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

Quick Facts

• Based on national averages for car insurance, Noblr Reciprocal Exchange offers significantly less expensive premiums than Safeway
• Noblr Reciprocal Exchange has cheaper prices for residents of rural areas
• Safeway offers more discounts than Noblr Reciprocal Exchange

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Noblr Reciprocal Exchange or Safeway as potential options, but between the two, which company will save you the most?

Looking at the national average rates for both companies, Safeway has average rates that are about 60% per month more expensive than those from Noblr Reciprocal Exchange.

Even so, that doesn't necessarily mean Noblr Reciprocal Exchange will be the more affordable option for every single driver. Insurance carriers vary their premiums depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and a ton of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

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

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

But there's more to calculating car insurance prices than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group 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.

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use Noblr Reciprocal Exchange save more than $200 a month compared to those who use Safeway.

That being said, both companies will lower rates by the time drivers turn 25. Safeway 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 most affordable premiums at $53 a month.

Which is the Best Company for Retired Drivers?

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

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

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are usually cheaper for married policyholders than they are for single policyholders? That's because policies for married couples generally cover multiple 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 drivers, with prices around $132 per month more affordable than Safeway, on average. The advantage for married drivers with Noblr Reciprocal Exchange is also obvious, where drivers save over 65% a month.

Noblr Reciprocal Exchange vs. Safeway: Average Rates by Gender

You may not know, but auto insurance is normally more expensive for men than for women. This is because women are less likely to get into accidents and get tickets, which decreases the chances of an insurance claim.

Typically, women see premiums about $4 per month cheaper with Noblr Reciprocal Exchange, while with Safeway, the difference is closer to $18 a month.

Looking at overall affordability, Noblr Reciprocal Exchange comes out as the lowest option for both genders, with average prices $122 less for men and $108 cheaper for women.

Noblr Reciprocal Exchange or Safeway: 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.

Insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different limits and coverages 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 provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Noblr Reciprocal Exchange usually offers significantly more affordable rates of $46 compared to Safeway's $130. When it comes to full coverage policies with similar limits, Noblr Reciprocal Exchange again has the edge, with policies around $150 per month less expensive than Safeway, on average.

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

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

Accidents and tickets will most likely raise your premiums, but is Noblr Reciprocal Exchange or Safeway cheaper for drivers with spotty 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 Safeway typically raises premiums about $7 per month, on average.

That being said, Noblr Reciprocal Exchange is generally the less expensive option for drivers both with a speeding ticket and with a clean record -- their rates are around 61% more affordable for drivers with clean records and 54% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Noblr Reciprocal Exchange drivers who get in a collision can expect to see their rates climb by over $25, while those who have insurance through Safeway will see around a $60 increase.

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 Safeway Insurance's $223.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than an accident or ticket. On average, Safeway will climb your rates about 26% after a DUI, while Noblr Reciprocal Exchange's average prices increase by just under 25%.

If you have a DUI on your record and are looking for more affordable rates, Noblr Reciprocal Exchange tends to be the much less expensive option with average premiums of $83 monthly compared to $220 from Safeway.

How does Credit Score Impact Noblr Reciprocal Exchange and Safeway 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 several policyholders.

The reasoning car insurance companies use is that drivers 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 usually be forced to pay more.

Looking specifically at Safeway and Noblr Reciprocal Exchange, which one has the lowest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a large impact on your monthly prices? Normally, the more miles you drive, the more you can expect to pay for insurance.

In this case, neither Noblr Reciprocal Exchange or Safeway report increasing rates 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 premiums of $79 a month for both.

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

Where you park your vehicle can have a substantial impact on your monthly car insurance bill. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the roads in those areas.

Noblr Reciprocal Exchange tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Noblr Reciprocal Exchange's average premiums are around $97 while Safeway offers rates about $234. People in suburban areas pay a monthly rate of around $70 with Noblr Reciprocal Exchange compared to $201 with Safeway. If you live in a rural area, you can expect to pay about $70 a month with Noblr Reciprocal Exchange and $146 with Safeway.

Noblr Reciprocal Exchange vs. Safeway Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of 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 Safeway offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Safeway comes out ahead with 11 discounts to Noblr Reciprocal Exchange's eight.

A couple of those are overlapping for things like discounts for being a homeowner and discounts for insuring multiple cars with the same company. Safeway also offers agency transfer discounts, defensive driver discounts, full coverage 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 Safeway Best for You?

So, you've seen how different factors can affect your insurance prices. 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 best company for you and your specific needs?

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

• You have a DUI charge on your record.
• Your credit score is high.
• You drive fewer than 12,000 miles annually.

Safeway might be best for you if...

• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Noblr Reciprocal Exchange and Safeway. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of carriers, not just Noblr Reciprocal Exchange and Safeway. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Noblr Reciprocal Exchange vs. Safeway FAQs

Is Noblr Reciprocal Exchange or Safeway cheaper?

Looking just at the national average rates, Noblr Reciprocal Exchange is the more affordable of the two carriers, offering average rates of $79 per month compared to $194 for Safeway. However, Noblr Reciprocal Exchange won't necessarily be the lowest carrier for everyone, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Noblr Reciprocal Exchange or Safeway?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for every driver -- it all depends on the makeup of your unique auto insurance profile.

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

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

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

The only way to find the car insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Noblr Reciprocal Exchange or Safeway 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.