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

Quick Facts

• In general, Noblr Reciprocal Exchange offers significantly more affordable prices than Travelers
• Noblr Reciprocal Exchange offers more affordable premiums for residents of suburban areas
• Travelers may help you save more money -- they offer more discounts than Noblr Reciprocal Exchange

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

You might be considering Noblr Reciprocal Exchange or Travelers as your top options, but between the two, which one will offer you cheaper prices?

Looking at the national average rates for both carriers, Travelers is quite a bit more expensive than Noblr Reciprocal Exchange, with premiums averaging $167 a month compared to just $79 with Noblr Reciprocal Exchange.

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

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

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

Noblr Reciprocal Exchange and Travelers only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average rates. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their insurance.

That being said, there are plenty of other factors that go into your auto insurance cost than just your home state. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's generally 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 premiums, teen drivers can still find ways to save money. As you can see above, teens who use Noblr Reciprocal Exchange save over 30% a month compared to those who use Travelers.

But with both carriers, you'll see your prices decrease significantly once you turn 25. Travelers 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 cheapest premiums at $53 a month.

Which is the Best Company for Retired Drivers?

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

When looking at Noblr Reciprocal Exchange and Travelers specifically, which company is best for retired drivers? Noblr Reciprocal Exchange gets the edge, with premiums for drivers 65 and older almost 65% cheaper than the national average for Travelers.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married drivers than they are for single policyholders. That's because policies for married policyholders normally cover more than one vehicle, which lots of companies will give you a discount for.

For those who are single, the difference in average premiums between these two carriers is significant, with Noblr Reciprocal Exchange rates coming in at around half of Travelers's. The advantage for married couples with Noblr Reciprocal Exchange is also obvious, where drivers save more than 65% per month.

Noblr Reciprocal Exchange or Travelers: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll typically end up paying more for car insurance than women.

Women usually pay about $4 a month less than men with Noblr Reciprocal Exchange, but with Travelers, the difference is closer to $11 per month.

Looking at overall affordability, Noblr Reciprocal Exchange comes out as the lowest option for both genders, with average prices $91 less for men and $84 cheaper for women.

Noblr Reciprocal Exchange vs. Travelers: 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, insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, Noblr Reciprocal Exchange has the significant edge, with average monthly rates 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 around $112 a month to Travelers's $225.

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

It's no secret -- drivers with good records end up getting the best deals on their 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 speeding tickets and collisions on your record, but which of these two companies offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

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

That being said, Noblr Reciprocal Exchange is generally the more affordable option for drivers both with clean records and with a ticket -- their rates are around 50% less expensive for drivers with clean records and 51% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Travelers increasing by about 26%. 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, Noblr Reciprocal Exchange offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $90 compared to Travelers's $173.

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 speeding ticket or even an accident. Travelers drivers usually see a 38% climb in their car insurance rates after a DUI charge, while Noblr Reciprocal Exchange will usually increase prices by around 23%.

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

Often times, your credit score can be used as one of the factors to determine your monthly insurance rates. This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it might come into play for quite a few drivers.

The reasoning car insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will typically be forced to pay more.

Looking at Noblr Reciprocal Exchange and Travelers specifically, which company has the cheapest prices for drivers 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 Travelers Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly rates. Generally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Noblr Reciprocal Exchange charges. However, there's a small difference in monthly rates for Travelers, with drivers who put 6,000 miles on their vehicle annually paying about $5 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Noblr Reciprocal Exchange is the less expensive carrier.

Noblr Reciprocal Exchange or Travelers: 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 substantial impact as well. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, Noblr Reciprocal Exchange generally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Noblr Reciprocal Exchange's average prices are around 52% less than Travelers. People who live in suburban areas pay about 56% less with Noblr Reciprocal Exchange compared to Travelers. Those in rural areas can expect to save around 49% with Noblr Reciprocal Exchange compared to Travelers.

Noblr Reciprocal Exchange vs. Travelers 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 utilizing as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Noblr Reciprocal Exchange and Travelers offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Travelers knocks Noblr Reciprocal Exchange out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to Noblr Reciprocal Exchange's 25.

There are a couple discounts both companies offer, but Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

On the other hand, Noblr Reciprocal Exchange has a few proprietary discounts of their own for things like advantage technology discounts, education discounts, homeowner discounts, and more.

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

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the best company for you and your specific driver profile?

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

• You've been pulled over for speeding recently.
• You want the most robust protection via a "full coverage" policy.
• You have a short commute.

Travelers might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Noblr Reciprocal Exchange and Travelers and that you can now make a more informed decision when it comes to your 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 companies, not just Noblr Reciprocal Exchange and Travelers. 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 carriers in your area, all in just a few minutes.

Noblr Reciprocal Exchange vs. Travelers FAQs

Is Noblr Reciprocal Exchange or Travelers cheaper?

Noblr Reciprocal Exchange is the cheaper of the two companies when looking at national average premiums, with policies averaging $79 per month with Noblr Reciprocal Exchange and $167 for Travelers. However, that doesn't mean Noblr Reciprocal Exchange will be the cheapest company for each driver, since there are many different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Noblr Reciprocal Exchange or Travelers?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for every policyholder -- it all comes down to what your unique insurance profile looks like.

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

Auto insurance carriers use several different variables when determining the rates they charge. Things such as where you park your vehicle, where your home is, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Noblr Reciprocal Exchange and Travelers calculate prices using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car 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. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Noblr Reciprocal Exchange or Travelers 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.