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Noblr car insurance review

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Save with a premium that adjusts monthly based on how you drive.

  • Get a quote if you drive during the day or don’t drive often.
  • Pick something else if you don’t want an app reporting your driving habits.
  • Slow and steady drivers with short commutes can save.

Included free

Roadside assistance

New car protection

Accident forgiveness

Details

States served All 50 states
Roadside assistance Included free
Pay schedule custom
Claims methods phone
New car protection No
Accident forgiveness Yes

Pros

  • Safe drivers save
  • All-in-one mobile app makes claims easy
  • Company membership creates a customer-focus

Cons

  • Only available in three states
  • No in-person agents or branch offices
Anti-theft device discount No
Bundling discount No
Defensive driving discount Yes
Good student discount No
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount No
Special employment discount No
Usage-based discount No
Other discounts
Rideshare coverage No
SR-22 coverage No
Temporary & short term coverage No

Expert review

Heather Petty

Review by


Heather Petty is a writer at Finder specializing in banking, investments and insurance. She's a self-proclaimed word nerd who worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. Heather earned a bachelor’s degree in English from the University of Nevada, Reno.

Expert review

If you’re a careful driver with a short, daytime commute, you can save a lot on your monthly premiums using the Noblr app’s scoring system. That combined with Noblr’s member-focused policies make this a great buy for anyone living in the states where its policies are offered.

But if you live outside Colorado, Texas or Ohio and would rather have access to an in-person agent, take a few minutes to compare your options and find an insurance company that works best for you.

What insurance coverage does Noblr offer?

Choose standard coverage options, including:

  • Bodily Injury. If you’re at fault for an accident, this covers medical costs for the injuries of others involved and legal fees if you’re sued.
  • Property Damage. Covers property damages caused in an accident where you’re at fault, and legal fees if you’re sued.
  • Uninsured motorist bodily injury. Covers medical bills if you’re hit by an uninsured or underinsured driver who’s at fault for the accident.
  • Medical payments. Covers medical expenses no matter who is at fault, and use it to pay your health insurance deductible or coinsurance payment.
  • Personal injury protection. Similar to medical payments coverage, it covers lost wages and other expenses related to an accident, up to and including a death benefit.
  • Comprehensive. Covers damage to your car that happens when you’re not driving it, such as theft or vandalism, fire and falling objects — like hail or a tree limb. This doesn’t cover normal wear and tear or breakdown repairs.
  • Collision. Covers damage caused by a collision or other driving accident.
  • Uninsured motorist property damage. Covers damage to your car caused by a driver who is uninsured or underinsured.
  • Rental Car Coverage. Provides a stipend to help cover rental car expenses if you are without your car because of an accident, theft or vandalism.
  • Roadside Assistance. Provides services when you experience a breakdown on the side of the road, such as towing, tire change or a battery jump.

How does Noblr decide my rate?

Rather than traditional add-ons, the Noblr app tracks and rates the following criteria to adjust your monthly premium:

  • Smoothness. How hard you brake and how fast you accelerate can affect your score.
  • Focus. Handling your phone while driving lowers your score. Hands-free mounts and functions won’t.
  • Roads. Using the highway more than city streets and backroads raises your score.
  • Time of day. Driving at night lowers your score.
  • Mileage. The less you drive, the higher your score.

What discounts can I get with Noblr?

Noblr offers discounts with its Noblr Rewards. Ways to earn them include:

  • Online quote. Buy your policy the same day you get a quote.
  • Paid in full. Pay the fixed part of your premium in full as one lump sum.
  • Loyalty. Renew your policy at the end of six months.
  • Multiple vehicle. Add more than one car to your policy for a discount.
  • Safe driver. Pay less on your premium for having a clean driver’s record.
  • Homeowner. Get an additional discount for owning rather than renting your home.
  • Referral bonus. Earn up to $1,000 in Amazon gift cards by referring other drivers.

Pros and cons of Noblr insurance

Pros

  • Rates based on your driving. Your monthly premium is variable based on how the Noblr app assesses your driving.
  • Save up to 51%. Some reviews claim that Noblr customers could save up to 51% on their premiums compared to traditional insurance.
  • Member benefits. Using a different financial strategy, Noblr operates on member contributions and premiums rather than stockholders, making it more member-focused.
  • All-in-one mobile app. Turn your smartphone into an insurance office, with a claims system, digital insurance cards and access to roadside assistance and customer support.

Cons

  • Limited states. Noblr only offers insurance policies in Ohio, Texas and Colorado.
  • Digital-only agency. With no branch offices in the areas it services, everything is handled through the Noblr mobile app or over the phone.
  • No Lyft or Uber coverage. Noblr doesn’t cover rideshare or delivery driving.

Alternatives to Noblr

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for drivers at least 50 years old.
Clearcover
Optional
No
AZ, CA, IL, TX, UT
Find basic coverage and low rates through its easy online or app-based experience.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Motion Auto
Optional
No
AZ
Get instant coverage and track your driving over time to lower your rates.

Compare up to 4 providers

How to apply for Noblr insurance

Get a quote and buy the policy through their website or by phone.

Apply online

  1. From its main page, click Get a quote.
  2. Enter your first and last name, date of birth and street address. Click Continue to accept Noblr’s terms.
  3. Confirm your driver information and click Continue to add any additional drivers to your policy.
  4. Click Continue to confirm which cars you want to add to the policy and enter any missing information.
  5. Select if your cars are used for rideshare or delivery services, such as Lyft or Uber.
  6. Select from the coverage packages available in your area, and click Continue to select the deductibles and rental coverage you want.
  7. Enter what kind of commute you have, and select one of the descriptions that most closely describe what kind of driver you are. Click Continue.
  8. Noblr displays your quote along with descriptions of the coverage details. To purchase the policy click Buy policy.
  9. Choose whether you want to pay for the fixed amount of the policy up front or be billed monthly. Click Continue to digitally sign the policy and determine how you will pay.

Apply by phone

If you’d rather apply by phone, contact Noblr at 877-236-6257.

Frequently asked questions about Noblr

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