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Noblr Car Insurance Review

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Based in San Francisco, Noblr is a different kind of auto insurance company that is based on the financial model of a reciprocal exchange. The company uses smartphone technology to measure a driver's skills and habits, and is able to offer discounted premiums for good drivers.
 
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How is Noblr rated?

Breakdown

4.5/5
Coverage
4.5/5
Financial Strength
0.0/5
Supplemental Coverage
4.5/5
Pricing & Discounts
4.5/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 4.3 / 5 (Excellent)

Noblr is one of a growing number of companies that is embracing the growing trend of using a telematics-enabled smartphone app to measure driving skill in order to provide discounted car insurance coverage to customers. The Noblr app assesses miles traveled, actual driving habits (breaking, accelerating, etc.), time of day, and smartphone usage while driving, among other things. The carrier then adjusts the variable part of the customer's premium accordingly, enabling them to save up to 51% on their car insurance. What sets Noblr apart is, unlike similar companies, Noblr also offers a robust set of possible discounts on top of their already lower-than-average premiums. The company provides most of the coverage options a driver could require. Noblr is a great option for drivers with a consistently good track record. However, since the company is just starting out there is little to report on in terms of customer satisfaction at this point.

Noblr Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Roadside Assistance

Coverage - 4.5 / 5

Noblr offers all the traditional coverage options and the ability to customize so customers get the right plan that is suited to them. Noblr coverage includes roadside assistance, collision & comprehensive, bodily injury & property damage, uninsured motorist, and medical payments.

Customer Experience

Claims Satisfaction & Customer Experience - 4.5 / 5

There is not much in the way of customer feedback concerning Noblr. This is to be expected as the company only began operations recently. However, there have been no complaints as yet filed with the National Association of Insurance Commissioners (NAIC).

Financial Strength

Financial Strength - 4.5 / 5

As Noblr is a relatively new carrier, it is difficult to to assess its financial strength as it is not rated by any of the main rating organizations. Noblr operates as a reciprocal exchange, which essentially means the funds to pay claims are pooled between customers' premiums and member contribution fee. For this reason Noblr customers are actually called members.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Homeowner

Pricing & Discounts - 4.5 / 5

Noblr bases its monthly premium on two rates, fixed and variable. The fixed rate is the basic premium that does not change month to month. The variable rate changes and is based on Noblr's assessment of your driving based on the telematics in the app. The assessment considers how, when, where, and how much a customer is driving. Noblr is able to save some customers up to 51% over traditional car insurance because of their good driving habits. Further discounts provided by the company include multiple vehicle, safe driver, and homeowner, in addition to discounts for buying now, paying the fixed part of the premium in full up front, and using rideshare services during dangerous hours (11pm-4am).

Contact & Additional Information

Homepage URL
https://www.noblr.com/
Company Phone
(877) 236-6257
Headquarters Address
San Francisco, CA
Year Founded
2017

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Customer Comments & Reviews

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swalsh401
2/14/2020
Do not Purchase a Policy! The trick here is your 'Variable Rate' can be over $115 + Fixed Rate. For example, I had a 88/100 driving score with an average of 30 miles a day. This led to a variable of $112 + $65 (fixed rate) so that's $140 monthly, no difference from the commercial companies (geico, e surance, etc.) And they track your focus, road choice, smoothness, and the time of the day you're driving.. so it's simply not worth it! ALSO, they charge a fee just to open a policy with them! Mine was $65, which I figured was the Fixed rate and then I pay the Variable rate after a month of driving.. nope. So now for 1 month I ended up paying over $200. Such a waste of time, unclear... Read More

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