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

Quick Facts

• Based on national averages for auto insurance, Noblr Reciprocal Exchange offers significantly less expensive premiums than The General
• Noblr Reciprocal Exchange may help you save more money -- they offer more discounts than The General
• Noblr Reciprocal Exchange has more affordable rates for policyholders who live in rural neighborhoods

Noblr Reciprocal Exchange or The General: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering hefty 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 The General as your top options, but between the two, which carrier will save you the most?

Looking at the national average rates for both carriers, Noblr Reciprocal Exchange has average rates that are around 65% a month cheaper than those from The General.

That being said, that doesn't mean Noblr Reciprocal Exchange will necessarily be less expensive than The General for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your credit score, where you call home, or even your driving record (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

Wanting to know if Noblr Reciprocal Exchange or The General is really the right carrier 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. The General: Average Car Insurance Rates by State

Noblr Reciprocal Exchange and The General only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average prices. Noblr Reciprocal Exchange drivers tend to pay about $156 per month less on average compared to drivers who use The General for their car insurance.

That being said, there's a lot more that goes into your insurance bill than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Noblr Reciprocal Exchange for their auto insurance pay almost 45% less than those who use The General.

However, both carriers will offer you dramatically lower rates by the time drivers turn 25. The General offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Noblr Reciprocal Exchange still has the cheapest prices at $53 per month.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Noblr Reciprocal Exchange gets the edge, with prices for drivers 65 and older over 75% more affordable than the national average for The General.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper insurance premiums than single drivers. This usually boils down to married couples having more than one vehicle on their policy -- something several auto insurance companies will reward with discounts.

For single policyholders, the difference in average prices between these two carriers is significant, with Noblr Reciprocal Exchange rates coming in at about a third of The General's. The advantage for married drivers with Noblr Reciprocal Exchange is also obvious, where drivers save more than 75% a month.

Noblr Reciprocal Exchange or The General: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they are less likely to file a claim with insurance. So, insurance companies will tend to offer women more affordable premiums.

With Noblr Reciprocal Exchange, women usually pay around 5% per month less than men, but with The General, the difference is closer to 12% a month.

When it comes to the most affordable prices for each gender, Noblr Reciprocal Exchange comes out on top for both men and women, with average rates $176 less for men and $148 cheaper for women.

Noblr Reciprocal Exchange vs. The General: 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.

For most people, car insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different limits and terms that it can be hard to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage 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 what you get with liability coverage).

Looking specifically at state minimum liability limits, Noblr Reciprocal Exchange has the significant edge, with average monthly premiums coming in at $46. If you want a full coverage policy with the same state minimum limits, Noblr Reciprocal Exchange again has the edge, with policies averaging about $112 per month to The General's $329.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two carriers offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Noblr Reciprocal Exchange for their car insurance can normally expect their monthly bill to go up around 18% after getting a speeding ticket. The General policyholders can expect a bit more drastic of an increase of about 20%.

However, Noblr Reciprocal Exchange has less expensive premiums for drivers in both categories -- their rates are around 67% more affordable for drivers with clean records and 68% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with The General climbing by around 31%. Noblr Reciprocal Exchange has a less extreme increase, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, the more affordable rates come from Noblr Reciprocal Exchange, with average premiums coming in at $90 compared to The General's $279.

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. The General drivers usually see a 24% climb in their insurance prices after a DUI charge, while Noblr Reciprocal Exchange will generally raise rates by about 23%.

But if you end up with a DUI charge and are looking for more affordable prices, Noblr Reciprocal Exchange tends to be cheaper for the average driver, with monthly premiums coming in at around $83 to The General's $254.

How does Credit Score Impact Noblr Reciprocal Exchange and The General Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it might come into play for lots of drivers.

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

Looking specifically at The General and Noblr Reciprocal Exchange, which one has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Noblr Reciprocal Exchange will normally reward you the most. For policyholders with "excellent" credit scores, Noblr Reciprocal Exchange comes in more than 72.16 cheaper. Drivers with "good" credit scores typically save about 76% with Noblr Reciprocal Exchange compared to average prices from The General.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange typically offers lower rates than The General when it comes to drivers with bad credit. Drivers with "fair" credit pay around 59% a month less with Noblr Reciprocal Exchange compared to The General, and those with "poor" scores usually save an average of about 65% monthly.

Is Noblr Reciprocal Exchange or The General 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 big impact on your monthly prices? Normally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of causing a collision and filing an insurance claim.

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

Noblr Reciprocal Exchange or The General: 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 considerable impact as well. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer vehicles on the roads where they live.

Noblr Reciprocal Exchange tends to offer the most affordable premiums 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 around $213 less than The General. People who live in suburban areas pay about $155 less with Noblr Reciprocal Exchange compared to The General. Those in rural areas can expect to save around $119 with Noblr Reciprocal Exchange compared to The General.

Noblr Reciprocal Exchange vs. The General Discounts

No matter 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 you can. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of 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 The General 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.

Overall, Noblr Reciprocal Exchange has a slight advantage when it comes to total number of discounts. The General offers a grand total of six discounts, while Noblr Reciprocal Exchange has eight.

There are a couple discounts both carriers offer, but Noblr Reciprocal Exchange also offers discounts for advantage technology, continuous insurance, education, and more.

On the other hand, The General has a few proprietary discounts of their own for things like defensive driver discounts, group discounts, liability only discounts, and more.

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

So, you've seen how different variables can affect your car insurance prices. We've shown you all the discounts each company offers, too. But, at the end of the day, which insurance carrier is the right fit for you?

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

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You live in an suburban area.
• You have a short drive to work everyday.

The General might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Noblr Reciprocal Exchange and The General and that you can now make a more informed decision when it comes to your auto 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 car insurance -- comparing quotes from a handful of companies, not just Noblr Reciprocal Exchange and The General. Luckily, Compare.com makes 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.

Noblr Reciprocal Exchange vs. The General FAQs

Is Noblr Reciprocal Exchange or The General cheaper?

Noblr Reciprocal Exchange is the cheaper of the two companies when looking at national average premiums, with policies averaging $79 a month with Noblr Reciprocal Exchange and $241 for The General. That being said, that doesn't mean Noblr Reciprocal Exchange will be the cheapest company for everyone, since there are a bunch of different factors that are considered when it comes to your auto insurance payment.

Who is better, Noblr Reciprocal Exchange or The General?

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

Why do Noblr Reciprocal Exchange and The General offer me different rates?

Car insurance carriers use quite a few different variables when calculating the prices they charge. Factors such as your driving record, where you call home, gender, age, and sometimes even things like your credit score can all be used. Both Noblr Reciprocal Exchange and The General calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the auto 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 information once and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't Noblr Reciprocal Exchange or The General 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.