Auto-owners vs. Noblr Reciprocal Exchange: Which Company is the Best Fit for You?

Quick Facts

• In general, Noblr Reciprocal Exchange offers significantly cheaper rates than Auto-owners
• Auto-owners offers more discounts than Noblr Reciprocal Exchange
• Noblr Reciprocal Exchange tends to be a much less expensive option for policyholders who live in the suburbs

Auto-owners 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 hefty discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Auto-owners or Noblr Reciprocal Exchange as your top options, but which carrier will offer you more affordable prices?

Looking at nationwide averages, Noblr Reciprocal Exchange has average rates that are about 55% per month less expensive than those from Auto-owners.

That being said, Noblr Reciprocal Exchange may not be the lowest or best option for each driver out there. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, where you call home, your age, or even your driving record (among other things), so rates could differ drastically from person to person.

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

Auto-owners or Noblr Reciprocal Exchange: Average Car Insurance Rates by State

Auto-owners 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 insurance for $79 a month on average. Auto-owners's average prices come out to be over 70% more expensive, at $198 per month.

That being said, there's a lot more that goes into your car insurance payment than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Noblr Reciprocal Exchange save nearly $150 a month compared to those who use Auto-owners. It's worth noting that Auto-owners offers insurance in 23 different states compared to Noblr Reciprocal Exchange's one, which can skew the average rates a bit, but the difference here is still considerable.

But both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for Auto-owners policyholders lower almost 60% and Noblr Reciprocal Exchange's prices drop nearly 80% 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 cheapest premiums you can find.

When looking at Auto-owners and Noblr Reciprocal Exchange specifically, which company is best for retired drivers? Noblr Reciprocal Exchange gets the edge, with rates for drivers 65 and older $85 more affordable than the national average for Auto-owners.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper car insurance premiums than single policyholders. That's typically because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Noblr Reciprocal Exchange is the clear winner for those who are single, with prices around $108 per month more affordable than Auto-owners, on average. The advantage for married couples with Noblr Reciprocal Exchange is also obvious, where drivers save about $90 a month.

Auto-owners vs. Noblr Reciprocal Exchange: Average Rates by Gender

Men usually pay more for insurance than women. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

Normally, men see prices around 6% per month higher with Auto-owners, and about 5% with Noblr Reciprocal Exchange.

Looking at the data for each carrier specifically, Noblr Reciprocal Exchange comes out as the most affordable option for both genders. On average, male drivers save about $104 a month and women save around $97 with Noblr Reciprocal Exchange compared to the average Auto-owners policyholder.

Auto-owners 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.

Car insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

Even so, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Noblr Reciprocal Exchange normally offers significantly less expensive premiums of $46 compared to Auto-owners's $99. When it comes to full coverage policies with similar limits, Noblr Reciprocal Exchange again has the edge, with policies about $150 per month cheaper than Auto-owners, on average.

Is Auto-owners or Noblr Reciprocal Exchange Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

At-fault collisions and tickets will most likely raise your premiums, but is Auto-owners or Noblr Reciprocal Exchange less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Auto-owners policyholders can expect their rates to go up an average of $44 a month if they get a ticket, while Noblr Reciprocal Exchange generally raises prices around $14 per month, on average.

However, Noblr Reciprocal Exchange tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering premiums that are $57 and $87 more affordable, respectively, compared to Auto-Owners Insurance.

Which Company is Best for Drivers After an Accident?

Auto-owners drivers who get in a collision can expect to see their rates rise by over $45, while those who have insurance through Noblr Reciprocal Exchange will see about a $25 increase.

Overall, Noblr Reciprocal Exchange offers the cheapest prices for drivers with an at-fault accident on their records, with monthly rates averaging $90 compared to Auto-Owners Insurance's $168.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than an accident or ticket. For example, Auto-owners increases average premiums by just under $150 a month -- that's just under a 55% increase.

Noblr Reciprocal Exchange has the overall lowest prices for drivers with a DUI on their records at $83 monthly, but it's worth noting that Auto-owners's average rates come from 23 states compared to just one for Noblr Reciprocal Exchange, so the data may be skewed slightly.

How does Credit Score Impact Auto-owners and Noblr Reciprocal Exchange Rates?

Did you know that many insurance carriers take into account your credit score when calculating rates? This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it will come into play for many policyholders.

The reasoning auto insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will typically be forced to pay more.

So, which company offers the most affordable premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Noblr Reciprocal Exchange. Drivers with "excellent" credit can save nearly 50% compared to Auto-owners, and those with "good" scores can also expect to see savings -- around $78 or 60% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange typically offers lower prices than Auto-owners when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $75 per month less with Noblr Reciprocal Exchange compared to Auto-owners, and those with "poor" scores usually save an average of around $203 a month.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly premiums. Typically, those who drive fewer miles will end up with more affordable rates 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 prices for Auto-owners, with drivers who put 6,000 miles on their vehicle each year paying about $1 less every month compared to those who drive 12,000 miles annually. Still, Noblr Reciprocal Exchange is the cheaper option for drivers in both categories.

Auto-owners vs. Noblr Reciprocal Exchange: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a large impact as well. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads in those areas.

Noblr Reciprocal Exchange tends to offer the most affordable rates 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 around 57% with Noblr Reciprocal Exchange compared to Auto-owners. Drivers in suburban ZIP codes pay about 59% less with Noblr Reciprocal Exchange compared to Auto-owners. In urban areas, Noblr Reciprocal Exchange's average prices are around 53% less than Auto-Owners Insurance.

Auto-owners vs. Noblr Reciprocal Exchange Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many insurance discounts as you can.

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

Below, we've compared all of the different discounts offered by Auto-owners and Noblr Reciprocal Exchange so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Auto-owners knocks Noblr Reciprocal Exchange out of the park when it comes to the sheer number of discounts available, offering 16 more discounts than Noblr Reciprocal Exchange.

There are a couple discounts both carriers offer, but Auto-owners also offers ABS discounts, advance quote discounts, anti-theft 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, and online quote discounts.

Final Thoughts: Is Auto-owners or Noblr Reciprocal Exchange Best for You?

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, is Auto-owners or Noblr Reciprocal Exchange the right fit for you?

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

• You're single and purchasing insurance by yourself.
• You want basic auto insurance coverage at the state minimum limits.
• You live in a rural area.

Auto-owners might be best for you if...

• You already have plans to move to another state -- Noblr Reciprocal Exchange only offers policies to Arizona residents.
• You care about discounts (Auto-owners offers the most).

We hope this guide has ben a valuable resource as you compare Auto-owners and Noblr Reciprocal Exchange. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of carriers, not just Auto-owners and Noblr Reciprocal Exchange. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Auto-owners vs. Noblr Reciprocal Exchange FAQs

Is Auto-owners or Noblr Reciprocal Exchange cheaper?

Looking just at the national average rates, Noblr Reciprocal Exchange is the less expensive of the two carriers, offering average rates of $79 a month compared to $179 for Auto-owners. That being said, Noblr Reciprocal Exchange won't necessarily be the lowest company for everyone, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Auto-owners or Noblr Reciprocal Exchange?

Sadly, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Auto-owners and Noblr Reciprocal Exchange offer me different rates?

Insurance companies take a look at quite a few different factors when determining the prices they charge policyholders. Variables like where you live, gender, where you park your vehicle, age, and sometimes even things like your credit score can all come into play. Both Auto-owners and Noblr Reciprocal Exchange calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Auto-owners or Noblr Reciprocal Exchange is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Auto-owners 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.