Noblr Car Insurance Review (2026)

Many car insurance companies offer drivers the ability to save money using telematics. Noblr car insurance is one of the newer usage-based companies out there.

Although USAA purchased Noblr, it’s unclear exactly how that will affect the coverages and discounts offered in the future.

Before you buy Noblr car insurance, shop around to find the best deal for you. Every company will offer different rates, so compare multiple companies to find the best coverage with the cheapest rates.

Keep reading our Noblr car insurance review to find out more. Before you begin, enter your ZIP code to compare free car insurance quotes from companies in your area.

What is Noblr car insurance?

Noblr offers 100% digital car insurance, but coverage is only available in Arizona, Colorado, Louisiana, Maryland, Ohio, Pennsylvania, New Mexico, and Texas.

Noblr began in 2015, but the company was purchased by USAA in 2021. USAA only offers coverage to members of the military and their families, and Noblr will now be following suit.

Also, Noblr requires customers to use the app for all needs as well as to help calculate rates.

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What are Noblr car insurance rates?

Noblr car insurance is based on a unique mix of fixed and variable monthly rates. Although rates vary, Noblr does promise that rates for your first six months won’t go over a certain price.

First, Noblr’s fixed monthly rates are based on the traditional factors that affect your car insurance.

So, what affects car insurance rates the most? Your driving record is by far the most significant factor that affects your rates. It shows your insurance company how risky you are to insure.

This table shows you average annual rates based on driving records from top companies, including USAA.

Noblr doesn’t offer coverage to drivers with a DUI or with excessive accidents and tickets.

Second, Noblr uses telematics to calculate the variable portion of your rates. Telematics in the app monitors certain driving behaviors and charges lower rates the better your drive. You control this portion of your rates.

Noblr monitors these driving habits:

• Distracted driving
• Mileage
• Time of day you drive
• Types of roads you drive on
• Hard braking and acceleration

Telematics can do more than just save you money. According to the Insurance Information Institute, telematics also makes drivers safer by providing immediate feedback.

What car insurance coverages does Noblr offer?

Noblr only offers car insurance, so drivers looking to bundle policies won’t find what they need.

Noblr car insurance offerings include:

• Liability
• Collision
• Comprehensive
• Medical payments
• Personal injury protection
• Uninsured/Underinsured motorist
• Rental car coverage
• Roadside assistance

One unique Noblr feature is that it automatically includes roadside assistance in your policy. Drivers can take advantage of the service up to three times in each six-month policy term.

What car insurance discounts are available with Noblr?

Car insurance discounts allow drivers to drastically lower rates. Most companies offer many different discounts based on the driver, policy, and even the features of your car.

However, Noblr only offers three discounts. They are a new customer discount, a paid-in-full discount, and a renewal discount.

For comparison, this table shows common car insurance discounts offered by top companies, including USAA.

You can see that discounts can make a significant impact on your rates. They can even make a difference in which car insurance company is cheaper for you.

How do you cancel Noblr car insurance?

Because there are many reasons you may need to cancel your Noblr car insurance policy, it’s good to know you can do so at any time. However, Noblr may charge a cancelation fee if it’s within the first six months.

To cancel coverage, have your policy number and the date you want your coverage to end and call customer service at 1-877-236-6257 or send an email to service@noblr.com.

There are certain steps to follow to make your cancelation process as easy as possible.

Steps to canceling car insurance are:

• Find out when your Noblr policy expires. Since policies are only six months long, it may be cheaper and easier to wait until the policy ends to switch companies.
• Shop around for new coverage. Every company will weigh your information differently and offer different rates.
• Get your new coverage in place. Make sure your new policy begins at least a day before your Noblr coverage ends to avoid a lapse.
• Let Noblr know you are leaving. After your cancelation date, follow up to see if you are due a refund if you prepaid.

It is very important that you don’t allow your car insurance to lapse. A lapse in coverage can cause you to have your license suspended or your car impounded. Not to mention, you can be charged fines and higher insurance rates.

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How do you file a car insurance claim with Noblr?

In order to file a Noblr car insurance claim, start the process in the app or by calling customer service. Have your policy information, pictures of the vehicle damage, and your police report available.

It should be noted that many of the Noblr car insurance complaints are about the claims process.

Also, carefully consider if filing a claim is worth it. An insurance claim can raise your car insurance rates, which can cost more than the damages in the long run.

What are the Noblr car insurance ratings?

Noblr car insurance ratings are also important. You need to have confidence that your insurance company will be there when you need it.

Companies are rated by A.M. Best based on their financial health. The Noblr car insurance company isn’t rated because it hasn’t been around that long. USAA, on the other hand, has an A+ rating, indicating that it has a superior ability to meet financial responsibilities.

However, Noblr has been around long enough to earn a rating from the Better Business Bureau (BBB) on customer interaction. The BBB gave Noblr an A- rating and accreditation.

How well the app rates is also important since it is used for everything from getting your policy information to calculating rates. On Google Play, the Noblr app scored a 3.7/ rating, and on the Apple App Store, it got a 3.9/5 rating.

Noblr Car Insurance: The Bottom Line

Drivers with good driving habits can find affordable Noblr car insurance in eight states. However, USAA bought Noblr and requires drivers to be in the military or be family members to get coverage.

Before you pick a car insurance company, compare rates, discounts, and ratings to find a company that meets your needs.

Now that you’ve learned everything you need to know about Noblr auto insurance, enter your ZIP code to compare quotes from car insurance companies near you for free.