Noblr Car Insurance Review for 2024

If you’re looking for affordable car insurance, consider Noblr. While coverage isn’t widely available, Noblr car insurance is partially based on telematics, so your driving habits can save you money.

Noblr isn’t for everyone, though, so shop around before you buy Noblr car insurance. Compare rates from multiple companies to find the best deal for you.

Keep reading our Noblr car insurance review to learn more about the company. Enter your ZIP code now to compare free car insurance quotes from companies in your area.

What is Noblr car insurance?

Founded in 2015, Noblr’s intent is to use telematics to offer drivers lower rates. While Noblr is an online company, coverage is only available in eight states.

USAA purchased Noblr in 2021. Since USAA only offers coverage to members of the military and their families, Noblr now requires military service for coverage as well.

Noblr is an online-only car insurance company, and drivers must do everything either in the app on the website.

What are Noblr car insurance rates?

Car insurance rates with Noblr are broken down into a fixed rate and a variable rate. This makes getting an accurate Noblr car insurance quote difficult.

First, there is a fixed monthly rate that is based on the usual factors that affect car insurance rates, such as your driving record.

To give you an idea of how your driving record can affect your rates, we’ll show you how some of the top companies weigh your record.

This table shows average car insurance rates based on driving records. You can see that bad driving can cost you thousands of dollars a year.

Average Annual Car Insurance Rates by Driving History

Noblr will refuse to offer coverage if you have a DUI or excessive accidents and tickets.

The second part of your Noblr car insurance rates are based on telematics and vary each month. The Noblr app monitors your driving behaviors and bases your rates accordingly.

Driving habits monitored by Noblr include:

• Time of day you drive
• Type of roads
• Mileage
• Hard braking and accelerating
• Distracted driving

How well you do determines your rates. For example, drivers with a short, daytime commute who don’t use their phones while driving will see much lower rates than other drivers.

Telematics can do more than just lower your car insurance rates. It can also make you a better driver.

According to the Insurance Information Institute, drivers who use telematics receive immediate feedback and adjust driving behaviors quickly.

What car insurance coverages does Noblr offer?

Most states require drivers to carry at least a minimum amount of car insurance, and Noblr meets those requirements.

Noblr coverages include liability, collision, comprehensive, medical payments, and personal injury protection. Add-ons include rental car coverage and roadside assistance.

Roadside assistance is automatically included in Noblr policies, and drivers can use it up to three times each six-month policy term.

Noblr only offers car insurance, so drivers who need other coverages will have to look elsewhere. However, there are partner companies like Hippo, which offers homeowners coverage.

What car insurance discounts are available with Noblr?

Car insurance discounts play a huge role in lowering rates. While most car insurance companies offer a multitude of discounts, Noblr only offers three.

Noblr’s car insurance discounts are a new customer discount, a paid-in-full discount, and a discount if you renew your policy. Drivers can also get a $25 gift card for referring other drivers.

Other insurance companies offer many more discounts than Noblr. This table shows you common car insurance discounts from top companies, including USAA.

Car Insurance Discounts

In many cases, discounts can lower your rates significantly. Even if one company offers lower initial rates, adding discounts can actually make another company cheaper.

Don’t forget to take into account discounts when you’re shopping for car insurance.

How do you cancel Noblr car insurance?

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

To cancel your coverage, call customer service at 1-877-236-6257 or send an email to [email protected]. You need to have your personal information as well as the policy number and the date you want to cancel.

It’s very important that you have new coverage in place before you cancel your Noblr policy. Driving without car insurance can lead to fines and having your license suspended.

Once your Noblr car insurance policy has ended, follow up to see if you are due a refund if you prepaid for your coverage.

How do you file a car insurance claim with Noblr?

Filing a claim with Noblr is also easy. It can be done in the Noblr app or by calling customer service at 1-877-236-6257.

You will need to have all of the accident information available, including a police report and pictures of the damage if you have them.

The bad news is that many of the complaints about Noblr center around the claims process and customer service.

You should also consider carefully before filing an accident claim. A claim can raise your car insurance rates, and it may be cheaper to just pay for damages yourself.

What are the Noblr car insurance ratings?

How well the Noblr car insurance company is rated based on finances, customer interaction, and usability is very important.

Companies are rated by A.M. Best based on their financial stability. Noblr is not rated because it has only been around for a short time. USAA, on the other hand, has an A+ rating, showing an excellent ability to meet financial responsibilities.

Companies are rated by the Better Business Bureau (BBB) depending on how successfully they engage with customers. Noblr has been accredited and earned an A- rating.

App ratings are critical for Noblr because it relies on its app to calculate rates and give drivers access to their accounts. Users gave the Noblr app a 3.7/5 rating in the Google Play Store and a 3.9/5 rating in the Apple App Store.

Claims Process at Noblr Car Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Filing a car insurance claim with Noblr is designed to be a straightforward process, offering multiple convenient options for policyholders. You can initiate a claim either through the Noblr mobile app or by calling their customer service at 1-877-236-6257.

This flexibility ensures that policyholders can choose the method that suits them best, whether they prefer the convenience of a mobile app or the personal touch of speaking with a representative over the phone. Noblr’s mobile app plays a central role in their claims process, allowing policyholders to document accidents, provide essential information, and submit claims with ease.

This digital approach to filing claims aligns with Noblr’s commitment to leveraging technology to simplify insurance procedures. The app’s user-friendly interface and functionality contribute to a seamless claims experience, making it a valuable resource for policyholders when they need it most.

Average Claim Processing Time

Noblr’s commitment to efficiency extends to their claims processing time. While specific processing times can vary depending on the complexity of the claim and the circumstances involved, Noblr strives to provide a swift and efficient claims experience. Policyholders can expect timely responses and resolutions to their claims, minimizing the inconvenience and stress often associated with car accidents and insurance claims.

The use of telematics and digital tools allows Noblr to gather relevant data quickly, which can expedite the claims assessment process. Additionally, their focus on customer-centric services ensures that policyholders receive the support they need throughout the claims journey, further enhancing the overall experience.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in evaluating an insurance company’s performance, especially when it comes to claim resolutions and payouts. While Noblr aims to provide a streamlined claims process, it’s essential to consider the experiences and feedback of their policyholders.

As with any insurance provider, individual experiences may vary, but assessing customer feedback can offer valuable insights into the company’s overall performance. Prospective policyholders should consider reviewing customer reviews and ratings to gauge how effectively Noblr handles claims, resolves issues, and fulfills its commitments regarding payouts.

This information can help individuals make informed decisions about choosing Noblr as their car insurance provider.

Noblr Car Insurance’s Digital and Technological Features

Mobile App Features and Functionality

Noblr’s mobile app is a central component of their insurance services, offering policyholders a range of features and functionalities designed to enhance their overall experience. The app allows users to monitor their driving habits and receive personalized feedback that can lead to potential rate reductions. It also enables policyholders to file claims, access policy information, and make payments, all from the convenience of their smartphones.

In addition to its core functionalities, the Noblr app may offer features such as trip tracking, real-time driving data, and safety tips. These digital tools empower policyholders to take control of their insurance experience, monitor their driving behaviors, and make informed decisions that can result in cost savings.

Online Account Management Capabilities

Managing your Noblr car insurance policy online is both convenient and efficient. Policyholders have access to a secure online portal where they can view and update their policy details, track their driving habits, and access important documents such as policy statements and billing information.

This online account management capability simplifies the administrative aspects of car insurance, allowing policyholders to make adjustments and stay informed with ease.

The online account management portal may also provide tools for policy customization, enabling users to tailor their coverage to their specific needs and preferences. This digital flexibility aligns with Noblr’s commitment to providing personalized insurance solutions.

Digital Tools and Resources

Noblr’s dedication to leveraging technology extends beyond their mobile app and online account management. They may offer additional digital tools and resources to support policyholders in their insurance journey. These tools could include educational materials, articles, and guides on topics related to car insurance, safe driving practices, and policy management.

By providing access to these digital resources, Noblr aims to empower policyholders with knowledge and information that can help them make informed decisions and maximize the benefits of their insurance coverage. These tools can serve as valuable references for policyholders seeking guidance on various aspects of car insurance.

As Noblr continues to evolve and enhance its digital and technological offerings, policyholders can expect a comprehensive suite of resources designed to simplify their insurance experience and promote safe and responsible driving.

Noblr Car Insurance: The Bottom Line

Drivers in eight states may find affordable Noblr car insurance, but they will have to be members of the military or family members to apply.

Noblr blends the traditional way rates are calculated with telematics to offer drivers lower rates. However, drivers with certain driving behaviors such as hard braking may find Noblr isn’t any cheaper.

Compare rates, discounts, and ratings from multiple companies before you buy car insurance. Every company has different offerings so shop around before you make a decision.

We hope you’ve learned all you need to know about Noblr auto insurance. Enter your ZIP code to compare quotes from car insurance companies in your area for free before you go.