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Noblr insurance review

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4.0 Rating from The Zebra Question mark icon

Headquartered in San Francisco, Noblr combines insurance and technology to deliver a new customer experience for the modern insurance shopper. While tech-driven insurance isn’t a completely new idea, Noblr bucks tradition in that it’s an app-based insurance company. Though other insurers have not shied away from making telematics and usage-based insurance available to their customers, most of their business still relies on the more traditional model of policyholders paying a fixed amount in premiums during the policy period.

Currently available in ArizonaColoradoOhio, and Texas — with plans to expand throughout the rest of the US — Noblr calculates part of your premium based on driving data acquired through its mobile app. Noblr is most similar to Root in that each insurer relies on an app to collect real-time data on users' driving behavior to price them accordingly. Unlike Root, however, Noblr doesn’t require a test drive, nor does it impose a short trial before customers can enroll.

In our Noblr auto insurance review, we’ll cover all the important stuff you need to know — like coverage options, discounts, and customer satisfaction ratings. Learn more below.

Customer satisfaction (J.D. Power) — Not rated

Claims satisfaction (J.D. Power) — Not rated

Financial strength — Not rated

NAIC Rating — Good: Noblr received fewer customer complaints than the national median, as recorded by the National Association of Insurance Commissioners (NAIC).

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How does Noblr work?

Before you can download the app and start driving, Noblr determines a fixed monthly rate first based on some of the usual factors auto insurers use to calculate your insurance rate — your agelocationgender, and vehicle. If you’re satisfied with this rate, you can use the app as a telematics device while you drive.

This monthly fixed rate makes up the bulk of your premium while the app determines your monthly variable rate — and the latter will likely vary month-to-month if your driving habits change. The variable rate determined by your app is added to your fixed rate to make up your total monthly premium amount.

The Noblr app

The Noblr app calculates a variable rate based on your driving habits, which is then summed with your monthly fixed rate. The variable rate formula is broken down by these five factors measured by the app:

  • Smoothness: Hard braking and rapid acceleration indicate you’re not as alert as you should be while on the road.
  • Focus: This detects how you’re using your phone while driving. Texting and other discouraged phone activities that distract you while driving will make your rate increase.
  • Road choice: Save money by opting to take highways over local streets, where most accidents tend to happen. This metric is measured using your smartphone’s GPS.
  • Time of day: Driving conditions during the day are safer than at night. Avoid driving after dark to reduce the likelihood of getting in an accident.
  • Mileage: How much you drive is also a factor in your variable rate, and you can expect some savings if you’re a low mileage driver. If you’re looking for a pay-per-mile car insurance option, you can also consider Metromile.

These factors encourage drivers to practice safe driving habits, thereby reducing the likelihood of making a claim.

Noblr car insurance coverage options

Expect all the standard auto insurance coverages, like liabilitycomprehensivecollisionuninsured motoristpersonal injury protection (PIP), and medical payments. Noblr also offers some common additional coverages, detailed below.

Rental car coverage

If your vehicle is out-of-commission following a covered loss or accident, Noblr will cover the cost of a rental car while your own is being repaired.

Roadside assistance

Even the best drivers can’t always avoid mechanical issues and breakdowns. Roadside assistance will lend a helping hand if you need a tire change, jumpstart, towing, or lockout assistance.

Noblr auto insurance discounts

Noblr Rewards is Noblr’s rewards program, and these savings are deducted from your monthly variable rate. They can be earned based on responsible actions you take when you’re in the car — whether you’re driving or riding as a passenger.

The first reward you can expect is a new customer discount, followed by another reward credit for paying your fixed rate in full.

All of these coverages can be easily found elsewhere at other car insurance companies; Noblr doesn’t offer much if you’re looking for some unique coverage options or benefits. Its primary selling point is the prospect of drivers saving money on car insurance as long as they practice good driving habits.

Is Noblr right for you?

If you’re a responsible driver looking for a chance to save some money on your next insurance policy — and try a new kind of car insurance — Noblr is worth looking into. It’s important to keep in mind that because your total premium is the sum of two rates (one fixed, one variable) your bill may vary month-to-month. Like with many telematics-based auto insurance options, it may be a cost-effective option for good drivers who clock fewer miles than the average person (about 12,000 per year).

So many factors influence what an individual pays for car insurance. Smart car insurance is not the best fit for everyone. Even if Noblr offers a cheap monthly fixed rate, your driving habits may quickly run up your bill and make it unaffordable.

Comparing car insurance rates before the end of every policy period is the best way to keep your insurance costs low. Enter your ZIP code below to compare insurance quotes from insurers across the nation.

Decide which car insurance policy is right for you.

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
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  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.