Noblr Car Insurance Review & Ratings (2024)

Learn how Noblr utilizes cutting-edge technology, including telematics and artificial intelligence, to offer tailored insurance plans that reward safe driving habits. Explore the unique features of Noblr Insurance, such as its SmartRide program, which tracks driving behavior through a smartphone app, allowing customers to receive lower premiums based on their safe driving practices.

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Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...

Insurance Content Team Lead

Heidi Mertlich

Licensed Life Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including,,, and Forbes. As a parent herself, she ...

Licensed Life Insurance Agent

UPDATED: Nov 23, 2023

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Company Details
Address: 1 Union St Suite 210
City: San Francisco
State: CA
ZIP Code: 94111
Phone Number: (877) 236-6257
Year Founded: 2015
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Welcome to our comprehensive article on Noblr Insurance, a leading provider of personalized auto insurance coverage. In this guide, we will delve into key topics related to Noblr Insurance, including its innovative use of telematics, cutting-edge technology, competitive rates, unique discounts, and exceptional customer satisfaction. Discover how Noblr Insurance utilizes telematics and artificial intelligence to offer tailored insurance plans that reward safe driving habits.

  • Uses telematics to personalize rates
  • Offers unique discounts based on driving behavior
  • Provides customers with a user-friendly app to track driving habits

 If you’re looking for the best insurance rates in your area, enter your ZIP code below and compare quotes from the top insurance providers. Take the first step towards transparent and fair insurance coverage by finding the perfect policy with Noblr Insurance.

Noblr Insurance History and Mission

Noblr Insurance was founded in 2017 by Gary Tolman, a former CEO of Esurance. The company is based in San Francisco, California, and is currently available in 17 states.

Noblr’s mission is to provide customers with personalized insurance coverage that takes into account their individual driving habits. The company believes that insurance should be fair, transparent, and rewarding, and they use telematics to achieve this goal.

Noblr uses a unique approach to insurance by tracking customers’ driving behavior through its SmartRide program and adjusting rates accordingly. The company’s goal is to provide a more accurate representation of risk, which can result in lower premiums for customers who exhibit safe driving behaviors.

Noblr aims to simplify the insurance process and provide customers with a more user-friendly experience through its app and personalized approach to coverage.

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Types of Insurance Offered by Noblr

Noblr is a US-based insurance company that offers a range of insurance products to its customers. Here are the types of insurance offered by Noblr:

  • Auto insurance: Noblr’s primary offering is usage-based auto insurance. This means that the premiums are based on the actual driving behavior of the policyholder, as recorded by a mobile app that tracks driving habits such as speed, braking, and acceleration.
  • Home insurance: Noblr offers homeowners insurance, which provides coverage for the structure of the home, personal property, and liability protection. The coverage can be customized to suit the individual needs of the policyholder.
  • Renters insurance: Noblr offers renters insurance, which provides coverage for personal property and liability protection for renters.
  • Umbrella insurance: Noblr offers umbrella insurance, which provides additional liability protection beyond the limits of a standard auto or home insurance policy.
  • Commercial auto insurance: Noblr also offers commercial auto insurance, which provides coverage for vehicles used for business purposes.

The Cost of Coverage With Noblr Insurance

Noblr offers usage-based insurance, which means that the cost of coverage varies based on the individual policyholder’s driving behavior. Here are the possible costs of coverage with Noblr:

  • Base premium: This is the fixed portion of the premium that covers the basic costs of insurance, such as administrative expenses and profit.
  • Usage-based premium: This is the portion of the premium that is based on the policyholder’s driving behavior, as recorded by the mobile app. The premium may be adjusted up or down based on factors such as speed, braking, acceleration, and time of day.
  • Discount or surcharge: Noblr offers discounts for safe driving behavior, such as avoiding distracted driving or driving during low-risk times of the day. Conversely, a surcharge may be added for unsafe driving behavior.
  • Deductible: This is the amount that the policyholder must pay out of pocket before insurance coverage kicks in. Noblr offers a range of deductibles, and the premium may be adjusted based on the chosen deductible amount.
  • Coverage limits: The premium may also vary based on the coverage limits chosen by the policyholder. Higher coverage limits typically result in a higher premium.
  • Additional coverage: Noblr offers additional coverage options, such as roadside assistance and rental car reimbursement, which may increase the premium.

Areas Where Noblr Insurance is Offered

Currently, Noblr Insurance is available in 17 states across the United States. These states include:

  • Arizona
  • Colorado
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Missouri
  • Montana
  • Ohio
  • Oregon
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah

If you’re interested in finding out if Noblr Insurance is available in your state, here are the five steps you can take:

  1. Visit the Noblr Insurance website.
  2. Scroll down to the bottom of the homepage and click on “States We Serve” in the footer section.
  3. You will be redirected to a page that lists all the states where Noblr Insurance is currently available.
  4. If your state is listed, you can click on it to learn more about the specific coverage options and rates available in your area.
  5. If your state is not listed, you can enter your email address on the page to be notified when Noblr expands to your area.

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Discounts Available From Noblr Insurance

Noblr offers a range of discounts to policyholders who exhibit safe driving behavior or meet other criteria. Here are some of the discounts available from Noblr Insurance:

  • Safe driver discount: Policyholders who exhibit safe driving behavior, such as avoiding sudden stops, hard turns, and excessive speed, may be eligible for a safe driver discount.
  • Low mileage discount: Policyholders who drive less than the average number of miles per year may be eligible for a low mileage discount.
  • Good student discount: Policyholders who maintain good grades in school may be eligible for a good student discount.
  • Bundling discount: Policyholders who purchase multiple policies from Noblr, such as auto and home insurance, may be eligible for a bundling discount.
  • Pay in full discount: Policyholders who pay their premium in full at the beginning of the policy period may be eligible for a pay in full discount.
  • Defensive driving discount: Policyholders who complete a state-approved defensive driving course may be eligible for a defensive driving discount.
  • Anti-theft device discount: Policyholders who install an approved anti-theft device in their vehicle may be eligible for an anti-theft device discount.

Seamless Claims Process With Noblr Car Insurance 

Ease of Filing a Claim

Noblr Insurance provides a seamless claims process for its customers. Policyholders can file claims conveniently through various channels, including online submissions, over the phone, and via their mobile app. The user-friendly interfaces across these platforms ensure a hassle-free experience when reporting incidents or accidents.

Average Claim Processing Time

One of Noblr’s strengths lies in its efficient claim processing system. The company is dedicated to swift resolutions, aiming to process claims in a timely manner. Policyholders can expect prompt responses and quick settlements, enhancing their overall satisfaction with Noblr’s claims services.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback regarding Noblr’s claim resolutions and payouts is largely positive. Many customers appreciate the transparency and fairness in the claims handling process. Noblr’s commitment to using telematics technology to assess claims accurately ensures that payouts align with individual driving behaviors.

While some challenges are reported, the majority of customers express satisfaction with the resolutions and payouts, emphasizing the company’s dedication to customer-centric services.

Unveiling Digital and Technological Innovations of Noblr Car Insurance 

Mobile App Features and Functionality

Noblr’s mobile app stands out for its robust features and user-friendly interface. The app allows policyholders to not only track their driving behavior through the SmartRide program but also manage their policies efficiently. Users can access real-time data, view policy details, and file claims directly from the app.

Additionally, the app provides valuable insights into driving habits, empowering users to make informed decisions that can lead to lower premiums.

Online Account Management Capabilities

Noblr Insurance offers comprehensive online account management capabilities. Policyholders can log in to their accounts via the company’s website, gaining access to a range of self-service options.

From updating personal information to reviewing policy documents and monitoring driving scores, customers have complete control over their insurance-related activities. The intuitive online portal ensures that managing policies, making payments, and exploring available discounts are just a few clicks away.

Digital Tools and Resources

Noblr provides a wealth of digital tools and resources to support its customers. These include informative articles, FAQs, and video tutorials accessible through their online platform and mobile app.

These resources aim to educate policyholders about safe driving practices, insurance terms, and coverage options. By offering easily accessible digital resources, Noblr empowers its customers to make informed decisions and maximize the benefits of their policies.

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Customer Reviews of Noblr Insurance

Customer reviews of Noblr Insurance are generally positive, with many customers praising the company for its innovative use of technology to personalize rates and promote safe driving habits. However, there are also some negative reviews that cite issues with customer service and claims processing. Here is an overview of customer reviews of Noblr Insurance:


  • Many customers appreciate the telematics technology used by Noblr to track driving habits and reward safe driving behaviors with lower premiums.
  • Customers appreciate the personalized rates and the ability to see their driving data and make adjustments to their habits to save money.
  • The online and mobile app tools provided by Noblr make it easy for customers to manage their policies and make changes when necessary.


  • Some customers have reported issues with the claims process, including delays in getting claims resolved and difficulty reaching customer service representatives.
  • The fact that Noblr does not offer traditional discounts, such as those for good drivers or low-mileage usage, can be a disadvantage for some customers.
  • The requirement to have a smartphone and download the Noblr app to use the telematics technology can be a barrier for some potential customers.

Roundup: Noblr Insurance

Noblr Insurance is an innovative auto insurance company that uses telematics technology to personalize rates and promote safe driving habits. By tracking driving behavior through a smartphone app, Noblr can offer lower premiums to safe drivers and reward good driving habits.

The company’s mission is to make insurance more transparent and fair for consumers. Noblr offers several types of coverage, including liability, collision, and comprehensive insurance, and operates in several states across the U.S.

The cost of Noblr’s policies can vary depending on a variety of factors, including driving behavior and policy details, and the company offers several discounts to help customers save money.

While customer reviews are generally positive, some customers have cited issues with the claims process and customer service. Overall, Noblr Insurance offers an innovative approach to insurance that may be a good fit for drivers who value personalized rates and safe driving habits.

Frequently Asked Questions

What is Noblr Insurance?

Noblr Insurance is a technology-driven insurance company that uses telematics and artificial intelligence (AI) to provide personalized auto insurance rates to customers.

How does Noblr Insurance work?

Noblr Insurance uses a mobile app to track customers’ driving behavior, such as how often they brake suddenly or how frequently they use their phone while driving. This data is used to calculate each customer’s personalized insurance rates.

What types of coverage does Noblr Insurance offer?

Noblr Insurance offers standard auto insurance coverage, including liability, collision, and comprehensive coverage.

Is Noblr Insurance available in all states?

No, Noblr Insurance is currently only available in a few states, including Arizona, Ohio, Texas, and Indiana.

How can I get a quote from Noblr Insurance?

To get a quote from Noblr Insurance, you’ll need to download their mobile app and create an account. Once you’ve created an account, the app will track your driving behavior and calculate a personalized insurance rate for you.

Can I cancel my Noblr Insurance policy at any time?

Yes, you can cancel your Noblr Insurance policy at any time. However, you may be charged a fee for canceling your policy before the end of its term.

Does Noblr Insurance offer discounts for safe driving?

Yes, Noblr Insurance offers discounts for safe driving. The better you drive, the more you can save on your insurance rates.

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