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

Quick Facts

• Based on national averages for auto insurance, Noblr Reciprocal Exchange offers significantly more affordable premiums than Safe Auto
• Noblr Reciprocal Exchange offers less expensive average prices for drivers who have less-than-stellar credit
• Safe Auto offers more discounts than Noblr Reciprocal Exchange

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Noblr Reciprocal Exchange or Safe Auto, but between the two, which carrier will save you the most?

Looking at the national average rates for both companies, Safe Auto has average rates that are about 65% per month more expensive than those from Noblr Reciprocal Exchange.

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

Wanting to know if Noblr Reciprocal Exchange or Safe Auto 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 or Safe Auto: Average Car Insurance Rates by State

Noblr Reciprocal Exchange and Safe Auto only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average rates. For Arizona residents, Noblr Reciprocal Exchange offers insurance for $79 monthly on average. Safe Auto's average premiums come out to be over 70% more expensive, at $172 per month.

That being said, there's a lot more that goes into your car insurance payment than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use Noblr Reciprocal Exchange save nearly $200 a month compared to those who use Safe Auto. It's worth noting that Safe Auto offers car insurance in 13 different states compared to Noblr Reciprocal Exchange's one, which can skew the average rates a bit, but the difference here is still considerable.

However, both companies will reduce premiums once you turn 25. Safe Auto offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Noblr Reciprocal Exchange still has the most affordable prices at $53 a month.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever find.

But who has the best premiums for retired drivers between Noblr Reciprocal Exchange and Safe Auto? Noblr Reciprocal Exchange gets the edge, with prices for drivers 65 and older almost 75% more affordable than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance premiums than married couples. This usually boils down to married policyholders having several cars on their policy -- something lots of auto insurance carriers will reward with discounts.

When it comes to relationship status, Noblr Reciprocal Exchange is the clear winner for those who are single, with prices around $156 per month less expensive than Safe Auto, on average. The advantage is also clear for married drivers - Noblr Reciprocal Exchange offers the cheapest average rates.

Noblr Reciprocal Exchange vs. Safe Auto: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will typically end up paying a little more.

Usually, women see premiums about $4 a month cheaper with Noblr Reciprocal Exchange, and more than $15 cheaper with Safe Auto when compared to their male counterparts.

When it comes to the most affordable prices for each gender, Noblr Reciprocal Exchange comes out as the lowest option for both genders, with average rates 65% less for men and 64% cheaper for women.

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

*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.

Car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

That being said, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum liability limits, Noblr Reciprocal Exchange generally offers significantly more affordable prices of $46 compared to Safe Auto's $126. When it comes to full coverage policies with similar limits, Noblr Reciprocal Exchange again has the edge, with policies around $200 per month less expensive than Safe Auto, on average.

Is Noblr Reciprocal Exchange or Safe Auto 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.

It's no secret secret that tickets and accidents lead to higher premiums, but which carrier -- Noblr Reciprocal Exchange or Safe Auto -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Noblr Reciprocal Exchange policyholders can expect their prices to go up an average of $14 a month if they get a ticket, while Safe Auto normally raises premiums about $40 per month, on average.

But Noblr Reciprocal Exchange is generally the more affordable option for drivers both with clean records and with a speeding ticket -- their rates are around 64% less expensive for drivers with clean records and 65% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Noblr Reciprocal Exchange can expect to see around an $26 -- or about 29% -- increase in their auto insurance rates. Drivers who use Safe Auto for their insurance will see a monthly bill around $66 (or 27%) more expensive after reporting a collision to their auto insurance company.

Overall, Noblr Reciprocal Exchange offers the most affordable prices for drivers with an at-fault accident on their records, with monthly premiums averaging $90 compared to Safe Auto's $246.

Which Company is Best for Drivers with a DUI?

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, Safe Auto increases average rates by $65 a month -- that's over a 25% increase.

Noblr Reciprocal Exchange has the overall lowest prices for drivers with a DUI on their records at $83 per month, but it's worth noting that Safe Auto's average rates come from 13 states compared to just one for Noblr Reciprocal Exchange, so the data may be skewed slightly.

How does Credit Score Impact Noblr Reciprocal Exchange and Safe Auto Rates?

Did you know that many insurance companies take your credit score into account when calculating premiums? This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it will come into play for many drivers.

The reasoning car 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 rates, while those with poor credit will normally be forced to pay more.

So, which carrier offers the cheapest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Noblr Reciprocal Exchange. Policyholders with "excellent" credit can save just under 75% compared to Safe Auto, and those with "good" scores can also expect to see savings -- about $171 or 77% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange typically offers lower premiums than Safe Auto when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $129 per month less with Noblr Reciprocal Exchange compared to Safe Auto, and those with "poor" scores usually save an average of about $138 a month.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

In this case, neither Noblr Reciprocal Exchange or Safe Auto report increasing prices for drivers with higher annual mileage figures. Noblr Reciprocal Exchange comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $79 a month for both.

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

Where you park your car can have a pretty big impact on your monthly auto insurance cost. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer vehicles on the roads in those areas.

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

If you live in a rural area, you can expect to save around $127 with Noblr Reciprocal Exchange compared to Safe Auto. Drivers in suburban ZIP codes pay about $130 less with Noblr Reciprocal Exchange compared to Safe Auto. In urban areas, Noblr Reciprocal Exchange's average premiums are around $174 less than Safe Auto.

Noblr Reciprocal Exchange vs. Safe Auto Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you can take advantage of.

In the section below, we've taken a look at all of the different discounts Noblr Reciprocal Exchange and Safe Auto offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Safe Auto blows Noblr Reciprocal Exchange away when it comes to the sheer amount of discounts available, offering 14 different discounts to Noblr Reciprocal Exchange's eight.

Both companies offer a lot of the same discounts -- like discounts for being a homeowner and discounts for insuring multiple cars with the same company -- but Safe Auto also offers agency transfer discounts, anti-theft discounts, claim free 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.

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

So, you've seen how different variables can affect your insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right company for you and your specific needs?

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

• You have a DUI charge on your record.
• You have less-than-stellar credit.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Safe Auto might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Noblr Reciprocal Exchange and Safe Auto. We also hope we've given you the information you need to make the best decision about your 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 a handful of carriers, not just Noblr Reciprocal Exchange and Safe Auto. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Noblr Reciprocal Exchange vs. Safe Auto FAQs

Is Noblr Reciprocal Exchange or Safe Auto cheaper?

Looking just at the national average premiums, Noblr Reciprocal Exchange is the less expensive of the two carriers, offering average rates of $79 per month compared to $223 for Safe Auto. However, Noblr Reciprocal Exchange won't necessarily be the most affordable carrier for every policyholder, since there are many different factors that are considered when it comes to your insurance bill.

Who is better, Noblr Reciprocal Exchange or Safe Auto?

Sadly, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Noblr Reciprocal Exchange and Safe Auto offer me different rates?

Car insurance companies take a look at several different variables when determining the prices they charge drivers. Things such as your driving record, where your home is, gender, age, and sometimes even things like your credit score can all come into play. Both Noblr Reciprocal Exchange and Safe Auto calculate rates using different formulas, 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 carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple companies 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 area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be Noblr Reciprocal Exchange or Safe Auto 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.