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Noblr insurance review

Updated Nov 15, 2022
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Noblr might be a good solution for USAA members or drivers eligible for USAA who want car insurance rates based on their driving habits.


  • Auto rates are based on individual driving behaviors and mileage through the Noblr app
  • Online quoting available
  • No trial period to receive initial quote


  • Only USAA members and those who meet USAA’s membership requirements can purchase Noblr
  • State availability limited to 10 states
  • Fewer coverage options compared to other carriers and even USAA car insurance
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Noblr, a USAA partner 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.

As a result, Noblr may be a good option for infrequent drivers or those who frequently practice safe driving habits. However, unlike other national car insurance carriers, Noblr car insurance is available in 10 states: Arizona, Colorado, Illinois, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, Texas and Virginia. The company states it is expanding to Georgia, Indiana, Missouri, Nevada, Tennessee and Wisconsin soon, but timeframes are unavailable. Bankrate’s Noblr Insurance review can help you learn more about this company and if it’s the right fit for you.

Noblr car insurance

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.

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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, and even its partner 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 medical payments. Every Noblr car insurance policy also comes with roadside assistance, but it can only be used 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.

Noblr car insurance cost

Because Noblr car insurance depends on your car insurance rating factors and driving behaviors, it’s difficult to estimate the average cost of its policy. That being said, the national average cost of car insurance is $1,771 per year for full coverage and $545 per year for minimum coverage. These figures, along with your state’s average cost of car insurance, could be useful when comparing car insurance quotes to help determine if the premiums are competitive.

Noblr car insurance discounts

Noblr car insurance discount opportunities are limited. Also known as Noblr Rewards, drivers can earn discounts for purchasing a policy, paying the fixed portion of the premium in full and renewing the policy at the end of the policy term.

Other Noblr perks worth considering

While Noblr does not offer any other type of insurance, it has partnered with other insurance carriers to provide options for customers. Those who want home or condo coverage can access coverage through Hippo, while renters can look into Toggle.

Noblr corporate sustainability

Noblr’s Women in Leadership program aims to promote and reach gender equity at the company through recruitment, promotion and retaining of internal talent. Some initiatives of the program have included using artificial intelligence to screen job postings for subtle gender-biased language, creating a budget to be used for posting to job boards targeted to women and women in tech, and more.

Not sure if Noblr is right for you? Consider these alternatives

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:

  • USAA: As Noblr’s partner company, USAA is the other alternative for qualifying members to consider when it comes to car insurance. USAA even offers its SafePilot program to car insurance customers who want a telematics-based program to help them save.
  • Clearcover: Another tech-based option, Clearcover, could be an option for drivers who want a digital interface for their car insurance. 24/7 support is also available through the app.
  • Root: Rates from Root car insurance are based entirely on driving behaviors and habits. However, Root has an initial trial period, only after which the company will offer or decline coverage.

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