Noblr Car Insurance Review (2022)

USAA acquired the Noblr car insurance company after experiencing a major increase in the participation of the behavior-based driving discount program, SafePilot. If you’re a USAA member, you can currently buy Noblr car insurance in six states, plus the company plans to expand soon. Your Noblr car insurance rates are based on your mileage, road choices, time of day, focused driving, and braking and acceleration.

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UPDATED: Dec 21, 2021

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  • USAA acquired the Noblr car insurance company to provide USAA members with usage-based insurance (UBI) policies
  • All Noblr policies include a fixed base rate and a variable rate that changes based on your driving habits
  • Noblr currently operates in eight states but plans to expand further in the future

USAA acquired the Noblr car insurance company in 2021 after experiencing a large increase in the participation of the behavior-based driving discount program, SafePilot.

Noblr only sells usage-based insurance (UBI) policies that base rates in part on your real-time driving behaviors.

However, you must be eligible for a USAA membership to qualify for coverage. So only active or retired military personnel and their families can buy Noblr car insurance.

In this Noblr car insurance review we’ll compare customer reviews, financial scores, and learn about the claims process and cost of Noblr insurance. Read on to find out if this company is right for you.

After learning about affordable Noblr car insurance, remember to compare quotes from the best companies near you by entering your ZIP code into our free rate tool above.

What is Noblr car insurance?

USAA car insurance company acquired Noblr in 2021 to quickly offer UBI policies to interested USAA members. This means you must apply for a USAA membership to purchase Noblr insurance.

USAA is a military car insurance company that services active or retired military personnel and their immediate family members. So civilians need to look at other companies for coverage.

Usage-based car insurance policies typically use telematics technology to collect data about your real-time driving behaviors.

Noblr customers download a mobile app that uses technology already in your device to track information about your speed, road choices, focused driving, and more.

Each month, the app calculates a variable rate for you based on your driver score, which reaches up to 100. Earning the highest score repeatedly gives you the lowest rate.

But with Noblr insurance, you also pay a low-cost monthly fixed rate that does not change throughout your policy term.

Plus, for all new customers, Noblr guarantees that your rate will not exceed an agreed-upon limit for the first six months of your policy, regardless of your driving performance.

Check out the table below to learn exactly what driving behaviors Noblr bases rates on and for tips about earning your highest possible driver score.

Driving Behaviors Evaluated by Noblr Car Insurance Company
Driving BehaviorDetails
FocusTo earn the highest score, don't use your phone or touch the screen while driving.
MileageDrive fewer miles to earn a higher score.
Road choicesDrive on highways more often than city roads, as highway driving is statistically safer.
SmoothnessHard braking events and speeding negatively impact your score.
Time of dayBecause nighttime driving is statistically more dangerous, driving between the hours of 11 p.m. and 4 a.m. negatively impacts your score.
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Noblr operates in eight states, including Arizona, Colorado, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, and Texas. But the company plans to expand further in the future.

However, where you live impacts what driving behaviors affect your monthly driver score. Specifically, road choices are not factored into your evaluation for Maryland and Pennsylvania drivers.

UBI policies from Noblr still provide the same basic car insurance coverages that you’d find through traditional insurance companies.

You can purchase liability, collision, and comprehensive insurance policies from Noblr.

Plus, uninsured motorist coverage, medical payments (MedPay) insurance, and personal injury protection (PIP) insurance are also available in select states.

For an additional fee, you have the option to add rental car coverage and roadside assistance to your Noblr policy as well.

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How do you request Noblr car insurance quotes?

To request a Noblr car insurance quote, visit the company website and use one of the online quote tools or call the company directly.

You must be a USAA member to purchase a Noblr car insurance policy. However, if you are not already, you can sign up while securing your Noblr coverage.

After securing your quote, you’ll download the Noblr insurance mobile app and follow the prompts to log in and create your account.

The Noblr insurance app is compatible with most Apple and Android devices. But for accurate results, you must enable your location and motion settings on your device, and iOS users must enable ‘Motion & Fitness’.

Once you start driving, the app automatically collects data about your trips. You can see details about your real-time driver score directly in the mobile app.

Remember, new customers’ rates cannot exceed an agreed-upon amount for the first six months of your policy, regardless of how you drive.

So use this time to learn how to drive safely and earn your highest possible driver score.

Finally, if you add additional drivers to your policy, they must also use the Noblr app and create a unique login.

What are the average Noblr car insurance rates?

Noblr car insurance rates are currently 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.

Car insurance costs $99.16 per month or $1,190 annually on average.

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

Average Annual Car Insurance Expenditures by State
StatesAverage Annual Car Insurance Expenditures
New Mexico$915.62
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Since USAA owns Noblr, it’s possible rates from the two companies may look similar. Nationally, USAA car insurance costs $161 per month or $1,932 annually on average.

However, keep in mind that Noblr monthly insurance payments are technically split in two, as you pay a fixed monthly base rate plus a variable monthly rate that changes based on your driving behaviors.

Unlike Noblr, USAA insurance costs typically do not change throughout the length of your policy term.

Unfortunately, Noblr does not state how much a driver may save by earning a high driver score. However, the website says that receiving a 100 for several consecutive months leads to your lowest rates.

How do you file a Noblr car insurance claim?

You can file a Noblr car insurance claim directly in the mobile app or by calling a Noblr representative. However, representatives are only available by phone during regular business hours.

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

You file glass and regular claims in the same part of the app where you access your ID cards and contact roadside assistance.

Unfortunately, some customers rate the Noblr claims process poorly.

Common complaints include an unresponsive claims center during operational business hours, slow turnaround times, and underperforming customer service representatives.

While it is common for insurance companies to receive primarily negative online reviews, keep these experiences in mind while comparison shopping for coverage.

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Does Noblr offer any car insurance discounts?

Noblr does not currently list any car insurance discounts on the company website. However, you can earn Noblr Rewards, which discounts your policy’s variable portion.

The most common way to earn Noblr Rewards is by practicing safe driving techniques and maintaining a high driver score.

However, you can also earn rewards by purchasing a policy as a new customer, paying the fixed portion of your premium in full, and by renewing your policy at the end of the term.

How does Noblr use your data?

All UBI policies collect and store data about you and your driving. Customers concerned with privacy may want to know more about how exactly Noblr uses that data.

According to the website, Noblr does not share data or information without your express permission. Plus, your data is always stored in an encrypted environment for your security.

However, the privacy policy states that Noblr can use your data for developing new services or for analytic and marketing purposes.

You can request to access, amend, delete, or correct the information Noblr collects about you by submitting a written form.

Know that even if your request is approved, the company may keep a copy of your information for administrative purposes.

Overall, the way Noblr uses your data is similar to how most other UBI programs use data, and the company does make efforts to maintain your privacy.

What are the Noblr car insurance ratings and reviews?

Analyzing an insurance company’s customer reviews and credit ratings allows you to determine if the company is reliable and efficient before actually committing to a policy.

Fortunately, USAA backs Noblr, and USAA received solid scores from the leading credit rating agencies. Notably, the company earned an A++ A.M. Best score. You can trust Noblr to follow through on any financial obligations to policyholders.

However, when it comes to customer reviews, Noblr sometimes falls short. While the company is accredited by the Better Business Bureau (BBB) and earned an A- rating, customers gave it a 1.79-star rating out of 5.

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

Unfortunately, a 21.12 means that Noblr receives significantly more complaints than the median. By comparison, USAA earned a much lower complaint index of 1.90.

Common customer complaints include variable rates increasing for reasons unknown to the driver, a slow or unresponsive claims center, hidden cancellation fees, and poor customer service interactions.

While cheap car insurance rates are great, it’s also crucial that the insurance company you use is easy to interact with. So keep these Noblr ratings and reviews in mind while comparing car insurance companies.

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What is the history of Noblr car insurance?

In 2017, Gary Tolman and Jason Foucher founded the insurtech company Noblr. Tolman previously acted as the president of Esurance car insurance company from 2000 through 2015.

In 2021, USAA acquired Noblr to roll out UBI insurance policies for USAA members quickly.

Rather than start a new company from the ground up, USAA decided to purchase Noblr and use the telematics technology the company had already perfected.

The purchase happened after USAA experienced a significant increase in the participation of its behavior-based discount program, SafePilot.

According to some sources, the program grew by 200% in 2020, with nearly half of all new members enrolling.

But the company plans to keep both Noblr and SafePilot as two separate entities, giving USAA members the option to choose between traditional car insurance policies through USAA or UBI policies through the Noblr.

Currently, Noblr only sells insurance in eight states but plans to expand to other parts of the country over the next three years.

Does Noblr offer other insurance products?

Noblr does not offer any other insurance products besides usage-based car insurance policies.

However, Noblr partners with other companies to provide various insurance offerings to members.

Specifically, Hippo Insurance sells condo and homeowner insurance policies to Nolbr customers. Toggle, a Farmers insurance company brand, sells renters insurance to members with rates starting at $5 per month.

Finally, RLI, an American company, sells property and casualty insurance to Noblr customers.

Availability varies depending on what state you live in.

Noblr Car Insurance: The Bottom Line

Noblr car insurance is ideal for USAA members interested in trying out a usage-based insurance policy.

Specifically, this company is suitable for low-mileage drivers with clean driving records and people who do not often drive during rush-hour traffic or at unusual times of the day.

You can earn $25 referral bonuses if you purchase a policy and recommend the company to friends.

However, some of the customer reviews for Noblr are more negative than what USAA typically receives. Similarly, people with poor driving records or new drivers may not earn the lowest possible rates from this company.

While you may need to be a USAA member to buy Noblr car insurance, you can enter your ZIP code into our quote comparison tool below to compare rates from the best companies in your region for free.

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