# USAA Pay As You Drive by Noblr — by Noblr, a USAA Company > Usage-based car insurance that rewards safer, less driving with lower premiums. (iPhone/iPad app by Noblr.) - Source: https://appshunter.io/ios/app/usaa-pay-as-you-drive-by-noblr/id1445749903 (this page in markdown: same URL + `.md`) - Developer: [Noblr](https://appshunter.io/developer/1409413897) - Category: Finance, Lifestyle - Price: Free - Rating: 4.30/5 from 444 App Store ratings · 71 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 68 MB - Languages: American English - Released: 2019-01-24 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/usaa-pay-as-you-drive-by-noblr/id1445749903/reviews.md ## What is USAA Pay As You Drive by Noblr? Noblr is smart car insurance for smart drivers that can help you save money based on how and how much you drive. It's Smart The Noblr app turns your phone into your all-in-one insurance copilot, scoring your driving to help you make safer, better money-saving choices. We leverage the sensors and technology that are already active in your phone to save you money every time you drive. No mandatory 2-week trials. No dongles. The Noblr app measures your: - Smoothness: How hard you accelerate and brake - Focus: Not handling your phone while driving - Road Choice: Highway vs. city streets - Time of Day: When you drive - Mileage: How much you drive It’s Empowering Your Driver Scores are calculated trip-by-trip in the app. Better scores = better rates. Save money when you: - Drive less - Brake and accelerate mindfully - Don’t text and drive - Take the safest route - Avoid driving late at night PLUS Earn rewards when you: - Buy a policy today - Pay your full fixed premium - Renew your policy It's Easy View your insurance cards, manage your account, submit claims, contact our Member Concierge crew — the app does it all. Get started at: https://www.noblr.com/ Find us on social at: https://www.facebook.com/NOBLRinsurance/ https://www.instagram.com/noblr_insurance/ https://www.linkedin.com/company/noblr/ Disclaimer: Pay as you drive policies are issued by NOBLR Reciprocal Exchange, San Antonio, TX, a USAA company. To the extent permitted by law, participants are individually written, not all applicants may qualify. Coverages and savings availability varies by state. Eligibility rules apply. NAIC #16461 ## Key features - Usage-based insurance scoring - Tracks driving smoothness - Monitors phone distraction - Analyzes road and time of day - Rewards safe driving habits - Policy management and claims submission ## What do users think of USAA Pay As You Drive by Noblr? Overall sentiment: negative **Pros** - 🚀 Easy to navigate - 🚀 Convenient app - 💰 Great savings - 🚗 Tracks driving habits - 🤑 Pay-per-mile benefits **Cons** - 🐛 App keeps logging out - 🔴 Offline rate charges - 🤖 Inaccurate trip tracking - 💰 Unexplained rate increases - 🤔 Confusing billing practices **Commonly reported bugs** - App crashing when viewing history - Permissions issues causing offline mode - Inconsistent trip recording **Most requested features** - Ability to update payment info in-app - Option to adjust multiple trips at once - 24/7 customer support availability ## Recent user reviews (10 of 71) All indexed reviews: https://appshunter.io/ios/app/usaa-pay-as-you-drive-by-noblr/id1445749903/reviews.md ### 2/5 — Off-line Rates & App Automatically Shutting Down *2025-01-23* I never turn off the App, but today alone, I had to manually log in because the App wasn’t running in the background. I have the latest version so there is no update available. I’m also receiving multiple emails about the App being offline and a letter stating that so would be charge an offline rate if I didn’t leave the app running! This seems like a programming error that needs to be corrected more than punishing the paying customer. ### 5/5 — Satisfied Customer! *2025-01-21, version 2.8.1* II have been using the Noblr App for 4 months now and couldn’t be happier with the service. It tracks my trips perfectly and I am driving carefully, so my score is high. I think by being able to track my driving myself, it makes me a better driver. Thanks Noblr! ### 2/5 — Not too impressed with the math… *2025-01-07* USAA has always been a decent insurance company for me - since 1989. But i recently switched to NOBLR - the USAA variable drive policy. I was quoted $75 a month as a 6 month “fixed” rate, with a variable based on my driving applied above that at the end of each billing period. Sounds reasonable. Six months (fixed) at $75 a month is $450, you would assume based on 3rd grade math. But NOBLR charged $557, with a down payment of $185…THEN $75 a month for a 6 month policy. And when we do the 3rd grade level math it turns out NOBLR is actually charging $92 a month - NOT $75. This is called - in the legal and advertising world - “bait and switch.” I was quotes a much lower price and at the very last second was billed the higher rate. USAA is supposed to be affiliated with Our Military heroes, and not be dishonest, misleading, obfuscating, or unethical - and certainly not running a bait and switch, gaslighting, extra billing scheme. Beware - i complained - they ignored. So beware of the level of dishonesty you will be wrapped up in working with igNOBLR! ### 4/5 — Passcode vs Password *2024-12-19, version 2.8.1* I prefer to use the passcode. But sometimes the password becomes the required login, without my approval. That makes it difficult, because my password is not what I remember. ### 5/5 — Thanks Noblr *2024-12-18, version 2.8.1* Love the convenience of the app, customer service is top of the line, and the rates are reasonable! ### 1/5 — App Compatibility w/ IOS *2024-12-01, version 2.8.1* When you have your iPhone on low power mode, it automatically shuts off the “Background App Refresh;” which is needed to keep the Noblr app online. Seems redundant to even have a Noblr account if you can’t use a normal function on your phone to preserve it’s battery life. ### 1/5 — Extortionist company *2024-11-28, version 2.8.1* Every month they try to sneak in a $7.20 charge per driver claiming it’s an offline charge because your app went offline. ### 1/5 — Trash *2024-09-03, version 2.8.0* I live in an Army base and try my best to walk to work and the gym etc. to save money on gas and this company seemed like a good idea for about $80 base price + (X)Miles. After 6 months they raise the fixed rate to $100 + (X)Miles. This app will charge you for flying in a plane, being a passenger in an Uber or friends car, and riding in a tank out in the field in the middle of nowhere. It’s annoying and screws you for taking public transportation and by walking places. ### 5/5 — Moved and found outstanding auto insurance *2024-08-13* When I moved to Las Vegas my neighbors were telling me how extremely high their car insurance was. I had a little time left on my old auto insurance policy so I started to around for insurance. I remembered that USAA had mentioned insurance on home and auto…they moved me over to Nolbr and I am so glad they did. ### 1/5 — FIX THE “You’re Offline” ERROR!!! *2024-08-03, version 2.8.0* I am NEVER offline - ever. Permissions are accurate, yet I get this email often. FIX THIS!!! ## Frequently asked questions about USAA Pay As You Drive by Noblr ### How does this app help me save money on car insurance? The app uses your phone's sensors to measure how, when, and how much you drive. It analyzes factors like driving smoothness, focus (avoiding phone use), road choice, time of day, and mileage. Better driving scores based on these metrics can lead to lower insurance premiums. ### What driving behaviors does the app track? The app tracks your driving smoothness (acceleration and braking), focus (not handling your phone), road choice (highway vs. city), time of day you drive, and the total mileage you accumulate. These metrics are used to calculate your individual driver scores. ### Is this app free to use? The app itself is free to download and use. The cost of the insurance policy is determined by your driving behavior and other factors, and the app helps you potentially lower that cost through smart driving. ### What are the benefits of using this app for car insurance? The primary benefit is the potential to save money on car insurance by driving less and more safely. You also gain insights into your driving habits, can view insurance cards, manage your account, submit claims, and contact customer support directly through the app. ### How do I get started with this insurance? To get started, you can visit the provided website (https://www.noblr.com/) to learn more and potentially sign up for a policy. The app then acts as your insurance copilot once you have a policy. ## Version history (last 5 releases) ### 2.8.2 — 2025-08-09 Bug fixes and general improvements ### 2.8.1 — 2024-10-21 Bug fixes and general improvements ### 2.8.0 — 2024-04-09 Bug fixes and general improvements ### 2.7.9 — 2023-12-20 Bug fixes and general improvements ### 2.7.8 — 2023-12-05 Introduce new options to unlock the App using biometrics or PIN code in addition to the use of password, and includes bug fixes and general improvements ## Apps similar to USAA Pay As You Drive by Noblr | App | Rating | Price | Category | | --- | --- | --- | --- | | [Metromile - Car Insurance](https://appshunter.io/ios/app/metromile-car-insurance/id734641795) | 4.6 (24,200) | Free | Finance | | [HiRoad® Car Insurance](https://appshunter.io/ios/app/hiroad-car-insurance/id1269731942) | 3.7 (258) | Free | Finance | | [GEICO Mobile - Car Insurance](https://appshunter.io/ios/app/geico-mobile-car-insurance/id331763096) | 4.8 (4,697,957) | Free | Finance | | [Just: Affordable Car Insurance](https://appshunter.io/ios/app/just-affordable-car-insurance/id1471625834) | 4.3 (2,118) | Free | Finance | | [Lemonade Insurance](https://appshunter.io/ios/app/lemonade-insurance/id1055653645) | 4.8 (85,725) | Free | Finance | | [Clearcover Car Insurance](https://appshunter.io/ios/app/clearcover-car-insurance/id1267703900) | 4.7 (16,659) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*