At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Quick Facts
- In general, Noblr Reciprocal Exchange offers significantly less expensive prices than General Casualty
- General Casualty may help you save more money -- they offer more discounts than Noblr Reciprocal Exchange
- Noblr Reciprocal Exchange tends to be a much more affordable option for policyholders who live in rural neighborhoods
In This Article:
General Casualty or Noblr Reciprocal Exchange: Which Company has the Cheapest Car Insurance?
So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.
You've maybe even narrowed it down to General Casualty or Noblr Reciprocal Exchange, but which carrier will offer you cheaper rates?
General Casualty | Noblr Reciprocal Exchange |
---|---|
$139 | $79 |
Looking at the national average rates for both carriers, General Casualty has average rates that are around 45% a month more expensive than those from Noblr Reciprocal Exchange.
That being said, that doesn't necessarily mean Noblr Reciprocal Exchange will be the less expensive option for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things). So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.
Luckily, we've broken down average prices from both General Casualty and Noblr Reciprocal Exchange by a bunch of different rate factors, so read on to find out which company is the best for you.
General Casualty vs. Noblr Reciprocal Exchange: Average Car Insurance Rates by State
State | General Casualty | Noblr Reciprocal Exchange |
---|---|---|
AZ | $152 | $79 |
General Casualty and Noblr Reciprocal Exchange only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average rates. Noblr Reciprocal Exchange drivers tend to pay about $73 per month less on average compared to drivers who use General Casualty for their auto insurance.
But there's more to calculating insurance premiums than just where you call home. Read on to learn more.
Find your best rate in just a few minutes
Which is the Best Company For Young Drivers?
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
18-year-old drivers | $266 | $252 |
25-year-old drivers | $114 | $53 |
Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.
Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Noblr Reciprocal Exchange save almost 5% a month compared to those who use General Casualty.
However, both carriers will decrease prices by the time drivers turn 25. For example, average rates for General Casualty policyholders drop over 55% and Noblr Reciprocal Exchange's prices lower nearly 80% over that time.
Which is the Best Company for Retired Drivers?
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
65+-year-old drivers | $124 | $48 |
Once you approach retirement age, you'll typically enjoy the lowest insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.
But who has the best premiums for retired drivers between General Casualty and Noblr Reciprocal Exchange? Noblr Reciprocal Exchange gets the edge here, with average rates coming in at about $48 a month compared to General Casualty's $124.
Which is the Best Company for Married Drivers?
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
Single | $161 | $103 |
Married | $110 | $47 |
Did you know that auto insurance premiums are usually more affordable for married policyholders than they are for single drivers? That's because policies for married couples generally cover several vehicles, which quite a few companies will give you a discount for.
For single policyholders, the difference in average prices between these two carriers is significant, with Noblr Reciprocal Exchange rates coming in at a third less than General Casualty's. The advantage for married drivers with Noblr Reciprocal Exchange is also obvious, where drivers save more than 55% per month.
General Casualty or Noblr Reciprocal Exchange: Average Rates by Gender
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
Male | $146 | $81 |
Female | $132 | $77 |
Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will usually end up paying a little more.
With General Casualty, women typically pay around $15 a month less than men, but with Noblr Reciprocal Exchange, the difference is closer to $4 per month.
When it comes to the cheapest prices for each gender, Noblr Reciprocal Exchange comes out as the most affordable option for both genders. On average, male drivers save about $65 a month and women save about $55 with Noblr Reciprocal Exchange compared to the average General Casualty policyholder.
Find your best rate in just a few minutes
General Casualty vs. Noblr Reciprocal Exchange: Compare State Minimum vs. Full Coverage Rates
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
State Minimum* | $82 | $46 |
Full Coverage** | $195 | $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.
It's no secret that insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.
But most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).
Looking specifically at state minimum liability insurance, Noblr Reciprocal Exchange has the significant edge, with average monthly rates 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 around $112 per month to General Casualty's $195.
Is General Casualty 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 car insurance. But that's not to say you can't save money if you don't have the best driving record, either.
It's no secret secret that collisions and speeding tickets lead to higher premiums, but which carrier -- General Casualty or Noblr Reciprocal Exchange -- has the lowest prices for drivers with less-than-perfect records?
Which Company is Best for Drivers with Speeding Tickets?
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
Clean Record | $90 | $64 |
1 Speeding Ticket | $133 | $78 |
Policyholders who use General Casualty for their insurance can normally expect their monthly bill to go up about 32% after getting a speeding ticket. Noblr Reciprocal Exchange policyholders can expect a less drastic increase of around 18%.
However, Noblr Reciprocal Exchange has cheaper premiums for drivers in both categories, offering rates that are $26 and $55 less expensive, respectively, compared to General Casualty.
Which Company is Best for Drivers After an Accident?
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
Clean Record | $90 | $64 |
1 At-Fault Accident | $146 | $90 |
After an accident, drivers who have their auto insurance through General Casualty can expect to see about an $56 -- or around 38% -- rise in their insurance prices. Drivers who use Noblr Reciprocal Exchange for their auto insurance will see a monthly bill about $26 (or 29%) more expensive after reporting an accident to their car insurance company.
At the end of the day, Noblr Reciprocal Exchange offers the cheapest premiums for drivers with an at-fault collision on their records, with average rates coming in at $90 compared to General Casualty's $146.
Which Company is Best for Drivers with a DUI?
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
Clean Record | $90 | $64 |
1 DUI | $186 | $83 |
If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, General Casualty will raise your prices around 52% after a DUI, while Noblr Reciprocal Exchange's average premiums 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 about $83 to General Casualty's $186.
Find your best rate in just a few minutes
How does Credit Score Impact General Casualty and Noblr Reciprocal Exchange Rates?
In many cases, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for a lot of drivers.
The reasoning auto insurance carriers use is that policyholders 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 generally be forced to pay more.
Looking specifically at Noblr Reciprocal Exchange and General Casualty, which one has the best premiums for drivers at different credit levels?
Which Company is Best for Drivers with Good Credit?
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
Excellent Credit Score | $103 | $49 |
Good Credit Score | $118 | $51 |
If you have a great credit score, Noblr Reciprocal Exchange will usually reward you the most. For policyholders with "excellent" credit scores, Noblr Reciprocal Exchange comes in more than 52.43 cheaper. Drivers with "good" credit scores normally save around 57% with Noblr Reciprocal Exchange compared to average rates from General Casualty.
Which Company is Best for Drivers with Bad Credit?
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
Fair Credit Score | $139 | $101 |
Poor Credit Score | $195 | $114 |
Noblr Reciprocal Exchange typically offers lower premiums than General Casualty when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 27% a month less with Noblr Reciprocal Exchange compared to General Casualty, and those with "poor" scores typically save an average of around 42% monthly.
Find your best rate in just a few minutes
Is General Casualty or Noblr Reciprocal Exchange Better for Drivers who Work from Home or Have Short Commutes?
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
6,000 Annual Miles | $139 | $79 |
12,000 Annual Miles | $139 | $79 |
How much you drive can have a big impact on how much insurance companies will charge for coverage. That's because the more milage you put on your car, the more likely you are to be in an accident and file an insurance claim.
In this case, neither General Casualty or Noblr Reciprocal Exchange report increasing prices for drivers with higher annual mileage figures. Even so, Noblr Reciprocal Exchange comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle every year, with average rates of $79 per month for both.
General Casualty or 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 sizable impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads where they live.
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
Urban Areas | $151 | $97 |
Suburban Areas | $134 | $70 |
Rural Areas | $131 | $70 |
Noblr Reciprocal Exchange tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.
Those in rural areas can expect to save about 47% with Noblr Reciprocal Exchange compared to General Casualty. People who live in suburban areas pay around 48% less with Noblr Reciprocal Exchange compared to General Casualty. For drivers in urban ZIP codes, Noblr Reciprocal Exchange's average premiums are about 36% less than General Casualty.
General Casualty vs. Noblr Reciprocal Exchange Discounts
You want to save as much money as you can, right? 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 broke down all of the different discounts offered by both General Casualty and Noblr Reciprocal Exchange so that you can see which company can save you the most money each month.
General Casualty | Noblr Reciprocal Exchange | |
---|---|---|
Advance Quote Discount | ✔ | |
Advantage Technology Discount | ✔ | |
Anti-Theft Discount | ✔ | |
Continuous Insurance Discount | ✔ | |
Defensive Driver Discount | ✔ | |
Distant Student Discount | ✔ | |
Education Discount | ✔ | |
Employee Discount | ✔ | |
Good Driving Discount | ✔ | ✔ |
Good Student Discount | ✔ | |
Homeowner Discount | ✔ | |
Multi-Car Discount | ✔ | |
Multi-Policy Discount | ✔ | ✔ |
New Vehicle Discount | ✔ | |
Occupation Discount | ✔ | |
Online Quote Discount | ✔ | |
Paid In Full Discount | ✔ | |
Passive Restraint Discount | ✔ |
Overall, General Casualty has the advantage when it comes to total number of discounts. Noblr Reciprocal Exchange offers a grand total of eight discounts, while General Casualty has 12.
Both carriers offer quite a few of the same discounts -- like discounts for being a good driver and multi-policy discounts -- but General Casualty also offers discounts for advance quote, anti-theft, defensive driver, 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.
Find your best rate in just a few minutes
Final Thoughts: Is General Casualty or Noblr Reciprocal Exchange Best for You?
So, you've seen how different variables can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the right carrier for you and your specific needs?
Noblr Reciprocal Exchange might be best for you if....
- Your driving record includes a DUI charge.
- You're looking for the best prices on liability only coverage.
- You don't spend much time in your car.
General Casualty might be best for you if...
- You care about discounts (General Casualty offers the most).
Hopefully, this guide helps you get a good idea of the differences between General Casualty 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 auto 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 several companies, not just General Casualty and Noblr Reciprocal Exchange. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.
Find your best rate in just a few minutes
General Casualty vs. Noblr Reciprocal Exchange FAQs
Is General Casualty or Noblr Reciprocal Exchange cheaper?
Noblr Reciprocal Exchange is the less expensive of the two companies when looking at national average rates, with policies averaging $79 a month with Noblr Reciprocal Exchange and $139 for General Casualty. That being said, that doesn't mean Noblr Reciprocal Exchange will be the lowest carrier for each driver, since there are multiple different factors that come into play when it comes to your car insurance cost.
Who is better, General Casualty or Noblr Reciprocal Exchange?
Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for every policyholder -- it all depends on what your unique insurance profile looks like.
Why do General Casualty and Noblr Reciprocal Exchange offer me different rates?
Auto insurance carriers use several different variables when determining the prices they charge. Things such as gender, your driving record, where you live, age, and sometimes even things like your credit score can all be used. Both General Casualty and Noblr Reciprocal Exchange calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.
How do I know if General Casualty 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 a handful of carriers 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 area information and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't General Casualty 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.
About Compare.com
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
Find your best rate in just a few minutes