and safety: USAA is the first U.S.-based insurance company to earn the WELL Health-Safety seal, highlighting its commitment to the safety and well-being of employees and visitors.
Recycling initiatives: In 2022, USAA recycled over 2 million pounds of materials, effectively reducing landfill waste by more than 50 percent.
Water conservation: The San Antonio headquarters saves over 130 million gallons of water annually through various conservation measures, including the use of recycled water for landscaping.
Energy efficiency: USAA's main headquarters in San Antonio is recognized with the ENERGY STAR certification for superior energy performance.
Additionally, USAA has achieved recognition through the LEED Green Building Program, WELL Health Safety Rating and Fitwel Building Certification Program, underscoring its dedication to sustainable operations and building practices.
While these accomplishments reflect USAA's environmental stewardship, individuals interested in Noblr's specific sustainability practices might consider reaching out directly to the company for more detailed information.
What policyholders are saying about Noblr
Noblr has 24 reviews
Dive into community reviews below and see what others think about Noblr.
4.0
24
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
76% of consumers recommend this insurer
Score breakdown
5 stars
38%
4 stars
38%
3 stars
13%
2 stars
8%
1 star
4%
Score by category
Overall rating4.0 / 5
Original cost3.7 / 5
Coverage4.0 / 5
Customer Support4.2 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Noblr.
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Just was overtaken for the cheaper amount of money for my own account
How does this insurer compare to insurance companies you’ve had in the past?
Actually this one seems to be way more reliable
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Personalized support from a dedicated representative
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It's nice but it's hard to find good and affordable insurance
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It's nice to have insurance for anything so you don't have to come out the pocket
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Because this insurance has greatest benefits than the other ones.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I think because this company in more valid than the other.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage2/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Customer commissioner service is very thoughtful
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I can easily manage accounts and transfer funds
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Associated with my employer
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They value clients
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They've a good partnership with my employer
How does this insurer compare to insurance companies you’ve had in the past?
They rank favourably
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They respond quickly to claims
How does this insurer compare to insurance companies you’ve had in the past?
They're up there with the best
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
More efficient
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They have excellent response time
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They focus on my area of need
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
