Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 17, 2021

Advertiser Disclosure

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Company Details
President: Gary Tolman
Address: 1 Union St Suite 210
City: San Francisco
State: CA
ZIP Code: 94111
Phone Number: (877) 236-6257
Toll Free: No Toll Free Number Known
Year Founded: 2015
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Drivers always look for ways to get cheap auto insurance. Telematics lets drivers save money based on how they drive, and Noblr auto insurance offers that option.

Noblr auto insurance uses a unique combination of fixed and variable monthly rates to save drivers money. Better driving behaviors mean lower rates.

Shop around before you buy Noblr auto insurance. Every company offers different rates and discounts. Compare multiple companies to find the best deal for you.

Keep reading our Noblr auto insurance review to learn more. Before you begin, enter your ZIP code to compare free auto insurance quotes from companies in your area.

What is Noblr auto insurance?

Noblr is pretty new to the insurance scene and offers usage-based car insurance online. While Noblr auto insurance quotes are offered online, drivers must use the app for most insurance needs.

The Noblr app uses telematics to monitor driving behaviors. Better driving equals lower rates.

However, Noblr is only available in Arizona, Colorado, Louisiana, Maryland, Ohio, Pennsylvania, New Mexico, and Texas.

How are Noblr auto insurance rates calculated?

Noblr calculates rates in two parts. First, you have a fixed monthly rate.

Your fixed rates are based on the usual factors that determine your auto insurance rates, such as your age and driving record.

You also have a variable monthly rate. This is where telematics comes in.

The Noblr app runs in the background on your smartphone and monitors certain driving behaviors.

Driving behaviors monitored by Noblr include:

  • Mileage
  • Time of day you drive
  • Hard braking and accelerating
  • Types of roads you drive on

All of these factors can lead to accidents, which Noblr hopes to avoid. Drivers with no accidents, tickets, or DUIs will have lower auto insurance rates.

This table gives you an idea of just how much your driving record affects your rates. Car insurance for a bad driving record will be much more expensive.

Average Annual Auto Insurance Rates Based on Driving Record
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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Telematics can do more than just lower your auto insurance rates. According to the Insurance Information Institute, immediate feedback from telematics leads to safer driving.

What Noblr auto insurance coverages are available?

Noblr offers standard auto insurance coverages, including liability, collision, and comprehensive.  Personal injury protection, medical payments, and uninsured and underinsured motorist coverages are also offered.

Roadside assistance is also included for free in your Noblr policy. Drivers can use the assistance three times in each six-month policy period.

Noblr doesn’t offer any other coverages like homeowners or renters insurance. If you want to bundle multiple policies, Noblr isn’t your best option.

What auto insurance discounts are available with Noblr?

Most auto insurance companies offer numerous discounts that can save drivers money. However, Noblr only offers three discounts.

Noblr auto insurance discounts are:

  • New customer discount when you first sign up for coverage
  • Paid-in-full discount for paying your entire six months of your fixed rate
  • Renewal discount if you renew when your policy ends

A $25 gift card is also available each time you refer another driver to Noblr.

Noblr drivers will miss out on a large number of car insurance discounts, especially since drivers can’t bundle additional policies.

This table shows you common auto insurance discounts from top companies that you might be missing out on.

Auto Insurance Discounts from Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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It’s important to take into account discounts when comparing auto insurance rates. Even if one company has lower initial rates, discounts can make another company much cheaper.

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How do you cancel Noblr auto insurance?

While you can cancel your Noblr auto insurance at any time, you might be charged a fee within the first six months.

The cancellation process is very easy. Just call customer service at 1-877-236-6257 or send an email to [email protected]

You will need to provide the name on the policy, your address, and the policy number.

No matter your reason for canceling Noblr auto insurance, there are certain steps you need to follow.

The steps for canceling Noblr auto insurance are:

  • Find out when your policy ends. Since Noblr policies are only six months long, it might be easier and cheaper to wait until the end of the policy to switch.
  • Shop for new coverage. Your rates are determined by your personal factors. Every company looks at those factors differently and offers different rates.
  • Sign up for new auto insurance. Make sure your start date is a day or two before your old policy ends.
  • Let Noblr know you are canceling or not renewing your policy. Follow the cancellation policy to make a smooth transition.
  • Follow up with Noblr to see if you are due a refund if you paid in advance.

The most important thing is not to let your car insurance lapse. A lapse in coverage can result in fines, a driver’s license suspension, and higher rates when you do get coverage again.

How do you file an auto insurance claim with Noblr?

It’s also easy to file a claim with Noblr. You can begin the process in the app or by calling customer service. However, note that most of Noblr’s bad reviews center around claims and customer service.

Filing an accident claim can raise your auto insurance rates. Pay out of pocket for damages if you can. This might cost you more upfront, but you will save money by keeping your rates low.

What are the Noblr auto insurance ratings?

Noblr has only been around since 2015, so it can be hard to find accurate ratings.

A.M. Best rates companies on financial stability but has not rated the Noblr auto insurance company yet. However, USAA does have an A+ rating. Drivers can be confident Noblr is backed by a very stable company.

The Better Business Bureau (BBB) rates companies based on how well they interact with customers. Noblr has an A- rating and is accredited.

Because Noblr depends on its app to calculate rates, it’s very important it works well. Unfortunately, the app only received a 3.8/5 on the Google Play Store and a 3.9/5 on the Apple App Store.

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Noblr Auto Insurance: The Bottom Line

While you can find affordable Noblr auto insurance, you will have to monitor your driving closely.

Noblr uses telematics to help calculate your rates, so the way you drive determines your rates.

However, Noblr doesn’t offer very many car insurance discounts and gets some bad customer service reviews.

Compare multiple companies before you buy auto insurance. Look at rates, ratings, and discounts to find the best fit for you.

Now that you know about Noblr car insurance enter your ZIP code to compare free auto insurance quotes from companies near you today.