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Noblr insurance review 2024

Updated May 20, 2024
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At a glance

Bankrate's take

Policyholders with military affiliation who don’t mind sharing data via their smartphone and want to take advantage of premiums based on their personal driving habits might find Noblr as their 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


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. Although it has limited coverage, Noblr is planning to expand to GA, IN, MO, NV, TN and WI in the near future.

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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.

Like other telematics car insurance programs, drivers with Noblr pay insurance rates based on their own driving habits. 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 (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:

Green circle with a checkmark inside


  • 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
Red circle with an X inside


  • 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
Caret Down

Noblr car insurance cost

Noblr’s average premiums are unavailable, but the 2024 national average cost of car insurance as of January 2024 is $2,542 per year for full coverage and $740 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 2022 or 2023 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.

Noblr customer complaints

Although other third-party ratings are unavailable, the National Association of Insurance Commissioners (NAIC) Complaint Index Report offers more data to get a better feel for the Noblr policyholder experience.

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 4.11 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 six total complaints and the year prior the company only had one. Because Noblr is a small company and only collected a little over $6 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. It’s worth noting that its 2022 complaint index was its lowest yet, which may indicate efforts toward improving its 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 since its rates are already so personalized based on your driving habits. Also known as Noblr Rewards, drivers can save on their car insurance for 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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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.

Learn more: USAA Insurance review

Noblr vs. Clearcover

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.

Learn more: Clearcover Insurance review

Noblr vs. Root

Rates from Root car insurance are based entirely on driving behaviors and habits. Because of this approach, Root has an initial trial period, only 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.

Learn more: Root Insurance review

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Why you can trust Bankrate

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.


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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.


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.”
Reddit user 2
Feb 28, 2023
Try Noblr. It's all telematics-based. Has been...
“Try Noblr. It's all telematics-based. Has been the cheapest I can find.”
Reddit user 3
Sep 8, 2023
Just checked out Noblr for a quote and they...
“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.)”

Noblr company details

For those interested in learning more about Noblr or in need of assistance, here are some key contact details:

  • Customer service: 1-877-236-6257
  • Sales: 1-877-236-6257
  • Claims: 1-415-301-6487
  • Glass claims: 1-415-936-8499
  • Roadside assistance: 1-415-915-0027
  • Website:
  • 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: AZ, CO, GA, IL, IN, LA, MD, MO, NV, NM, OH, PA, TX, VA, and WI.

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

Written by
Ashlyn Brooks

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.

Edited by Editor, Insurance