AAA vs. Noblr Reciprocal Exchange: Which Company is the Best Fit for You?

Wondering if AAA or Noblr Reciprocal Exchange is the best auto insurance carrier for you, your vehicle, and your wallet? We've broken down all the rates and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • In general, Noblr Reciprocal Exchange offers significantly more affordable premiums than AAA
  • AAA may help you save more money -- they offer more discounts than Noblr Reciprocal Exchange
  • Noblr Reciprocal Exchange has cheaper prices for drivers with a DUI


AAA or Noblr Reciprocal Exchange: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering sizable savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to AAA or Noblr Reciprocal Exchange for your next policy, but which company will save you the most?

AAA Noblr Reciprocal Exchange
$314$79

As you can see, Noblr Reciprocal Exchange has average rates that are around 75% a month less expensive than those from AAA when looking at the national average rates for car insurance.

However, Noblr Reciprocal Exchange may not be the most affordable or best option for every single driver out there. Insurance carriers vary their premiums depending on things like how old you are, how good your credit score is, where you live, how clean your driving record is, and tons of other factors, so prices will change quite a bit from person to person.

Wanting to know if AAA or Noblr Reciprocal Exchange is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

AAA vs. Noblr Reciprocal Exchange: Average Car Insurance Rates by State

State AAA Noblr Reciprocal Exchange
AZ$349$79

AAA and Noblr Reciprocal Exchange only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average premiums. Noblr Reciprocal Exchange drivers tend to pay about $270 per month less on average compared to drivers who use AAA for their auto insurance.

There are plenty of other factors that go into your car insurance bill than just where you call home. Keep reading to learn more.


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Which is the Best Company For Young Drivers?

AAA Noblr Reciprocal Exchange
18-year-old drivers$689$252
25-year-old drivers$276$53

Teen drivers will almost always have the most expensive insurance rates of any group on the road. It's generally because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of almost 65% less a month by choosing Noblr Reciprocal Exchange over AAA.

Even so, with both companies, you'll see your premiums lower significantly by the time drivers turn 25. For example, average rates for AAA policyholders reduce nearly 60% and Noblr Reciprocal Exchange's prices drop almost 80% over that time.

Which is the Best Company for Retired Drivers?

AAA Noblr Reciprocal Exchange
65+-year-old drivers$238$48

Drivers around retirement age normally enjoy some of the lowest auto insurance premiums you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise rates.

So, which carrier offers the best prices to retired drivers? Noblr Reciprocal Exchange gets the edge, with premiums for drivers 65 and older $190 cheaper than the national average for AAA.

Which is the Best Company for Married Drivers?

AAA Noblr Reciprocal Exchange
Single$369$103
Married$239$47

You may not be aware, but car insurance rates tend to be less expensive for married couples than they are for those who are single. This usually boils down to married drivers having more than one vehicle on their policy -- something many auto insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is significant, with Noblr Reciprocal Exchange rates coming in at about a quarter of AAA's. The advantage for married policyholders with Noblr Reciprocal Exchange is also obvious, where drivers save around $200 per month.

AAA or Noblr Reciprocal Exchange: Average Rates by Gender

AAA Noblr Reciprocal Exchange
Male$331$81
Female$297$77

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll usually end up paying more for insurance than women.

With AAA, women normally pay over 10% a month less than men, and about 5% less with Noblr Reciprocal Exchange when compared to their male counterparts.

When it comes to the cheapest prices for each gender, Noblr Reciprocal Exchange comes out on top for both men and women. On average, male drivers save about $250 per month and women save around $220 with Noblr Reciprocal Exchange compared to the average AAA policyholder.


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AAA vs. Noblr Reciprocal Exchange: Compare State Minimum vs. Full Coverage Rates

AAA Noblr Reciprocal Exchange
State Minimum*$169$46
Full Coverage**$459$112

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance isn't the easiest topic to understand. There are several different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

But the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum limits for liability insurance, Noblr Reciprocal Exchange has the significant edge, with average monthly premiums coming in at $46. If you want a full coverage policy with the same state minimum limits, Noblr Reciprocal Exchange again has the edge, with policies averaging about $112 a month to AAA's $459.

Is AAA or Noblr Reciprocal Exchange Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and accidents will most likely raise your prices, but is AAA or Noblr Reciprocal Exchange more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Noblr Reciprocal Exchange
Clean Record$213$64
1 Speeding Ticket$299$78

Policyholders who use AAA for their insurance can typically expect their monthly bill to go up around 29% after getting a speeding ticket. Noblr Reciprocal Exchange policyholders can expect a less drastic increase of about 18%.

Even so, Noblr Reciprocal Exchange tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering premiums that are 70% and 74% less expensive, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

AAA Noblr Reciprocal Exchange
Clean Record$213$64
1 At-Fault Accident$339$90

AAA drivers who get in a collision can expect to see their rates rise by over 35%, while those who have insurance through Noblr Reciprocal Exchange will see around a 30% increase.

At the end of the day, Noblr Reciprocal Exchange offers the most affordable prices for drivers with an at-fault collision on their records, with average premiums coming in at $90 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Noblr Reciprocal Exchange
Clean Record$213$64
1 DUI$403$83

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, AAA will raise your rates about 47% after a DUI, while Noblr Reciprocal Exchange's average prices climb by nearly 25%.

But if you end up with a DUI charge and are looking for more affordable rates, Noblr Reciprocal Exchange tends to be more affordable for the average driver, with monthly premiums coming in at around $83 to AAA's $403.


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How does Credit Score Impact AAA and Noblr Reciprocal Exchange Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it does affect several policyholders out there.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the cheapest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

AAA Noblr Reciprocal Exchange
Excellent Credit Score$185$49
Good Credit Score$247$51

If you have a solid credit score, Noblr Reciprocal Exchange will generally reward you the most. For policyholders with "excellent" credit scores, Noblr Reciprocal Exchange comes in just under 73.51 cheaper. Drivers with "good" credit scores usually save about 79% with Noblr Reciprocal Exchange compared to average premiums from AAA.

Which Company is Best for Drivers with Bad Credit?

AAA Noblr Reciprocal Exchange
Fair Credit Score$304$101
Poor Credit Score$539$114

Noblr Reciprocal Exchange typically offers lower prices than AAA when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 67% per month less with Noblr Reciprocal Exchange compared to AAA, and those with "poor" scores typically save an average of about 79% a month.


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Is AAA or Noblr Reciprocal Exchange Better for Drivers who Work from Home or Have Short Commutes?

AAA Noblr Reciprocal Exchange
6,000 Annual Miles$307$79
12,000 Annual Miles$320$79

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. Usually, those who drive fewer miles will end up with less expensive rates since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Noblr Reciprocal Exchange charges. However, there's a small difference in monthly premiums for AAA, with policyholders who drive 6,000 miles each year paying around $13 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Noblr Reciprocal Exchange is the more affordable carrier.

AAA or Noblr Reciprocal Exchange: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a pretty big role in how much you pay for auto insurance. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads where they live.

AAA Noblr Reciprocal Exchange
Urban Areas$384$97
Suburban Areas$301$70
Rural Areas$256$70

Noblr Reciprocal Exchange tends to offer the lowest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Noblr Reciprocal Exchange's average premiums are about 75% less than AAA Insurance. People who live in suburban areas pay around 77% less with Noblr Reciprocal Exchange compared to AAA. Those in rural areas can expect to save about 73% with Noblr Reciprocal Exchange compared to AAA.

AAA vs. Noblr Reciprocal Exchange Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

The challenging part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts AAA and Noblr Reciprocal Exchange offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

AAA Noblr Reciprocal Exchange
AAA Discount 
Academic Discount 
Advance Quote Discount 
Advantage Technology Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
DriveSharp Discount 
Education Discount 
EFT Discount 
Employee Discount 
Garage Discount 
Good Driving Discount
Good Student Discount 
Group Discount 
Homeowner Discount
Hybrid Vehicle Discount 

AAA knocks Noblr Reciprocal Exchange out of the park when it comes to the sheer number of discounts available, offering 25 more discounts than Noblr Reciprocal Exchange.

Both companies offer lots of the same discounts -- like discounts for being a good driver, discounts for insuring multiple cars with the same company, and multi-policy discounts -- but AAA also offers discounts for AAA, academic, advance quote, and more.

On the other hand, Noblr Reciprocal Exchange has a few proprietary discounts of their own for things like advantage technology discounts, continuous insurance discounts, education discounts, and more.


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Final Thoughts: Is AAA or Noblr Reciprocal Exchange Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, is AAA or Noblr Reciprocal Exchange the best carrier for you and your specific needs?

Noblr Reciprocal Exchange might be best for you if....

  • Your driving record includes a DUI charge.
  • Your home is in a busy urban area.
  • Your neighborhood is in a rural area.


AAA might be best for you if...

  • You're looking for the company with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between AAA and Noblr Reciprocal Exchange. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just AAA and Noblr Reciprocal Exchange. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.


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AAA vs. Noblr Reciprocal Exchange FAQs

Is AAA or Noblr Reciprocal Exchange cheaper?

Noblr Reciprocal Exchange is the cheaper of the two carriers when looking at national average rates, with policies averaging $79 a month with Noblr Reciprocal Exchange and $314 for AAA. However, that doesn't mean Noblr Reciprocal Exchange will be the cheapest carrier for each policyholder, since there are many different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, AAA or Noblr Reciprocal Exchange?

Sadly, the real answer is "it depends.". Neither company is "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do AAA and Noblr Reciprocal Exchange offer me different rates?

Insurance companies use quite a few different variables when calculating the premiums they charge. Things such as your driving record, where your home is, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Noblr Reciprocal Exchange calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if AAA or Noblr Reciprocal Exchange is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't AAA or Noblr Reciprocal Exchange at all, but another you hadn't even thought of!


Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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