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Noblr Insurance review

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Noblr, a USAA subsidiary, is one of the most unique insurance providers on the market. Its standout product is auto insurance, which uses a mobile app to track your driving patterns and bases your rate on your habits and miles traveled. As a result, Noblr may be a good option for infrequent drivers or those who frequently practice safe driving habits.

In addition to auto insurance, the company sells home, condo, renters and umbrella insurance. However, these policies are underwritten by other insurance providers.

  • Date established: 2017
  • Insurance products offered: Auto, home, condo, renters and umbrella
  • NAIC complaint index: 12
  • Availability: 8 states
Pros Cons
Online quote option Not available nationwide
Refer-a-friend program Property policies are underwritten by third-parties
Auto rates are based on driving habits and mileage Limited coverage options
Texas drivers must be a USAA member to get Noblr insurance

Noblr car insurance

Noblr car insurance rates are based on your driving behaviors and mileage. You will need to download the Noblr app and enable location and motion settings so that it can accurately track your habits. The app tracks things like distance, smooth acceleration and braking, time of day and distracted driving. Rates will ultimately be determined by your daily driving habits, so the better you drive, the less you can expect your insurance to cost.

Types of coverage

Although Noblr takes a different approach to car insurance, you can still purchase all the standard auto insurance coverage types. The company sells liability, collision, comprehensive, medical payments, uninsured/underinsured motorist coverage and personal injury protection. Available endorsements include the following:

  • Rental car coverage: If your car is damaged in a covered claim, rental car coverage will reimburse you for a replacement vehicle to drive while yours is being repaired.
  • Roadside assistance: Roadside assistance covers basic emergency vehicle services following covered incidents, like fuel delivery, flat tire changes and battery replacements.


Noblr does not advertise any specific discounts on its website, as the rates are largely based on your ongoing driving habits rather than other circumstances. However, you can take advantage of Noblr Rewards to get a lower car insurance rate. If you purchase a policy, pay the fixed part of your premium in full and renew your policy after six months, you could qualify for additional savings.

Noblr home insurance

Noblr offers home insurance, but the policies are underwritten by Hippo Insurance. Hippo is a newer property insurance company that operates entirely online, similar to Noblr. Hippo policies through Noblr offer many unique coverage options and you can get a quote and purchase a policy online in minutes.

Types of coverage

When you purchase Noblr home insurance, you get access to Hippo’s coverage. You can get standard coverage, including dwelling, other structures, personal property, liability, medical payments and loss of use coverage. The company also offers a variety of endorsements. Here are some of the optional add-ons available through Hippo:

  • House cleaner and sitters coverage: This policy extends coverage to essential people who do not live in your home, but spend time there, like house cleaners, babysitters and landscapers.
  • Enhanced rebuilding coverage: With enhanced rebuilding coverage, you get an extra 25% in dwelling coverage to rebuild your home if the cost of labor or material goes up after a major event.
  • Computers and home office coverage: Computers and home office coverage raises your coverage limits for electronics. According to Hippo, it provides four times more coverage than standard home insurance policies.


Hippo offers a few home insurance discounts, including some standard ones like being claims-free and having anti-theft devices installed. There are also more unique discounts available, including the following:

  • Smart home: If you have smart home devices active in your home, you could receive a discount on your home insurance policy. All policyholders with Hippo insurance are offered basic smart home devices for no additional cost.
  • Affinity discount: Those who purchase home insurance with Hippo through a business, college or other groups may qualify for an affinity discount.

Noblr ratings, reviews, customer satisfaction and complaints

Noblr is still a very small insurance company and newer to the market. Not surprisingly, there are no Noblr insurance reviews from major third-party research organizations, including J.D. Power, AM Best or Standard and Poor’s (S&P).

In terms of Noblr mobile app ratings, customer feedback seems to be mostly favorable. The app has just under a 4 out of 5-star rating on both the App Store and the Google Play Store. App users indicate that the app functions well overall and many reviews show that customers are generally happy with their rate.

However, one important thing to note is that Noblr has an extremely high number of consumer complaints. The company’s National Association of Insurance Commissioners’ (NAIC) Complaint Index score for all products is 21.12, which is much higher than the national baseline of 1.0. While this does not necessarily mean your experience will be negative, it may be worth considering if you are comparing quotes from multiple insurance companies.

Reasons Noblr insurance is a good option

Noblr may be a great option for safe, infrequent drivers who want to pay less for car insurance. However, you must be located in one of the eight states where Noblr currently operates: Arizona, Colorado, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania and Texas. Additional eligibility restrictions may apply. The company is quickly expanding, so coverage may eventually be available in more locations.

One of the downsides to Noblr is that the company does not offer any traditional car insurance discounts. With that being said, you may be able to pay a lower rate than traditional insurers offer if you are driving infrequently and drive safely. If you have a long commute or are not confident in your driving skills, getting a policy from Noblr might not be the right fit.

Even though Noblr is affiliated with USAA, you do not need to be a USAA member to get Noblr insurance, unless you live in Texas. Also, keep in mind that condo, renters and umbrella insurance policies are underwritten by third-parties, so it may be worth considering purchasing insurance directly from the partner.

Additional policies offered by Noblr

In addition to home insurance (through Hippo) and auto insurance, Noblr also offers renters, condo and umbrella insurance through partner companies.

Frequently asked questions

How does Noblr insurance work?

Noblr insurance works by tracking your miles driven and your driving habits. To get coverage, download the mobile app and leave the app running every time you drive. Your premium is calculated based on your distance and driving behaviors.

How much is Noblr insurance?

The cost of Noblr insurance depends on your mileage and driving habits, which is largely in your control. Unlike other car insurance carriers, your premium is not just based on personal factors like your driving record, age, insurance-based credit score and ZIP code. You can get a personalized quote online.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, and NextAdvisor, among others
Edited by
Insurance Editor