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

You've probably seen ads offering big savings on insurance, but are GEICO or Noblr Reciprocal Exchange right for you? Which company offers the most affordable prices, or the most discounts? Read on to see how GEICO and Noblr Reciprocal Exchange compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Noblr Reciprocal Exchange offers significantly less expensive rates than GEICO
  • GEICO offers more discounts than Noblr Reciprocal Exchange
  • Noblr Reciprocal Exchange tends to be a much more affordable option for drivers who have an at-fault accident on their record


GEICO vs. 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 big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to GEICO or Noblr Reciprocal Exchange for your next policy, but between the two, which one will offer you cheaper premiums?

GEICO Noblr Reciprocal Exchange
$185$79

Looking at nationwide averages, GEICO is quite a bit more expensive than Noblr Reciprocal Exchange, with prices averaging $185 per month compared to just $79 with Noblr Reciprocal Exchange.

Even so, that doesn't necessarily mean Noblr Reciprocal Exchange will be the less expensive option for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

Wanting to know if GEICO 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.

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

State GEICO Noblr Reciprocal Exchange
AZ$131$79

GEICO 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 a month on average. GEICO's average premiums come out to be over 60% more expensive, at $131 monthly.

There's a lot more that goes into your insurance payment than just the state you live in. Keep reading to learn more.


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Which is the Best Company For Young Drivers?

GEICO Noblr Reciprocal Exchange
18-year-old drivers$369$252
25-year-old drivers$163$53

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

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Noblr Reciprocal Exchange over GEICO. It's worth noting that GEICO offers insurance in 50 different states compared to Noblr Reciprocal Exchange's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both carriers will reduce prices by the time drivers turn 25. For example, average rates for GEICO policyholders lower over 55% and Noblr Reciprocal Exchange's premiums drop nearly 80% over that time.

Which is the Best Company for Retired Drivers?

GEICO Noblr Reciprocal Exchange
65+-year-old drivers$148$48

Once you approach retirement age, you'll generally enjoy the lowest auto insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

But who has the best premiums for retired drivers between GEICO and Noblr Reciprocal Exchange? Noblr Reciprocal Exchange gets the edge, with rates for drivers 65 and older almost 70% cheaper than the national average for GEICO.

Which is the Best Company for Married Drivers?

GEICO Noblr Reciprocal Exchange
Single$208$103
Married$154$47

Did you know that car insurance prices are normally more expensive for those who are single than they are for married policyholders? That's because policies for married couples usually cover more than one car, which many companies will offer you a discount for.

When it comes to relationship status, Noblr Reciprocal Exchange is the clear winner for single policyholders, with premiums about $105 per month more affordable than GEICO, on average. For married drivers, the advantage is clear again - Noblr Reciprocal Exchange has the edge when it comes to average rates.

GEICO vs. Noblr Reciprocal Exchange: Average Rates by Gender

GEICO Noblr Reciprocal Exchange
Male$189$81
Female$181$77

Men tend to pay more for insurance than women. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

On average, men see premiums nearly $10 a month higher with GEICO, and around $4 with Noblr Reciprocal Exchange.

Looking at overall affordability, Noblr Reciprocal Exchange comes out as the cheapest option for both genders. On average, women save about $104 per month and men save about $108 with Noblr Reciprocal Exchange compared to the average GEICO policyholder.


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

GEICO Noblr Reciprocal Exchange
State Minimum*$101$46
Full Coverage**$269$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.

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

The two most common 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 includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Noblr Reciprocal Exchange normally offers significantly less expensive prices of $46 compared to GEICO's $101. When it comes to full coverage policies with similar limits, Noblr Reciprocal Exchange again has the edge, with policies around $150 a month cheaper than GEICO, on average.

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

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

Tickets and at-fault accidents will most likely raise your prices, but is GEICO or Noblr Reciprocal Exchange more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO Noblr Reciprocal Exchange
Clean Record$115$64
1 Speeding Ticket$150$78

GEICO policyholders can expect their premiums to go up an average of $35 per month if they get a ticket, while Noblr Reciprocal Exchange generally raises rates about $14 a month, on average.

However, Noblr Reciprocal Exchange has less expensive prices for drivers in both categories. Drivers with a clean record can save around $51 per month and drivers with a speeding ticket can save about $72 a month with Noblr Reciprocal Exchange.

Which Company is Best for Drivers After an Accident?

GEICO Noblr Reciprocal Exchange
Clean Record$115$64
1 At-Fault Accident$200$90

GEICO drivers who get in a collision can expect to see their rates rise by $85, while those who have insurance through Noblr Reciprocal Exchange will see around a $25 increase.

Overall, drivers who use Noblr Reciprocal Exchange end up with the cheaper prices after an accident, with monthly premiums averaging $90 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

GEICO Noblr Reciprocal Exchange
Clean Record$115$64
1 DUI$275$83

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, GEICO increases average prices by over $150 per month -- that's just under a 60% increase.

Noblr Reciprocal Exchange has the overall most affordable premiums for drivers with a DUI on their records at $83 per month, but it's worth noting that GEICO's average rates come from 50 states compared to just one for Noblr Reciprocal Exchange, so the data may be skewed slightly.


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

In many cases, your credit score can come into play when companies calculate your monthly bill. 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 policyholders.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

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

Which Company is Best for Drivers with Good Credit?

GEICO Noblr Reciprocal Exchange
Excellent Credit Score$131$49
Good Credit Score$164$51

If you have a great credit score, you'll usually find a better deal with Noblr Reciprocal Exchange. Policyholders with "excellent" credit can save nearly 65% compared to GEICO, and those with "good" scores can also expect to see savings -- about $113 or 69% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

GEICO Noblr Reciprocal Exchange
Fair Credit Score$197$101
Poor Credit Score$253$114

Noblr Reciprocal Exchange typically offers lower prices than GEICO when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $96 a month less with Noblr Reciprocal Exchange compared to GEICO, and those with "poor" scores typically save an average of about $139 a month.


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

GEICO Noblr Reciprocal Exchange
6,000 Annual Miles$181$79
12,000 Annual Miles$189$79

Did you know that the amount of time you spend in your car have a large impact on your monthly rates? That's because the more miles you put on your vehicle, the more likely you are to get into a collision 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 GEICO, with policyholders who drive the least paying around $8 less each month compared to those who drive 12,000 miles every year. Still, Noblr Reciprocal Exchange is the cheaper option for drivers in both categories.

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

Where you park your car can play a big role in how much you pay for car insurance. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads in those areas.

GEICO Noblr Reciprocal Exchange
Urban Areas$211$97
Suburban Areas$185$70
Rural Areas$159$70

Noblr Reciprocal Exchange boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Noblr Reciprocal Exchange's average prices are about $97 per month compared to GEICO's $211. People in suburban areas pay a monthly premium of around $70 with Noblr Reciprocal Exchange compared to $185 with GEICO. Those in rural areas can expect to pay about $70 monthly with Noblr Reciprocal Exchange compared to GEICO's $159.

GEICO 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 auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

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

GEICO Noblr Reciprocal Exchange
ABS Discount 
Advantage Technology Discount 
Anti-Theft Discount 
Commercial Drivers License Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Deployed Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
Education Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Driving Discount
Good Student Discount 
Group Discount 
Homeowner Discount 
Mature Driver Discount 

GEICO knocks Noblr Reciprocal Exchange out of the park when it comes to the sheer number of discounts available, offering 20 more discounts than Noblr Reciprocal Exchange.

Both companies offer quite a few 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 GEICO also offers ABS discounts, anti-theft discounts, commercial drivers license 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.


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

You've seen the effect certain factors have on your insurance and the different discounts carriers offer. But, at the end of the day, which insurance carrier is the right company for you, your vehicle, and your wallet?

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

  • You're looking for the best rates in AZ.
  • You're worried about the impact your credit score will have on your premiums.
  • You're married and plan to have both of your names on the vehicle's auto insurance policy.


GEICO might be best for you if...

  • You are considering moving to another state -- Noblr Reciprocal Exchange is only available to Arizona residents.
  • You're looking for discounts -- GEICO has the most.

We hope this guide has ben a valuable resource as you compare GEICO 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.

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 companies, not just GEICO and Noblr Reciprocal Exchange. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.


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GEICO vs. Noblr Reciprocal Exchange FAQs

Is GEICO or Noblr Reciprocal Exchange cheaper?

Looking just at the national average rates, Noblr Reciprocal Exchange is the less expensive of the two companies, offering average rates of $79 a month compared to $185 for GEICO. But Noblr Reciprocal Exchange won't necessarily be the most affordable company for each driver, since there are lots of different variables that are considered when it comes to your auto insurance bill.

Who is better, GEICO or Noblr Reciprocal Exchange?

Sadly, the answer truly is "it depends.". No single carrier is "better" for everyone -- it all depends on the makeup of your unique insurance profile.

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

Car insurance carriers take a look at quite a few different factors when calculating the prices they charge drivers. Variables such as where your home is, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both GEICO and Noblr Reciprocal Exchange calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if GEICO 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 several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. 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 rate. And who knows, the best company for you might not be GEICO 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.

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