Car Insurance 101

Demystifying coverage

Car Insurance 101

Demystifying coverage

Noblr Is Different

Most car insurance companies in the United States are traditional stock companies that determine policy rates based on broad demographic and driving patterns. In other words, filed rates often translate into better drivers tending to subsidize worse drivers.
Bucking industry norms, Noblr uses technology to reward its members’ good behind-the-wheel habits with highly accurate, competitive rates tailored to the policyholder’s real-world driving. Noblr operates through a reciprocal exchange business model, which is a capital-efficient model that gives policyholders a voice in the direction of the company.

Do I Need Car Insurance To Drive?

Yes. The majority of states have minimum car insurance requirements. You can check your state’s car insurance requirements
via its DMV website.

Noblr is currently available in these states as approved by each state’s respective Division of Insurance. We are coming to other states soon.

How Do I Get Car Insurance?

At Noblr, getting started is easy. Get started by getting a quote online. If you meet our basic eligibility requirements and like your quote, you can buy a policy right away. For an even more accurate quote, you can download the Noblr app on iOS or Android and take an obligation-free 7-day test drive first. After your test drive, you can see your potential savings, purchase a Noblr policy, have Noblr coverage, and see meaningful savings based on how you actually drive.

What Do Car Insurance Policies Cover?

Noblr offers a variety of standard coverage options. To read more about the specific coverages we offer, check out our Coverages page. Coverage limits, deductibles, policy terms and conditions, and certain exclusions may apply, however, so please read your insurance policy for details.

How Are Car Insurance Prices Determined?

Car insurance companies determine prices in a variety of ways that range from boring to baffling. Noblr believes in a fairer, more transparent process.

At Noblr, your premium consists of two parts: fixed & variable. The fixed rate is the basic premium you pay for insurance and is consistent month-to-month. The variable rate changes each month based on how, where, how much, and when you’re actually driving, giving you the ability to lower your own rates each month, depending on your driving.

Why Won’t Some Car Insurance Companies Cover Me?

We can’t speak for everyone but as with all kinds of insurance, many factors play into Noblr coverage eligibility, including your level of experience and driving record.

Some reasons why Noblr may not offer to sell you a policy include if:

  • You have been convicted for a DUI or DWI
  • You have too many accidents, claims, and/or traffic violations on your driving record
  • You have missed too many payments
  • You have submitted a fraudulent claim

Ready to see how much you can save by driving responsibly with Noblr? Get a quote now.

Get a quote today to see how much you could save.

Get a Quote