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

So, you're in the market for a new auto insurance policy. You may have even narrowed down your search to Metromile and Noblr Reciprocal Exchange. But which of these two companies is the best one for you? Read on to find which company has the best premiums and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for insurance, Noblr Reciprocal Exchange offers significantly less expensive rates than Metromile
  • Noblr Reciprocal Exchange tends to be a much more affordable option for residents of rural areas
  • Noblr Reciprocal Exchange has cheaper prices for drivers who have less-than-stellar credit


Metromile 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 have narrowed your search down to Metromile or Noblr Reciprocal Exchange as potential options, but which one will offer you less expensive rates?

Metromile Noblr Reciprocal Exchange
$150$79

Looking at the national average rates for both companies, Metromile is quite a bit more expensive than Noblr Reciprocal Exchange, with prices averaging $150 per month compared to just $79 with Noblr Reciprocal Exchange.

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

So, if you want to find out which of Metromile or Noblr Reciprocal Exchange is really the best for you, keep reading to see average prices for each company broken down by a bunch of different rate factors.

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

State Metromile Noblr Reciprocal Exchange
AZ$150$79

Both Metromile and Noblr Reciprocal Exchange only offer auto insurance in Arizona, so you'll see that the average figures here will mirror the ones we mentioned above. For Arizona residents, Noblr Reciprocal Exchange offers insurance for $79 monthly on average. Metromile's average premiums come out to be over 70% more expensive, at $150 a month.

Typically, the state you live in will play a big role in how much you pay for auto insurance, but since both companies only do business in Arizona, an array of other factors will come into play when you compare Metromile and Noblr Reciprocal Exchange. Continue reading to learn more about how other variables will affect your rates.


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Which is the Best Company For Young Drivers?

Metromile Noblr Reciprocal Exchange
18-year-old drivers$323$252
25-year-old drivers$121$53

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

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Noblr Reciprocal Exchange save more than $70 a month compared to those who use Metromile.

Even so, both companies will offer you dramatically lower prices once you turn 25. For example, average premiums for Metromile policyholders reduce over $200 and Noblr Reciprocal Exchange's rates drop nearly $200 over that time.

Which is the Best Company for Retired Drivers?

Metromile Noblr Reciprocal Exchange
65+-year-old drivers$129$48

When it comes to 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 Metromile and Noblr Reciprocal Exchange? Noblr Reciprocal Exchange gets the edge, with premiums for drivers 65 and older $81 cheaper than the national average for Metromile.

Which is the Best Company for Married Drivers?

Metromile Noblr Reciprocal Exchange
Single$174$103
Married$118$47

Single drivers tend to get offered slightly more expensive car insurance rates than married policyholders. That's because policies for married couples typically cover more than one car, which a lot of carriers will offer you a discount for.

When it comes to relationship status, Noblr Reciprocal Exchange is the clear winner for single policyholders, with prices about $71 per month less expensive than Metromile, on average. The advantage is also clear for married drivers - Noblr Reciprocal Exchange offers the lowest average premiums.

Metromile vs. Noblr Reciprocal Exchange: Average Rates by Gender

Metromile Noblr Reciprocal Exchange
Male$148$81
Female$152$77

Did you know women tend to pay less for insurance than men? This is because women are less likely to get tickets and get into collisions, which lowers the chances of an insurance claim.

Surprisingly, men generally pay around 3% less a month than women with Metromile, while with Noblr Reciprocal Exchange, the difference is closer to 5% per month.

Looking at overall affordability, Noblr Reciprocal Exchange comes out as the cheapest option for both genders. On average, women save about $75 a month and men save about $67 with Noblr Reciprocal Exchange compared to the average Metromile policyholder.


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

Metromile Noblr Reciprocal Exchange
State Minimum*$99$46
Full Coverage**$201$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 auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy.

However, most 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, alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Noblr Reciprocal Exchange normally offers significantly cheaper prices of $46 compared to Metromile's $99. When it comes to full coverage policies with similar limits, Noblr Reciprocal Exchange again has the edge, with policies around $90 per month more affordable than Metromile, on average.

Is Metromile 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.

Tickets and at-fault accidents will most likely raise your premiums, but is Metromile or Noblr Reciprocal Exchange cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Metromile Noblr Reciprocal Exchange
Clean Record$115$64
1 Speeding Ticket$148$78

Metromile policyholders can expect their prices to go up an average of $33 a month if they get a ticket, while Noblr Reciprocal Exchange usually raises premiums about $14 per month, on average.

That being said, Noblr Reciprocal Exchange has less expensive rates for drivers in both categories, offering prices that are 44% and 47% more affordable, respectively, compared to Metromile.

Which Company is Best for Drivers After an Accident?

Metromile Noblr Reciprocal Exchange
Clean Record$115$64
1 At-Fault Accident$171$90

Metromile drivers who get in a collision can expect to see their rates climb by over $55, 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 Metromile's $171.

Which Company is Best for Drivers with a DUI?

Metromile Noblr Reciprocal Exchange
Clean Record$115$64
1 DUI$167$83

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than an accident or speeding ticket. Metromile drivers usually see a 31% climb in their insurance prices after a DUI charge, while Noblr Reciprocal Exchange will generally raise rates by about 23%.

If you have a DUI on your record and are looking for more affordable premiums, Noblr Reciprocal Exchange tends to be the much less expensive option with average rates of $83 per month compared to $167 from Metromile.


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

Did you know that many auto insurance carriers take your credit score into account when calculating premiums? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for several policyholders.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

Metromile Noblr Reciprocal Exchange
Excellent Credit Score$118$49
Good Credit Score$137$51

If you have solid credit, you'll usually find a better deal with Noblr Reciprocal Exchange. Drivers with "excellent" credit can save just under 60% compared to Metromile, and those with "good" scores can also expect to see savings -- around $86 or 63% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Metromile Noblr Reciprocal Exchange
Fair Credit Score$156$101
Poor Credit Score$189$114

Noblr Reciprocal Exchange typically offers lower rates than Metromile when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $55 a month less with Noblr Reciprocal Exchange compared to Metromile, and those with "poor" scores usually save an average of around $75 monthly.


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

Metromile Noblr Reciprocal Exchange
6,000 Annual Miles$150$79
12,000 Annual Miles$150$79

How much you drive can have a large impact on your monthly insurance cost. Generally, the more miles you drive, the more you can expect to pay for car insurance.

In this case, neither Metromile or Noblr Reciprocal Exchange report increasing premiums for drivers with higher annual mileage figures. Noblr Reciprocal Exchange comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $79 per month for both.

Metromile 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 auto insurance, but the type of area you live in can have a sizable impact as well. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of vehicles that are on the roads in those areas.

Metromile Noblr Reciprocal Exchange
Urban Areas$209$97
Suburban Areas$121$70
Rural Areas$120$70

Noblr Reciprocal Exchange tends to offer the most affordable prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Noblr Reciprocal Exchange's average rates are about $97 a month compared to Metromile's $209. People in suburban areas pay a monthly price of around $70 with Noblr Reciprocal Exchange compared to $121 with Metromile. If you live in a rural area, you can expect to pay about $70 a month with Noblr Reciprocal Exchange compared to Metromile's $120.

Metromile 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 insurance discounts comes into play.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've broken down all of the different discounts offered by both Metromile 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.

Metromile Noblr Reciprocal Exchange
Advantage Technology Discount 
Continuous Insurance Discount 
Education Discount 
Good Driving Discount
Homeowner Discount 
Multi-Car Discount 
Multi-Policy Discount
Online Quote Discount
Paperless Discount 

Looking at the total number of discounts, Noblr Reciprocal Exchange has the advantage when it comes to total number of discounts. Metromile offers a grand total of four discounts, while Noblr Reciprocal Exchange has eight.

There are a couple discounts both companies offer, but Noblr Reciprocal Exchange also offers advantage technology discounts, continuous insurance discounts, education discounts, and more that Metromile does not.

On the flip side, Metromile has a unique discount of its own -- a paperless discounts.


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

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, which insurance company is the best company for you and your specific needs?

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

  • You're single and purchasing insurance by yourself.
  • You want to save extra money with discounts.
  • You drive fewer than 6,000 miles annually.


Metromile might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between Metromile 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 auto insurance policy is to compare quotes from several companies, not just Metromile 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 insurance carriers in your area, all in just a few minutes.


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Metromile vs. Noblr Reciprocal Exchange FAQs

Is Metromile or Noblr Reciprocal Exchange cheaper?

Looking just at the national average prices, Noblr Reciprocal Exchange is the more affordable of the two companies, offering average rates of $79 per month compared to $150 for Metromile. But Noblr Reciprocal Exchange won't necessarily be the cheapest carrier for everyone, since there are several different variables that are considered when it comes to your auto insurance bill.

Who is better, Metromile or Noblr Reciprocal Exchange?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

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

Insurance carriers take a look at quite a few different factors when determining the premiums they charge policyholders. Variables such as gender, age, where your home is, your driving record, and sometimes even things like your credit score can all be used. Both Metromile and Noblr Reciprocal Exchange calculate prices using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Metromile 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 does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be Metromile 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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