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

If you're in the market for a new insurance policy, you might be wondering how Progressive and Noblr Reciprocal Exchange compare when it comes to the cheapest prices and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for auto insurance, Noblr Reciprocal Exchange offers significantly more affordable rates than Progressive
  • Noblr Reciprocal Exchange has cheaper premiums for drivers who have received a ticket within the last few years
  • Progressive offers more discounts than Noblr Reciprocal Exchange


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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Noblr Reciprocal Exchange or Progressive, but which one will offer you less expensive prices?

Noblr Reciprocal Exchange Progressive
$79$180

Looking at the national average rates for both companies, Progressive is quite a bit more expensive than Noblr Reciprocal Exchange, with premiums averaging $180 per month compared to just $79 with Noblr Reciprocal Exchange.

But Noblr Reciprocal Exchange may not be the most affordable or best option for each driver out there. Car insurance carriers use all sorts of complex algorithms to calculate rates, so depending on how clean your driving record is or where you live (among lots of other factors), you could see wildly different prices from the ones above.

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

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

State Noblr Reciprocal Exchange Progressive
AZ$79$169

Noblr Reciprocal Exchange and Progressive only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average rates. For Arizona residents, undefined offers insurance for undefined a month on average. undefined's average premiums come out to be more expensive, at undefined per month.

That being said, there are plenty of other factors that go into your auto insurance cost than just your home state. Read on to learn more.


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Which is the Best Company For Young Drivers?

Noblr Reciprocal Exchange Progressive
18-year-old drivers$252$451
25-year-old drivers$53$142

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. The reason is that 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 nearly $200 a month compared to those who use Progressive.

That being said, with both companies, you'll see your prices drop significantly by the time drivers turn 25. Progressive offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Noblr Reciprocal Exchange still has the lowest premiums at $53 monthly.

Which is the Best Company for Retired Drivers?

Noblr Reciprocal Exchange Progressive
65+-year-old drivers$48$131

Drivers around retirement age normally enjoy some of the most affordable auto insurance rates out there. After all, they've likely been driving for quite some time, which usually reduces their chances of accidents and other infractions that can increase prices.

When looking at Noblr Reciprocal Exchange and Progressive specifically, which carrier is best for retired drivers? Noblr Reciprocal Exchange gets the edge here, with average premiums coming in at about $48 a month compared to Progressive's $131.

Which is the Best Company for Married Drivers?

Noblr Reciprocal Exchange Progressive
Single$103$221
Married$47$126

Did you know that car insurance rates are generally more expensive for single drivers than they are for married couples? That's because policies for married drivers typically cover several cars, which many 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 around $118 per month more affordable than Progressive, on average. The advantage for married policyholders with Noblr Reciprocal Exchange is also obvious, where drivers save almost 65% a month.

Noblr Reciprocal Exchange vs. Progressive: Average Rates by Gender

Noblr Reciprocal Exchange Progressive
Male$81$183
Female$77$178

Did you know women tend to pay less for insurance than men? This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher rates.

With Noblr Reciprocal Exchange, men normally pay about $4 per month more than women, and around $5 with Progressive.

Looking at the data for each company specifically, Noblr Reciprocal Exchange comes out as the lowest option for both genders, with average premiums 56% less for men and 57% cheaper for women.


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

Noblr Reciprocal Exchange Progressive
State Minimum*$46$111
Full Coverage**$112$250

*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, auto insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability insurance, Noblr Reciprocal Exchange generally offers significantly cheaper prices of $46 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Noblr Reciprocal Exchange again has the edge, with policies about $150 a month less expensive than Progressive, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and collisions on your record, but which of these two companies offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Noblr Reciprocal Exchange Progressive
Clean Record$64$149
1 Speeding Ticket$78$180

Noblr Reciprocal Exchange policyholders can expect their prices to go up an average of $14 per month if they get a ticket, while Progressive usually raises premiums around $31 a month, on average.

However, Noblr Reciprocal Exchange has cheaper prices for drivers in both categories. Drivers with a clean record can save about $85 per month and drivers with a speeding ticket can save around $102 a month with Noblr Reciprocal Exchange.

Which Company is Best for Drivers After an Accident?

Noblr Reciprocal Exchange Progressive
Clean Record$64$149
1 At-Fault Accident$90$214

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Progressive raising by $65. Noblr Reciprocal Exchange has a less extreme rise, but you can still expect to pay over $25 more than you were prior to your first collision.

Overall, the more affordable rates come from Noblr Reciprocal Exchange, with monthly premiums averaging $90 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

Noblr Reciprocal Exchange Progressive
Clean Record$64$149
1 DUI$83$177

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, Progressive increases average rates by just under $30 per month -- that's over a 15% increase.


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

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

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

Looking specifically at Noblr Reciprocal Exchange and Progressive, which company has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Noblr Reciprocal Exchange Progressive
Excellent Credit Score$49$136
Good Credit Score$51$157

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange Progressive
Fair Credit Score$101$181
Poor Credit Score$114$247

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

Noblr Reciprocal Exchange Progressive
6,000 Annual Miles$79$180
12,000 Annual Miles$79$180

Did you know that the amount of time you spend in your car have a large impact on how much insurance carriers will charge for coverage? Generally, the more miles you put on your vehicle, the more you can expect to pay for car insurance.

In this case, neither Noblr Reciprocal Exchange or Progressive report increasing prices for drivers with higher annual mileage figures. Still, 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 rates of $79 a month for both.

Noblr Reciprocal Exchange vs. Progressive: 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 big impact as well. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

Noblr Reciprocal Exchange Progressive
Urban Areas$97$207
Suburban Areas$70$179
Rural Areas$70$154

When comparing these two companies side-by-side, Noblr Reciprocal Exchange usually comes out as the lowest option 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 about $84 with Noblr Reciprocal Exchange compared to Progressive. Drivers in suburban ZIP codes pay around $109 less with Noblr Reciprocal Exchange compared to Progressive. In urban areas, Noblr Reciprocal Exchange's average premiums are about $110 less than Progressive.

Noblr Reciprocal Exchange vs. Progressive 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.

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

In the table below, we've taken a look at all of the different discounts Noblr Reciprocal Exchange and Progressive offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Noblr Reciprocal Exchange Progressive
ABS Discount 
Advance Quote Discount 
Advanced Safety Feature Discount 
Advantage Technology Discount 
Agency Transfer Discount 
Anti-Theft Discount 
Continuous Insurance Discount
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount 
DRL Discount 
E-Signature Discount 
Education Discount
EFT Discount 
Good Driving Discount
Good Student Discount 
Group Discount 
Homeowner Discount
Loyal Customer Discount 
Mature Driver Discount 

Progressive knocks Noblr Reciprocal Exchange out of the park when it comes to the sheer number of discounts available, offering 34 different discounts to Noblr Reciprocal Exchange's 34.

A couple of those are overlapping for things like education discounts, discounts for being a homeowner, and discounts for insuring multiple cars with the same company. Progressive also offers ABS discounts, advance quote discounts, advanced safety feature discounts, and more that Noblr Reciprocal Exchange does not.

On the flip side, Noblr Reciprocal Exchange has a unique discount of its own -- a advantage technology discounts.


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

So, we've broken down the average prices for many of the factors car insurance carriers look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, is Noblr Reciprocal Exchange or Progressive the best carrier for you and your specific needs?

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

  • Your driving record contains an at-fault accident.
  • You have above-average credit.
  • You're buying insurance for a teen and looking for a wallet-friendly option.


Progressive might be best for you if...

  • You're thinking about moving to another state -- undefined only offers policies to residents.
  • You care about discounts (Progressive offers the most).

We hope this guide helps you get a better idea of the difference between Noblr Reciprocal Exchange and Progressive. We also hope we've given you the information you need to make the best decision about 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 multiple companies, not just Noblr Reciprocal Exchange and Progressive. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.


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Noblr Reciprocal Exchange vs. Progressive FAQs

Is Noblr Reciprocal Exchange or Progressive cheaper?

Looking just at the national average rates, Noblr Reciprocal Exchange is the less expensive of the two companies, offering average rates of $79 per month compared to $180 for Progressive. Even so, Noblr Reciprocal Exchange won't necessarily be the most affordable company for everyone, since there are lots of different variables that are considered when it comes to your car insurance payment.

Who is better, Noblr Reciprocal Exchange or Progressive?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for each driver -- it all comes down to what your unique auto insurance profile looks like.

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

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

How do I know if Noblr Reciprocal Exchange or Progressive is right for me?

The only way to find the 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 make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies 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 Noblr Reciprocal Exchange or Progressive 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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