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

How do Noblr Reciprocal Exchange and Root compare when it comes to car insurance prices and discounts? If you want to find out which carrier has the best rates for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for insurance, Root offers cheaper premiums than Noblr Reciprocal Exchange
  • Noblr Reciprocal Exchange offers more affordable rates for policyholders who are looking to purchase insurance with a spouse
  • Root offers more affordable average premiums for drivers with a DUI


Noblr Reciprocal Exchange or Root: 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 pretty big savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Noblr Reciprocal Exchange or Root as potential options, but between the two, which one will save you the most?

Noblr Reciprocal Exchange Root
$79$65

As you can see, Noblr Reciprocal Exchange has average rates that are around 18% a month more expensive than those from Root when looking at the national average rates for auto insurance.

But Root may not be the lowest or best option for every driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so prices could differ drastically from person to person.

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

Noblr Reciprocal Exchange vs. Root: Average Car Insurance Rates by State

State Noblr Reciprocal Exchange Root
AZ$79$65

Both Noblr Reciprocal Exchange and Root only offer car insurance in Arizona, so you'll see that the average figures here will mirror the ones we mentioned above. Root drivers tend to pay about $14 per month less on average compared to drivers who use Noblr Reciprocal Exchange for their auto insurance.

Typically, where you live will play a big role in how much you pay for car insurance, but since both companies only do business in Arizona, a wide array of other variables will come into play when you compare Noblr Reciprocal Exchange and Root. Read on to find out more.


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Which is the Best Company For Young Drivers?

Noblr Reciprocal Exchange Root
18-year-old drivers$252$136
25-year-old drivers$53$52

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. It's typically because teen 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use Root save over 45% a month compared to those who use Noblr Reciprocal Exchange.

Even so, both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for Noblr Reciprocal Exchange policyholders reduce about $200 and Root's premiums lower almost $85 over that time.

Which is the Best Company for Retired Drivers?

Noblr Reciprocal Exchange Root
65+-year-old drivers$48$57

Once you approach retirement age, you'll usually enjoy the most affordable insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

But who has the best rates for retired drivers between Noblr Reciprocal Exchange and Root? Noblr Reciprocal Exchange gets the edge, with premiums for drivers 65 and older more than 15% less expensive than the national average for Root.

Which is the Best Company for Married Drivers?

Noblr Reciprocal Exchange Root
Single$103$76
Married$47$50

Did you know that insurance prices are generally more expensive for those who are single than they are for married policyholders? This usually boils down to married couples having more than one vehicle on their policy -- something several car insurance carriers will reward with discounts.

For single drivers, the difference in average premiums between these two companies is significant, with Root rates coming in at a quarter less than Noblr Reciprocal Exchange's. But for married drivers, that advantage is much less clear - Noblr Reciprocal Exchange offers the cheapest average prices , but the difference is less than $5.

Noblr Reciprocal Exchange or Root: Average Rates by Gender

Noblr Reciprocal Exchange Root
Male$81$66
Female$77$64

Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. So, women usually pay less for insurance than men.

Women generally pay around $4 per month less than men with Noblr Reciprocal Exchange, and about $2 less with Root.

Looking at overall affordability, Root comes out as the lowest option for both genders. On average, women save about $13 a month and men save around $15 with Root compared to the average Noblr Reciprocal Exchange policyholder.


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

Noblr Reciprocal Exchange Root
State Minimum*$46$46
Full Coverage**$112$84

*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. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

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

When it comes to state minimum limits for liability insurance, Noblr Reciprocal Exchange has the edge, while Root offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $0 with Noblr Reciprocal Exchange, while full coverage comes out to be about $30 more affordable with Root Insurance.

Is Noblr Reciprocal Exchange or Root 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 speeding tickets and at-fault collisions lead to higher rates, but which carrier -- Noblr Reciprocal Exchange or Root -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Noblr Reciprocal Exchange Root
Clean Record$64$57
1 Speeding Ticket$78$67

Drivers who use Noblr Reciprocal Exchange for their insurance can typically expect their monthly bill to go up around 18% after getting a speeding ticket. Root policyholders can expect a less drastic increase of about 15%.

However, Root is normally the less expensive option for drivers both with clean records and with a ticket -- their rates are around 11% cheaper for drivers with clean records and 14% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Noblr Reciprocal Exchange Root
Clean Record$64$57
1 At-Fault Accident$90$79

After an accident, drivers who have their car insurance through Noblr Reciprocal Exchange can expect to see around an $26 -- or about 29% -- rise in their auto insurance prices. Drivers who use Root for their insurance will see a monthly bill around $22 (or 28%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, Root offers the cheapest rates for drivers with an at-fault collision on their records, with average premiums coming in at $79 compared to Noblr Reciprocal Exchange's $90.

Which Company is Best for Drivers with a DUI?

Noblr Reciprocal Exchange Root
Clean Record$64$57
1 DUI$83$57

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than a collision or speeding ticket. For example, Noblr Reciprocal Exchange increases average rates by nearly $20 per month -- that's nearly a 25% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Root tends to be more affordable for the average driver, with monthly premiums coming in at about $57 to Noblr Reciprocal Exchange's $83.


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

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it does affect quite a few policyholders out there.

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

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

Which Company is Best for Drivers with Good Credit?

Noblr Reciprocal Exchange Root
Excellent Credit Score$49$54
Good Credit Score$51$60

If you have great credit, Noblr Reciprocal Exchange will typically reward you the most. For policyholders with "excellent" credit scores, Noblr Reciprocal Exchange comes in just under NaN cheaper. Drivers with "good" credit scores normally save around 15% with Noblr Reciprocal Exchange compared to average premiums from Root.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange Root
Fair Credit Score$101$66
Poor Credit Score$114$79

Root typically offers lower prices than Noblr Reciprocal Exchange when it comes to drivers with bad credit. Drivers with "fair" credit pay about 35% a month less with Root compared to Noblr Reciprocal Exchange, and those with "poor" scores generally save an average of around 31% a month.


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

Noblr Reciprocal Exchange Root
6,000 Annual Miles$79$65
12,000 Annual Miles$79$65

How much you drive can have a considerable impact on how much auto insurance carriers will charge for coverage. Usually, those who drive less will end up with less expensive rates since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Noblr Reciprocal Exchange or Root report increasing prices for drivers with higher annual mileage figures. Still, Root comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average premiums of $65 per month for both.

Noblr Reciprocal Exchange or Root: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for car insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Noblr Reciprocal Exchange Root
Urban Areas$97$77
Suburban Areas$70$60
Rural Areas$70$58

When comparing these two companies side-by-side, Root typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Root Insurance's average premiums are about $20 less than Noblr Reciprocal Exchange. People who live in suburban areas pay around $10 less with Root compared to Noblr Reciprocal Exchange. Those in rural areas can expect to save about $12 with Root compared to Noblr Reciprocal Exchange.

Noblr Reciprocal Exchange vs. Root Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Noblr Reciprocal Exchange and Root offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Noblr Reciprocal Exchange Root
Advantage Technology Discount 
Auto-Steer Discount 
Continuous Insurance Discount 
Education Discount 
Good Driving Discount
Homeowner Discount
Multi-Car Discount 
Multi-Policy Discount 
Online Quote Discount 
Paid In Full Discount 
Paperless Discount 

Overall, Noblr Reciprocal Exchange has advantage when it comes to total number of discounts. Root offers a grand total of five discounts, while Noblr Reciprocal Exchange has eight.

A couple of those are overlapping for things like discounts for being a good driver and discounts for being a homeowner. Noblr Reciprocal Exchange also offers discounts for advantage technology, continuous insurance, education, and more.

On the other hand, Root has a few proprietary discounts of their own for things like auto-steer discounts, paid in full discounts, and paperless discounts.


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

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which carrier is the right company for you, your vehicle, and your wallet?

Root might be best for you if....

  • You have a clean driving record, free of accidents, tickets, or DUIs.
  • You have an at-fault accident on your record.
  • You live in a rural neighborhood.


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

  • You want to save extra money with discounts.
  • You're of retirement age and want to take advantage of lower premiums.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

Hopefully, this guide helps you get a better idea of the difference between Noblr Reciprocal Exchange and Root and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Noblr Reciprocal Exchange and Root. 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 carriers in your area, all in just a few minutes.


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Noblr Reciprocal Exchange vs. Root FAQs

Is Noblr Reciprocal Exchange or Root cheaper?

Root is the cheaper of the two companies when looking at national average prices, with policies averaging $65 a month with Root and $79 for Noblr Reciprocal Exchange. That being said, that doesn't mean Root will be the most affordable company for everyone, since there are a variety of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Noblr Reciprocal Exchange or Root?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, Noblr Reciprocal Exchange is more affordable for drivers with excellent credit, while Root offers less expensive premiums for drivers with a recent DUI.

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

Car insurance carriers use lots of different factors when determining the prices they charge. Variables like where you park your vehicle, where you call home, age, gender, and sometimes even things like your credit score can all be used. Both Noblr Reciprocal Exchange and Root calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple 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 auto insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Noblr Reciprocal Exchange or Root 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.

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