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

Quick Facts

• Looking at the national averages for auto insurance, Noblr Reciprocal Exchange offers significantly more affordable prices than Esurance
• Esurance offers more discounts than Noblr Reciprocal Exchange
• Noblr Reciprocal Exchange offers more affordable rates for policyholders who have a short commute

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

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You might have narrowed it down to Esurance or Noblr Reciprocal Exchange as your top options, but which company has cheaper prices for car insurance?

As you can see, Esurance has average rates that are about 75% per month more expensive than those from Noblr Reciprocal Exchange when looking at the national average rates for insurance.

However, 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 age, your driving record, where you call home, or even your credit score (among other things), so premiums will change quite a bit from person to person.

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

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

Esurance and Noblr Reciprocal Exchange only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average prices. For Arizona residents, Noblr Reciprocal Exchange offers car insurance for $79 monthly on average. Esurance's average rates come out to be over 70% more expensive, at $192 a month.

That being said, there's a lot more that goes into your auto insurance payment than just where you call home. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any group out there on the road. Normally, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Noblr Reciprocal Exchange for their car insurance pay more than $450 less than those who use Esurance. It's worth noting that Esurance offers insurance in 11 different states compared to Noblr Reciprocal Exchange's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Esurance policyholders lower nearly $500 and Noblr Reciprocal Exchange's rates decrease 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 premiums out there.

But who has the best prices for retired drivers between Esurance and Noblr Reciprocal Exchange? Noblr Reciprocal Exchange gets the edge, with premiums for drivers 65 and older almost 80% less expensive than the national average for Esurance.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are generally more affordable for married couples than they are for those who are single? That's typically because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Noblr Reciprocal Exchange is the clear winner for single drivers, with prices about $258 a month cheaper than Esurance, on average. For married policyholders, the advantage is clear again - Noblr Reciprocal Exchange has the edge when it comes to average premiums.

Esurance vs. Noblr Reciprocal Exchange: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to insurance men will usually end up paying a little more.

Typically, women see rates around 7% per month less with Esurance, while with Noblr Reciprocal Exchange, the difference is closer to 5% a month.

Looking at overall affordability, Noblr Reciprocal Exchange offers the cheapest average prices for both men and women. On average, male drivers save about $228 per month and women save about $211 with Noblr Reciprocal Exchange compared to the average Esurance policyholder.

Esurance 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.

For most people, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum liability insurance, Noblr Reciprocal Exchange normally offers significantly less expensive rates of $46 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Noblr Reciprocal Exchange again has the edge, with policies around $300 a month cheaper than Esurance, on average.

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

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

It's no secret secret that at-fault accidents and tickets lead to higher prices, but which company -- Esurance or Noblr Reciprocal Exchange -- has the most affordable premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Esurance policyholders can expect their prices to go up an average of $45 per month if they get a ticket, while Noblr Reciprocal Exchange generally raises rates about $14 a month, on average.

Even so, Noblr Reciprocal Exchange has more affordable prices for drivers in both categories -- their rates are around 74% less expensive for drivers with clean records and 73% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Esurance can expect to see around an $122 -- or about 34% -- increase in their insurance premiums. Drivers who use Noblr Reciprocal Exchange for their car insurance will see a monthly bill around $26 (or 29%) more expensive after reporting an accident to their insurance carrier.

Overall, Noblr Reciprocal Exchange offers the lowest rates for drivers with an at-fault accident on their records, with monthly prices averaging $90 compared to Esurance's $364.

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 a collision. For example, Esurance increases average premiums by just under $60 per month -- that's just under a 20% increase.

Noblr Reciprocal Exchange has the overall cheapest rates for drivers with a DUI on their records at $83 per month, but it's worth noting that Esurance's average rates come from 11 states compared to just one for Noblr Reciprocal Exchange, so the data may be skewed slightly.

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

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly auto insurance premiums. This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it might come into play for quite a few drivers.

The reasoning car insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

Looking specifically at Esurance and Noblr Reciprocal Exchange, which carrier has the most affordable rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Noblr Reciprocal Exchange. Policyholders with "excellent" credit can save over 75% compared to Esurance, and those with "good" scores can also expect to see savings -- about $215 or 81% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange typically offers lower prices than Esurance when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $204 a month less with Noblr Reciprocal Exchange compared to Esurance, and those with "poor" scores generally save an average of about $310 a month.

Is Esurance 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 how much insurance companies will charge for coverage. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into an accident and cause 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 Esurance, with policyholders who drive the least paying around $1 less each month compared to those who drive 12,000 miles every year. Still, Noblr Reciprocal Exchange is the less expensive option for drivers in both categories.

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

Where your home is can have a substantial impact on your monthly auto insurance bill. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of cars that are on the roads in those areas.

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

In urban areas, Noblr Reciprocal Exchange's average rates are about 76% less than Esurance. Drivers in suburban ZIP codes pay around 76% less with Noblr Reciprocal Exchange compared to Esurance. If you live in a rural area, you can expect to save about 67% with Noblr Reciprocal Exchange compared to Esurance.

Esurance vs. Noblr Reciprocal Exchange Discounts

Regardless of 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 possible. That's where auto insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the table below, we've compared all of the different discounts offered by Esurance and Noblr Reciprocal Exchange so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Esurance blows Noblr Reciprocal Exchange away when it comes to the sheer amount of discounts available, offering 24 different discounts to Noblr Reciprocal Exchange's eight.

A couple of those are overlapping for things like education discounts, discounts for being a good driver, and discounts for insuring multiple cars with the same company. Esurance 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 and continuous insurance discounts.

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

So, you've seen how different factors can affect your insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right one for you, your vehicle, and your wallet?

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

• You have a clean record.
• Your credit score is high.
• You don't spend much time in your car.

Esurance might be best for you if...

• You're thinking about moving to another state -- Noblr Reciprocal Exchange only offers policies in Arizona.
• You're looking for the carrier with the most discounts.

We hope this guide has ben a valuable resource as you compare Esurance 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 best 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 Esurance and Noblr Reciprocal Exchange. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Esurance vs. Noblr Reciprocal Exchange FAQs

Is Esurance or Noblr Reciprocal Exchange cheaper?

Looking just at the national average rates, Noblr Reciprocal Exchange is the more affordable of the two carriers, offering average rates of $79 per month compared to $299 for Esurance. But Noblr Reciprocal Exchange won't necessarily be the cheapest company for each policyholder, since there are multiple different variables that come into play when it comes to your car insurance cost.

Who is better, Esurance or Noblr Reciprocal Exchange?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for every driver -- it all depends on the makeup of your unique insurance profile.

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

Car insurance companies take a look at a lot of different factors when calculating the prices they charge drivers. Things such as where you live, where you park your vehicle, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Esurance and Noblr Reciprocal Exchange calculate premiums differently, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Esurance 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 does all the hard work for you. 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 rate. And who knows, the best company for you might not be Esurance 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.