What You Should Know About Noblr Auto Insurance in 2023

USAA acquired Noblr in 2021 after experiencing a massive increase in the participation of its SafePilot usage-based insurance (UBI) program the year prior. Today, all Noblr auto insurance policies are usage-based.

Technically, only military personnel and their immediate families are eligible to use USAA branded products and services. So civilians must look elsewhere for coverage.

But if you’re affiliated with the military and are not a USAA member, you can sign up while requesting a Noblr quote. Fortunately, you do not need to be a USAA auto insurance customer to use Noblr.

Currently, Noblr operates in eight states but plans to expand to the rest of the country over the next three years.

However, recent customer reviews suggest that Noblr drivers are not as satisfied with the company as their USAA auto insurance counterparts, despite offering cheap automobile insurance.

Keep reading this Noblr auto insurance review to see what behaviors the app tracks, learn about the claims process, and compare financial rankings and customer reviews to determine if Noblr is the right choice for you.

After reading about affordable Noblr auto insurance, secure the best coverage for you by entering your ZIP code into our free quote comparison tool above to receive rates from the top companies in your region.

What is Noblr auto insurance?

The USAA auto insurance company acquired Noblr in 2021 after experiencing a significant increase in participation in the SafePilot program.

Some sources claim that SafePilot participation rates increased by 200% in 2020, with nearly half of all new customers opting into the behavior-based discount program.

As a result, Noblr operates independently from USAA SafePilot and provides USAA members with specific UBI auto policies.

However, the company currently only sells auto insurance policies in eight states but hopes to expand to the rest of the country over the next three years.

But for now, you can only buy Noblr auto insurance if you live in Arizona, Colorado, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, or Texas.

Noblr auto insurance rates are unique in that you pay a lower fixed rate each month, plus a variable rate that changes depending on your Noblr driver score.

As a usage-based auto insurance company, Noblr uses a mobile app compatible with most Android and Apple devices that collects data about your driving habits.

In the table below, see more details about what driving behaviors the app tracks and how it impacts your driver score.

Auto insurance laws vary by state, so where you live impacts what data is collected and used to calculate your score. For example, if you live in Maryland or Pennsylvania, road choices do not impact your rates.

For all new customers, Noblr guarantees your rate will not exceed an agreed-upon amount for six months, regardless of how you drive.

What types of auto insurance does Noblr provide? It sells traditional coverage, like liability, collision, and comprehensive insurance.

But you can also purchase uninsured motorist coverage, medical payments (MedPay) coverage, and personal injury protection (PIP) insurance from Noblr.

For an additional fee, the company also offers roadside assistance and rental car coverage.

How do you request Noblr auto insurance quotes? You can either go to the website or call a company representative directly.

If you’re not already a USAA member, you can sign up while purchasing a Noblr auto insurance policy. The fee will be applied to your initial quote.

Next, download the Noblr mobile app and follow the prompts to create a unique login. Then, start driving. The app collects information about each trip you take in real-time.

You can see your driver score, manage your policy, and pay your bill directly in the app. Plus, if you want to add other drivers to your policy, they must download the app and create their own unique logins.

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What are the average Noblr auto insurance rates?

Because the Noblr auto insurance company is so new, we do not have access to Noblr auto insurance rates.

However, auto insurance from USAA typically costs around $161 per month or $1,932 annually on average.

Since USAA created Noblr to provide cheaper UBI rates to members, it’s possible the rates could look similar. But remember, USAA auto insurance rates are typically fixed.

Noblr insurance costs include a variable monthly rate that changes based on your driver score.

Unfortunately, Noblr does not advertise how much a customer may save by using the UBI program. However, earning a score of 100 leads to the cheapest possible rates.

How do you use the Noblr auto insurance app?

If you buy Noblr auto insurance, you must use the mobile app to track your driving patterns whenever you’re in the driver’s seat.

The app relies on technology already in your mobile device to track your driver data. So no dongles or weekly trials are required to participate.

After downloading the app, enable your location and motion settings within your device for an accurate rate. It must be set to always active. For iOS users, you must also turn on ‘Motion & Fitness’. Then, you’re ready to drive.

The app uses your phone’s accelerometer and gyroscope to track your acceleration and any hard-braking events to determine how smooth you drive.

The gyroscope technology also informs the app if you use your phone at any time while driving a vehicle. This impacts your focused driving. Noblr recommends not picking up your phone while driving to earn the best score.

The GPS in your phone informs the app about what road choices you make, including city roads, local streets, and highway driving.

Finally, the clock in your smartphone informs the app about the time of day your drive most often.

Each month, you can see your unique driver score directly in the app, rates on a scale of one to 100. To earn lower rates, you must consistently achieve a high driver score.

How do you file a claim with Noblr auto insurance?

To file a Nolbr auto insurance claim, locate the claims center in the mobile app or call the company directly.

Unlike many other major companies, Noblr does not offer a claims center for customers on the company website.

However, for your convenience, you can file glass or regular claims in the same section of the app where you locate your identification cards or call roadside assistance.

Noblr is very new to the insurance industry, so looking at customer reviews of the claims center may help you determine if the company is responsive and easy to work with.

Unfortunately, some online customer reviews speak negatively about the Noblr claims department. While online reviews should be taken with a grain of salt, keep this in mind while shopping around for coverage.

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What auto insurance discounts does Noblr have?

Noblr does not offer specific auto insurance discounts to customers at this time. Instead, you earn something called Noblr Rewards that discount the variable part of your policy.

However, Noblr does not provide any details about how much you save by earning the Noblr Rewards.

According to the Noblr website, there are three ways to earn Noblr Rewards besides practicing safe driving habits each month:

• Purchase a policy as a new customer.
• Pay for the fixed part of your premium in full.
• Renew your policy at the end of the term.

Finally, you can also earn $25 referral bonuses if any of your friends or family seek out a Noblr quote.

How are Noblr’s financial rankings and customer reviews?

It’s essential to evaluate an insurance company’s financial rankings and customer reviews to help you determine if the company is efficient and reliable.

Because Noblr is so new, it has not been rated by the top financial agencies. However, since USAA backs Noblr insurance, we’ll analyze the financial strength of the parent company.

USAA earned an A++ (Superior) score from A.M. Best, implying that this company is currently not financially vulnerable and can close out claims and complete vehicle repairs without defaulting on its obligations.

Unfortunately, Noblr received many negative online customer reviews. Some people say that despite the cheaper rates, the Noblr customer service is lacking. Other drivers say their policy was canceled after submitting a claim.

In fact, according to the National Association of Insurance Commissioners (NAIC), Noblr Reciprocal Exchange as a whole earned an incredibly high complaint index score of 21.12 in 2020.

The median complaint ratio is always 1.00, so anything higher means the company received more complaints than the median.

If we look at the Noblr complaint index for only private passenger insurance types, the company still earned a poor score of 9.93. For comparison, its parent company, USAA, earned an NAIC complaint index score of only 1.90.

While it is typical for insurance companies to receive primarily negative auto insurance reviews online, Noblr’s incredibly high complaint index ratios are a cause for concern.

But despite the poor customer experiences, the company is accredited by the Better Business Bureau and earned an A- score as of December 2021.

Remember, securing cheap auto insurance rates is only one part of finding the right company for you. So also keep the Noblr ratings and reviews in mind while you shop around for your best coverage.

What is the history of the Noblr auto insurance company?

Noblr as a company does not have a very long history. Gary Tolman and Jason Foucher created it in 2017 as an Insurtech company.

Tolman is no stranger to the insurance world. He acted as the president of Esurance from 2000 to 2015.

In June of 2021, USAA announced plans to acquire Noblr, Inc. to provide USAA members, who are highly mobile and often deployed, with usage-based insurance policies.

USAA was founded in 1922 by a group of 25 military officers. The company quickly expanded and now serves over 12 million members across the country, focusing solely on military families.

Partnering with Noblr provided USAA with a quick, reliable way to offer UBI policies to USAA members since Noblr already had access to telematics technology.

Plus, there appears to be lots of interest in behavior-based insurance among USAA members.

In 2020, the USAA SafePilot program, which tracks driving habits and rewards drivers with a policy discount, increased participation by 200%.

Nearly half of all new policyholders opted into the optional program in states where SafePilot is available.

Today, USAA members in eight different states have the choice to purchase more traditional auto insurance coverage from USAA or specialized UBI policies from Noblr.

But over the next three years, Noblr hopes to expand and sell UBI policies to USAA members across the entire country.

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How does Noblr use your personal information?

All UBI policies track and collect data and other information about you as a driver. Some people may wonder how Noblr uses this personal information beyond calculating your monthly variable rate.

According to the company website, Noblr won’t share your information without your permission.

However, you give some permissions by agreeing to the privacy policy, downloading the app, and just using the website in general.

The privacy policy also states that your data may be used for analytic or marketing purposes and for developing new services.

Plus, for your safety and security, Noblr stores all of your data in an encrypted environment.

If you’re curious or concerned, you may submit a written request to Noblr to access all personal information collected about you. You may also request to amend, correct, or delete the recorded data.

But even if your request is approved, Noblr may retain a copy of the information for administrative purposes. Contact a Noblr representative for more details.

Ultimately, Noblr stores and uses your data in similar ways to other UBI programs. But if privacy concerns you, UBI policies, in general, may not be the right choice for you.

What other insurance products does Noblr sell?

Technically, Noblr does not sell any other insurance besides usage-based auto insurance.

However, the company partners with other groups to provide USAA members with access to other insurance products.

Specifically, Hippo Insurance sells condo and homeowner policies to USAA members. The company also works with Toggle, a Farmers brand company, for renters insurance with rates starting at $5 per month.

Finally, personal umbrella policies are available from RLI, an American company that sells property and casualty insurance.

Noblr Auto Insurance: The Bottom Line

USAA members interested in trying a usage-based insurance program should consider adding Noblr to their list of insurance companies to compare. However, be aware of the poor customer reviews that exist online.

While USAA auto insurance customers tend to rate their experience quite highly, Noblr users at this time do not appear to be as satisfied.

UBI policies are ideal for safe, low-mileage drivers who do not usually drive during rush-hour traffic or unusual hours.

In addition, some USAA members may save money by switching from a traditional USAA policy to Noblr insurance.

However, if you’re a civilian, you have to look elsewhere for coverage. Similarly, high-risk drivers or people with rocky driving records might not earn the lowest rates from a UBI company like Noblr.

Plus, some people may simply feel uncomfortable using UBI programs that gather and collect personal data.

Ultimately, to find the cheapest auto insurance for you, compare quotes online from multiple companies. But remember to also consider the financial rankings and customer reviews before committing to an auto policy.

Now that you’re a Noblr auto insurance expert, secure the best coverage for you by entering your ZIP code into our free rate comparison tool below.

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