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

Quick Facts

• Based on national averages for auto insurance, Noblr Reciprocal Exchange offers significantly cheaper premiums than Allstate
• Allstate offers more discounts than Noblr Reciprocal Exchange
• Noblr Reciprocal Exchange offers less expensive average rates for policyholders who may not have much of a commute

Allstate vs. Noblr Reciprocal Exchange: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Allstate or Noblr Reciprocal Exchange, but which company will offer you more affordable prices?

As you can see, Noblr Reciprocal Exchange has average rates that are about 60% per month cheaper than those from Allstate when looking at the national average rates for insurance.

But that doesn't necessarily mean Noblr Reciprocal Exchange will be the less expensive option for every single driver. Auto insurance companies vary their rates depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and tons of other factors. So, at the end of the day, premiums from each company will differ quite a bit from person to person.

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

Allstate or Noblr Reciprocal Exchange: Average Car Insurance Rates by State

Allstate and Noblr Reciprocal Exchange only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average rates. For Arizona residents, Noblr Reciprocal Exchange offers car insurance for $79 a month on average. Allstate's average premiums come out to be over 70% more expensive, at $203 per month.

That being said, there's a lot more that goes into your auto insurance bill than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Noblr Reciprocal Exchange save nearly $200 a month compared to those who use Allstate. It's worth noting that Allstate offers insurance in 47 different states compared to Noblr Reciprocal Exchange's one, which can skew the average premiums a bit, but the difference here is still considerable.

However, both carriers will lower prices by the time drivers turn 25. For example, average premiums for Allstate policyholders reduce almost $300 and Noblr Reciprocal Exchange's rates drop around $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you can find.

But who has the best rates for retired drivers between Allstate and Noblr Reciprocal Exchange? Noblr Reciprocal Exchange gets the edge, with prices for drivers 65 and older nearly 70% more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly less expensive car insurance premiums than single drivers. That's because policies for married couples generally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Noblr Reciprocal Exchange is the clear winner for single policyholders, with rates about $128 per month more affordable than Allstate, on average. The advantage for married policyholders with Noblr Reciprocal Exchange is also obvious, where drivers save almost 70% a month.

Allstate vs. Noblr Reciprocal Exchange: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get speeding tickets. That means when it comes to insurance men will normally end up paying a little more.

On average, women see prices nearly $10 per month cheaper with Allstate, and around $4 less with Noblr Reciprocal Exchange.

When it comes to the lowest premiums for each gender, Noblr Reciprocal Exchange comes out on top for both men and women. On average, women save about $117 a month and men save about $122 with Noblr Reciprocal Exchange compared to the average Allstate policyholder.

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

*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.

Auto insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Noblr Reciprocal Exchange usually offers significantly more affordable rates of $46 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Noblr Reciprocal Exchange again has the edge, with policies around $200 per month less expensive than Allstate, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault accidents will most likely raise your prices, but is Allstate or Noblr Reciprocal Exchange cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 a month if they get a ticket, while Noblr Reciprocal Exchange normally raises prices about $14 per month, on average.

That being said, Noblr Reciprocal Exchange is typically the less expensive option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $92 a month and drivers with a ticket can save about $105 per month with Noblr Reciprocal Exchange.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Allstate can expect to see around an $73 -- or about 32% -- increase in their auto insurance premiums. Drivers who use Noblr Reciprocal Exchange for their insurance will see a monthly bill around $26 (or 29%) more expensive after reporting a collision to their car insurance company.

Overall, Noblr Reciprocal Exchange offers the cheapest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $90 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

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. For example, Allstate increases average prices by over $70 a month -- that's over a 30% increase.

Noblr Reciprocal Exchange has the overall most affordable rates for drivers with a DUI on their records at $83 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Noblr Reciprocal Exchange, so the data may be skewed slightly.

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

Did you know that many auto insurance carriers take your credit score into account when calculating prices? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of drivers.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the lowest premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Noblr Reciprocal Exchange. Drivers with "excellent" credit can save more than 65% compared to Allstate, and those with "good" scores can also expect to see savings -- about $121 or 70% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange typically offers lower rates than Allstate when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $102 per month less with Noblr Reciprocal Exchange compared to Allstate, and those with "poor" scores generally save an average of about $161 per month.

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

How much you drive can have a pretty big impact on your monthly prices. Usually, those who drive less will end up with cheaper premiums since there's less of a chance of getting into a collision and causing 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 rates for Allstate, with drivers who put 6,000 miles on their car annually paying around $3 less every month compared to those who drive 12,000 miles each year. Still, Noblr Reciprocal Exchange is the less expensive option for drivers in both categories.

Allstate vs. Noblr Reciprocal Exchange: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for auto insurance. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

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

If you live in a rural area, you can expect to save about 60% with Noblr Reciprocal Exchange compared to Allstate. Drivers in suburban ZIP codes pay around 65% less with Noblr Reciprocal Exchange compared to Allstate. In urban areas, Noblr Reciprocal Exchange's average prices are about 56% less than Allstate.

Allstate vs. Noblr Reciprocal Exchange Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

In the section below, we've taken a look at all of the different discounts Allstate and Noblr Reciprocal Exchange offer their customers so that you can find the one that has the most discounts and, therefore, the biggest savings.

Allstate knocks Noblr Reciprocal Exchange out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Noblr Reciprocal Exchange's eight.

There are a couple discounts both carriers offer, but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Noblr Reciprocal Exchange does not.

On the flip side, Noblr Reciprocal Exchange has a couple unique discounts of its own -- advantage technology discounts, continuous insurance discounts, education discounts, and more.

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

So, you've seen how different variables can affect your insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the right carrier for you and your specific driver profile?

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

• You're looking for the best rates in AZ.
• You live in an urban area.
• You don't spend much time in your car.

Allstate might be best for you if...

• You are considering moving to another state -- Noblr Reciprocal Exchange only offers policies in Arizona.
• You're looking for discounts -- Allstate has the most.

We hope this guide has ben a valuable resource as you compare Allstate and Noblr Reciprocal Exchange and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Allstate and Noblr Reciprocal Exchange. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Allstate vs. Noblr Reciprocal Exchange FAQs

Is Allstate or Noblr Reciprocal Exchange cheaper?

Looking just at the national average premiums, Noblr Reciprocal Exchange is the more affordable of the two companies, offering average rates of $79 a month compared to $199 for Allstate. Even so, Noblr Reciprocal Exchange won't necessarily be the lowest carrier for everyone, since there are lots of different factors that come into play when it comes to your car insurance cost.

Who is better, Allstate or Noblr Reciprocal Exchange?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all boils down to your unique insurance profile.

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

Auto insurance carriers take a look at several different variables when determining the rates they charge policyholders. Factors like where you park your vehicle, gender, where you live, age, and sometimes even things like your credit score can all come into play. Both Allstate and Noblr Reciprocal Exchange calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be Allstate or Noblr Reciprocal Exchange at all!

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.