Noblr Auto Insurance Review for 2022

Noblr Auto Insurance Company is owned by USAA, a military-only auto insurance company, but it only sells usage-based insurance (UBI) policies. A mobile app tracks your driving behaviors in real-time, so your Noblr auto insurance rates are based on your monthly road choices, mileage, acceleration, time of day, and focused driving patterns. Noblr auto insurance quotes are currently unavailable, but rates from its parent company, USAA, typically cost around $161 per month or $1,932 annually.

UPDATED: Jun 27, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jun 27, 2022

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Can't-Miss Facts

  • Noblr auto insurance is a usage-based insurance (UBI) option for USAA members
  • USAA bought Noblr in 2021 after experiencing massive growth in its SafePilot program
  • You must be active or retired military with a USAA membership to purchase a Noblr policy

Owned by USAA, the Noblr Auto Insurance Company sells usage-based insurance (UBI) policies that base your rates in part on your actual driving behaviors.

Using an app, Noblr auto insurance rates change based on your mileage, speed, focused driving, road choices, and the time of day you drive.

However, to purchase automobile insurance from Noblr, you must be a USAA member. To become a USAA member, you must be active or retired military or family. So if you’re a civilian, you’ll have to look elsewhere for coverage.

In this Noblr auto insurance review, we’ll compare customer and financial reviews, learn how to request a quote and file a claim, and see how Noblr uses the data it tracks to help you determine if this company is the right match for you.

When you’re done reading about affordable Noblr auto insurance, remember to enter your ZIP code into our free quote comparison tool above to check rates from the best companies near you.

What is Noblr Auto Insurance Company?

A subsidiary of USAA Auto Insurance Company, Noblr only sells UBI policies to USAA members. So while you do not need a USAA auto policy to purchase Noblr insurance, you need to be a USAA member.

Not yet a member? Fortunately, your USAA membership fee is included in your Noblr insurance rates.

But this means only active or retired military personnel and their immediate families can request Noblr auto insurance quotes.

So civilians must look elsewhere for coverage.

Usage-based insurance programs gather data about your real-time driving behaviors using a mobile app or another tracking device. With Noblr, customers download an app compatible with most devices.

Noblr uses the data to provide you with a variable rate that may change each month depending on how you drive. But you also pay a smaller fixed base rate each month that does not change.

Plus, Noblr guarantees that your rates will not exceed an agreed-upon amount for the first six months of your policy, regardless of how you drive.

But precisely what driving behaviors does Noblr track? See more details 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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At this time, Noblr only sells policies in eight states: Arizona, Colorado, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, and Texas. However, the company plans to expand in the future.

Plus, where you live impacts what driving behaviors Noblr may or may not track.

For example, road choices do not affect rates for drivers in Maryland and Pennsylvania.

What auto insurance coverages does Noblr offer? It sells most traditional auto insurance coverage options, including liability, collision, and comprehensive coverage.

The company also sells uninsured motorist coverage, medical payments (MedPay) coverage, and personal injury protection (PIP) insurance.

Plus, for a small additional fee, you can add rental car coverage or roadside assistance to your Noblr policy.

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What are the average Noblr auto insurance rates?

While Noblr auto insurance rates are not currently available, the average cost of auto insurance from its parent company, USAA, is $161 per month or $1,932 annually.

Since USAA owns Noblr, the auto insurance costs might be similar.

However, your UBI Noblr rates may change each month, while USAA policies are typically fixed for the full policy term.

Unfortunately, Noblr also does not say how much drivers may save by using the UBI service.

We do know, however, that a driving score of 100 earns you the lowest rate.

How do you request Noblr auto insurance quotes?

You can buy Noblr auto insurance online or by calling the company directly. You need to be a USAA member to qualify. But if you aren’t one already, you can sign up while securing your Noblr policy.

Next, you’ll download the Noblr Insurance app, follow the prompts, and create a username and password.

For an accurate rate, you must enable your location and motion settings on your device. Set it to always active.

For iOS users, you must also enable ‘Motion & Fitness’.

Then you’re ready to start driving. The mobile app automatically collects data about all of your trips. You can see information about your real-time driving score directly in the app.

Noblr policies feature two different rates, one fixed and one variable. Your variable rate depends on your driver score. Your fixed rate is agreed upon and does not change for the duration of your policy term.

Plus, for the first six months of your policy, your costs never exceed a specific amount provided to you by your Noblr agent.

Finally, if you add any other drivers to your policy, they must also use the Noblr app. However, they create their own unique login.

How do you file a Noblr auto insurance claim?

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

Unlike other companies, there does not appear to be a claims center on the Noblr website.

You can file glass or regular claims in the same place in your app where you access your ID cards and call roadside assistance.

Although it’s convenient, some customers rate the Noblr claims process poorly.

However, it’s not unusual for insurance companies to receive primarily negative reviews online. Keep this in mind while you comparison shop.

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Does Noblr offer any discounts?

At this time, Noblr does not advertise any specific auto insurance discounts on the company website.

However, you can earn something called Noblr Rewards to discount the variable part of your policy.

One way to earn Noblr rewards is by maintaining a high driver score in the app. Do so by always driving safely.

Besides safe driving habits, you can earn Noblr Rewards by purchasing a policy as a new customer, paying for your fixed premium in full, and renewing your policy at the end of your term.

Unfortunately, details about how much you might save are also not available on the Noblr website.

What are the Noblr financial ratings and customer reviews?

Looking at an insurance company’s financial ratings and customer reviews helps you determine if the company is reliable and efficient before committing to a policy.

Fortunately, you can trust Noblr to close any claims and complete repairs efficiently, even in an economic downturn, because USAA backs it.

USAA earned an A++ A.M. Best score, suggesting that this well-established insurance company is in a robust financial position.

Unfortunately, Noblr received some negative online reviews based on customer experiences. Some drivers say that despite cheap rates, the service is lacking. Others mention policy cancellations after submitting claims.

But, despite receiving primarily negative customer reviews online, Noblr is Better Business Bureau accredited and earned an A- rating.

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

A 1.90 score is decent and implies that while the company receives slightly more complaints than average, it’s not a concerning amount.

What is the history of the Noblr Auto Insurance Company?

Founded by Gary Tolman and Jason Foucher and considered an insurtech company, Noblr has only been around since 2017.

However, Tolman previously acted as the president of Esurance from 2000 until 2015.

In 2021, USAA acquired Noblr after experiencing a massive participation increase in the USAA SafePilot program.

Some sources claim the program grew by 200% in 2020, with half of all new members enrolling.

SafePilot by USAA was the UBI program offered to members, but now it’s considered a behavior-based insurance program associated only with USAA policies.

The company will both Noblr and SafePilot as two separate entities. At this time, Noblr is only available in eight states.

However, the company plans to expand to other parts of the country over the next three years.

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How does Noblr use your data?

UBI policies always include a level of data gathering and tracking. Some customers may feel uncomfortable with this.

However, according to the company website, Noblr does not share your data or information without your express permission.

According to Noblr’s privacy policy, your data is always stored in an encrypted environment for security reasons.

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

You can access the personal information collected about you by submitting a written request to the company. You may also request to amend, delete, or correct the recorded data.

However, even if your deletion request is accepted, Noblr may still retain a copy of your information for administrative purposes.

Contact a Noblr representative for more information about your data and any privacy concerns.

Does Noblr offer other insurance plans?

Noblr does not offer any other insurance plans besides usage-based insurance policies.

However, the company partners with other subsidiaries to provide various offerings to USAA members.

Noblr partners with Hippo Insurance to provide condo and homeowners insurance policies for customers.

The company also collaborates with Toggle, a Farmers brand company, to sell renters insurance with prices starting as low as $5 per month.

Plus, you can purchase personal umbrella policies from RLI, an American group that sells property and casualty insurance.

Noblr Auto Insurance: The Bottom Line

If you’re a USAA member with a perfect driving record who’s interested in UBI policies, consider adding Noblr as an option.

Plus, if you purchase a policy and refer friends who get quotes, you can earn $25 referral bonuses.

However, people with poor driving records may not be the right fit for a UBI policy.

Similarly, if privacy issues concern you, usage-based insurance, in general, may not be the right fit for you.

Hopefully we’ve provided everything you need to know about Noblr auto insurance. Get the best coverage for you by entering your ZIP code into our free quote comparison tool below.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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