We’ll cover everything you need to know about Noblr Car insurance in our review, including coverage choices, discounts, and customer satisfaction ratings. Continue reading our Noblr Car Insurance review to learn more.
Noblr, based in San Francisco, brought together insurance and technology to create a unique consumer experience for today’s insurance purchaser. While technology-driven insurance is not a novel concept, Noblr is unique in that it is an app-based insurance firm. While some insurers have not shied away from offering telematics and usage-based insurance to their clients, the majority of their business remains based on the more conventional model of policyholders paying a fixed premium over the course of the policy period.
Currently accessible in Arizona, Colorado, Ohio, and Texas — with aspirations to extend throughout the United States — Noblr calculates a portion of your premium using driving data collected via its mobile app. Noblr is most comparable to Root in that both insurers rely on an app to collect real-time data on their customers’ driving activity in order to price their policies appropriately. Unlike Root, though, Noblr does not demand a test drive or a brief trial period prior to enrollment.
Noblr insurance review
- Customer satisfaction — Not rated by JD Power.
- Claims satisfaction — Not rated.
- Financial strength — Not rated by AM Best.
- NAIC Rating — Good: Noblr received fewer customer complaints than the national median, as recorded by the National Association of Insurance Commissioners.
How does Noblr work?
Before you can download the app and begin driving, Noblr calculates a set monthly premium based on some of the standard parameters used by auto insurers to determine your insurance rate – your age, location, gender, and vehicle. If this rate is acceptable to you, you can use the app as a telematics device while driving.
This monthly fixed cost accounts for the majority of your premium, while the app calculates your monthly variable rate – which may vary month to month depending on your driving patterns. Your variable rate is added to your fixed rate to establish your total monthly premium amount.
The Noblr app generates a variable charge depending on your driving behavior and then adds it to your set monthly fee. The variable rate formula is decomposed into five components that the app measures:
- Smoothness: Hard braking and fast acceleration show that you are not as aware of your surroundings as you should be while driving.
- This identifies how you’re interacting with your phone while driving. Your rate will increase if you text or engage in other prohibited phone activity while driving.
- Save money by choosing highways over smaller streets, which are prone to accidents. This statistic is calculated using the GPS on your smartphone.
- Driving conditions are safer during the day than at night. Avoid driving after dark to lower your chances of being involved in an accident.
- Mileage: Your variable rate is also affected by how often you drive, and you should expect to save money if you’re a low-mileage driver. Metromile is another choice if you’re searching for pay-per-mile vehicle insurance.
These factors encourage drivers to practice safe driving habits, thereby reducing the likelihood of making a claim.
Noblr car insurance coverage options
Expect to be covered by all regular vehicle insurance policies, including liability, comprehensive, collision, uninsured motorist, personal injury protection (PIP), and medical expenses. Additionally, Noblr offers several typical add-on coverages, which are mentioned 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 applied to your variable rate on a monthly basis. They can be gained by taking appropriate conduct when driving or traveling as a passenger in a car.
You may anticipate to receive a new customer discount initially, followed by another credit for paying your fixed rate in full.
All of these coverages are readily available via other auto insurance providers; Noblr does not offer many unique coverage options or perks. Its principal selling point is that drivers may save money on vehicle insurance if they maintain safe driving practices.