Noblr Auto Insurance Review (2022)

Owned by USAA, Noblr offers usage-based insurance policies to USAA members in eight states and plans to expand to the rest of the country over the next three years. Using telematics technology, your Noblr auto insurance rates change in real-time based on your driving performance. Affordable Noblr auto insurance bases rates on your mileage, road choices, time of day, focused driving, and how smooth you brake and accelerate your vehicle.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jun 17, 2022

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A Concise Overview

  • Noblr  sells usage-based insurance policies to USAA members
  • Your Noblr auto insurance rates change based on your driving performance
  • Only USAA members qualify for affordable Noblr auto insurance policies

USAA acquired Noblr auto insurance after experiencing a massive increase in the participation of its usage-based insurance (UBI) program, SafePilot, in 2020.

Available only to USAA members, Noblr sells UBI policies with rates based in part on your actual driving habits.

Below, discover what data Noblr uses to evaluate your rates, learn how to file a claim, and take a look at some financial rankings and customer reviews to help you determine if Noblr is the right fit for you.

After learning about affordable Noblr auto insurance, remember to enter your ZIP code into our free comparison tool above to receive rates from the best companies near you.

What is Noblr Auto Insurance?

Owned by USAA, Noblr sells UBI policies to USAA members. Only military personnel, their spouses, and their children are eligible to enroll as USAA members.

While you do not need to purchase a USAA auto insurance policy to buy a Noblr policy, you must be a USAA member.

Currently, Noblr is only available in eight states: Arizona, Colorado, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, and Texas.

However, the company plans to expand its offerings to other states in the near future.

Usage-based insurance policies rely on telematics data to gather information about your driving behaviors through either a mobile app or plug-in device.

Noblr uses a mobile app compatible with most Android and Apple devices.

That data is then analyzed, and a discount is applied to your variable Noblr rate. Part of your rate varies because your discount changes based on your real-time driving habits.

However, you also pay a lower fixed rate each month that does not change until your policy is up for renewal.

Noblr guarantees that your rate will not exceed an agreed-upon maximum for the first six months of your policy, no matter how you perform while driving.

What driving habits does Noblr monitor?

What driving habits does Noblr track? Like most other UBI programs, you’re evaluated based on your mileage, how you brake and accelerate, your focus, road choices, and the time of day you drive.

Learn more details about how Noblr scores your driving in the table below.

Driving Behaviors Evaluated by Noblr Auto Insurance Company
Driving BehaviorDetails
FocusTo earn the highest score, don't use your phone or touch the screen while driving.
MileageDrive fewer miles to earn a higher score.
Road choicesDrive on highways more often than city roads, as highway driving is statistically safer.
SmoothnessHard braking events and speeding negatively impact your score.
Time of dayBecause nighttime driving is statistically more dangerous, driving between the hours of 11 p.m. and 4 a.m. negatively impacts your score.
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However, if you live in Maryland or Pennsylvania, know that road choices do not count as a contributing factor to your driver score.

How much does Noblr auto insurance cost? Currently, Noblr auto insurance quotes are not publicly available.

The average annual auto insurance rates from USAAm which owns Noblr, are $161 per month or $1,932 annually for folks with clean driving records.

Since Noblr is a USAA company, the rates will likely be similar. Also, your fixed Noblr rate includes the USAA membership fee.

Unfortunately, Noblr does not advertise precisely how much you can save each month by using the app and practicing safe driving techniques.

However, maintaining a score of 100 earns you your highest potential savings.

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How do you get a Noblr auto insurance quote?

To buy Noblr auto insurance, request a quote through the company website. Remember, you must already be a USAA member to qualify.

Next, download the Noblr Insurance app, follow the prompts to log in, and create a username and password.

Enable your location and motion settings on your device so your rate is accurate and personalized. Set the app to active. If you use iOS, ‘Motion & Fitness’ should also be enabled.

Then, start driving. The app automatically logs all of your driving trips. You can see your score in real-time right in the Noblr app.

Your policy features a fixed rate that does not change each month, plus a variable rate that does adjust based on your driver score in the app.

However, for the first six months of your policy, your rates are guaranteed to not go above an agreed-upon rate that you receive from your Noblr agent.

You can also add other drivers to your policy, but they must also use the app and create their own unique login.

What auto insurance coverages does Noblr offer?

Noblr sells most of the traditional auto insurance coverages. So, in the states where it’s available, you can purchase at least the minimum legal levels of coverage through Noblr.

You can purchase bodily injury and property damage liability auto insurance, which pays for damage to the other party if you’re responsible for causing an accident.

There’s also collision insurance, which covers damage to your car resulting from an accident regardless of fault. A deductible applies.

Comprehensive insurance is also available, protecting your car from non-accident-related damage while parked, including acts of nature, flooding, fires, vandalism, and auto theft. A deductible also applies.

Noblr also sells medical payments (MedPay) coverage, which pays for you and your passengers’ medical bills resulting from an accident, regardless of fault.

Personal injury protection (PIP) coverage is also available. It offers slightly more range than MedPay, like recovering lost wages and some additional services.

Uninsured motorist protection is available as well, as both bodily injury protection and property damage coverage.

Finally, you can also add rental car coverage or roadside assistance to your Noblr policy.

How do you file a Noblr auto insurance claim?

Unfortunately, filing a claim through Noblr appears to be a slightly tricky process, according to some consumer reviews.

A claims center is available directly in the Noblr app under the ‘Assistance’ tab.

You can file regular or glass claims in the exact location where you view your ID cards or call roadside assistance.

However, unlike many other insurance company websites, the Noblr site does not feature a claims center.

Instead, only a phone number is available that you can call to file a claim.

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How does Noblr use your data?

Noblr collects and uses your information to provide you with insurance services. According to the website, it will not share your information without your permission.

However, by using the app, website, or other services, you essentially agree to the Noblr privacy policy.

Noblr may collect and share information about your IP address, browser type, operating system used, links to external sites or services you open, and the internet service provider or mobile carrier you use.

Gathering and sharing data in this way is not uncommon for UBI programs in general.

So if you’re uncomfortable with data collection, a usage-based insurance company like Noblr is likely not the right fit for you.

But you can submit a written request to access the personal information Noblr collected from you. You’ll typically receive a copy of the information within 30 business days.

You can also request to have your information amended, corrected, or deleted. If Noblr denies the request, it provides you with a written reason as to why.

Even if Noblr approves the request, the company may still keep a copy of your information for administrative purposes.

What discounts does Noblr Auto Insurance Company offer?

Noblr does not advertise any discounts on the company website.

However, you can earn something called Noblr Rewards, which acts as a discount to your variable rate, but not your fixed rate.

You earn Noblr Rewards by buying a policy as a new customer, paying for the fixed part of your premium in full, and then renewing your policy after six months.

You also save money on your variable rates by practicing safe driving and earning a high driver score in the Noblr app.

Unfortunately, the company does not state how much you can potentially save this way.

What are the Noblr Auto Insurance Company ratings and reviews?

It’s important to evaluate an insurance company’s customer reviews and financial rankings when shopping around for auto coverage.

Fortunately, USAA backs Noblr, and USAA is a reliable and established company in the insurance industry. While Noblr itself has no score, USAA received an A++ A.M. Best rating.

You can trust that Noblr is in a solid financial position and can pay for claims.

Unfortunately, customer reviews for Noblr are not as optimistic. While the company is Better Business Bureau accredited and received an A- rating, other online reviews are overwhelmingly negative.

Some customers claim that while the rates are cheap, the service is also lacking. Others mention getting their policies canceled after submitting a claim.

It’s important to note that online reviews for insurance companies are typically negative.

Fortunately, its parent company, USAA, received a 1.90 complaint index score, according to the National Association of Insurance Commissioners (NAIC).

This number implies USAA gets more complaints than other companies, but the number is not substantially higher than average.

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What is the history of Noblr?

Noblr is a very new insurtech company founded in 2017 by Gary Tolman and Jason Foucher. No stranger to the insurance industry, Tolman was the president of Esurance from 2000 until 2015.

Noblr and USAA combined forces in 2021 after USAA experienced massive participation growth in USAA SafePilot, its UBI program.

About half of all new USAA customers in 2020 enrolled in SafePilot. SafePilot grew by 200%, according to some sources.

However, the plan is to keep SafePilot and Noblr as two separate entities.

The company now refers to SafePilot as a behavior-based insurance program associated strictly with USAA auto policies.

Currently, Noblr is only available in eight states. However, over the next three years, USAA hopes to expand Noblr throughout the rest of the country.

Does Noblr offer other insurance plans?

Noblr partners with other subsidiaries to provide additional insurance lines to USAA members.

The company partnered with Hippo Insurance, which launched in 2015, to provide home and condo insurance to customers.

You can also purchase renters insurance through Toggle, a Farmers brand company with coverage starting as low as $5 per month.

Finally, personal umbrella insurance is also available through RLI, an American company offering property and casualty insurance.

However, it appears the company does not offer any insurance bundle deals at this time.

Noblr Auto Insurance: The Bottom Line

Noblr is a very new insurance company that only just became part of the USAA family. So at this time, not much is known about the company as a whole.

If privacy issues concern you, you may want to avoid UBI programs like the policies Noblr sells altogether. 

But if you’re a USAA member, it may be worth looking into Noblr insurance policies, primarily if you’ve used USAA for a while and have not shopped around for new coverage.

If you purchase a policy, you can earn $25 referral bonuses for each friend you refer who gets a quote.

Plus, Noblr will expand its services over the next three years, so as time goes by, more should be known about the claims department, available discounts, rates, and more.

Until then, be sure you shop around and compare quotes online from multiple companies to help you secure your cheapest possible auto insurance rates.

Hopefully, you’ve learned all you need to know about Noblr auto insurance. Find the best coverage for you by entering your ZIP code into our free quote comparison tool below.

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