Pay as you drive

Pay as you drive policies are issued by Noblr, a USAA company. All sales, servicing and claims are managed through Noblr, a USAA company. To speak with a Noblr team member, call 877-BE-NOBLR (877-236-6257). If you already have a policy, you can reach the Noblr team through the pay as you drive app.

USAA membership is managed through USAA. To speak with a USAA representative, call 800-531-USAA (8722).

As of June 2023, pay as you drive is available in Arizona, Colorado, Georgia, Illinois, Indiana, Louisiana, Maryland, Missouri, Nevada, New Mexico, Ohio, Pennsylvania, Texas, Virginia and Wisconsin.

Each household can only have one auto policy at a time. We're excited to offer options for your auto insurance, so you can choose the one that works best for you. Pay as you drive policies are issued by Noblr, a USAA company, so you can be confident you'll get the same USAA quality and excellent service. If pay as you drive isn't the right fit for your needs, USAA has other options for auto insurance.

The pay as you drive auto policy may not be acceptable underlying auto policy for the USAA Umbrella Insurance policy. To learn more, call us at 800-531-USAA (8722).

The amount and extent of a coverage — and how it works — will vary depending on your choices and what state you live in. To learn more about coverages and opt out, lower or increase certain limits, call the Noblr team at 877-236-6257.

Available in all states offering pay as you drive:

• Bodily injury
• Comprehensive
• Collision
• Rental car
• Roadside assistance
• Property damage
• Uninsured motorist bodily injury

Available in select states offering pay as you drive:

• Accidental death benefits
• Combined first party benefits
• Extraordinary medical benefits
• Funeral benefits
• Income loss benefits
• Loan and lease gap coverage
• Medical payments
• Personal injury protection
• Tort options
• Underinsured motorist bodily injury
• Underinsured motorist property damage
• Uninsured motorist property damage

Your premium is made up of a fixed rate and a variable rate. Your fixed rate will not change during a policy term as long as your cars, drivers and coverage do not change. Your variable rate changes each month based on how safely and how much you actually drive.

Scoring factors vary by state. The pay as you drive app scores your trips in real time to save you money. We team up with the technology that's already in your phone to calculate the following:

• Mileage. How much you drive. Driving less saves you more.
• Smoothness. How hard you accelerate and brake.
• Focus. Whether you handle your phone while driving. Hands-free mounts and functions are your friends.
• Road choice. In some states, it matters where you drive. In Arizona, Colorado, Louisiana, New Mexico, Ohio and Texas, highway driving is preferred over city streets.
• Time of day. When you drive. Avoid driving from 11 p.m. to 4 a.m.

The pay as you drive app runs in the background and gathers the following details about each trip you take:

• Location
• If you're the passenger or driver
• Mileage
• Smoothness
• Focus
• Road choice
• Mode of transportation
• Time of day

We collect, use and store your data consistent with the Privacy Policy and Terms and Conditions. We will not share your data except as provided in the Privacy Policy.

In your first six-month term, the Noblr Promise ensures that your monthly cost won't exceed the specified maximum, no matter how well or how much you drive. The max amount is based on information about your cars, drivers and driving history. It won't change if your cars, drivers and coverages remain the same during your first term.

Noblr Promise not available in all states.

First, you have to download the pay as you drive app to your smartphone.

• Search “pay as you drive” in your app store or use one of these links: iOS Opens in a New Window or Android Opens in a New Window
• Once you've downloaded the app, follow the prompts to log on with the username and password you set up when you bought your policy. If you've been added to a policy as an additional driver, check out the next FAQ.
• Then, follow prompts to enable location and other permissions for the app.
• We use location to measure how much you drive, so your rate is accurate and personalized. It's how we help you save money. Set it to “Always Allow,” so you get the most accurate rate.
• On iOS devices, "Motion & Fitness" must also be enabled to accurately log your trips. For Android, "Physical Activity" must be enabled. We use motion to measure your driving behaviors, like braking and smoothness, to give you the most savings we can.
• On Android devices, "Phone" must also be enabled to measure Focus. We don't log, listen to or store anything about your calls.
• You can find all your account information and documents in the app, so make sure you install it and log on.

Each driver on a pay as you drive policy needs to download the app on their smartphone. They'll log on to start their membership and drive their own rate.

Once they download the app on their own mobile device, they'll select “Set up your phone” and create a new account using their own email address. The app will automatically add them to the primary's account.

Go to the App Store to download the iOS Opens in a New Window app. Visit Google Play to get the app for Android Opens in a New Window.

The pay as you drive app tracks all your trips whenever you're in a moving vehicle. The app also displays whether you were driving on each tracked trip. If the app indicates you were driving when you weren't or if you were driving a commercial vehicle for work on a trip, you have up to 14 days from the date of the trip to change the trip type in the app.

To change trip type in the app:

• Select “Trips” from the top of your app dashboard.
• Find the trip that you'd like to modify and select it.
• Tap “On this trip I was driving” to reveal a dropdown menu.
• Choose the appropriate selection for that trip.
• The app will automatically save your selection.

Noblr Rewards are discounts that we apply to your monthly variable rate. These rewards could benefit you if you:

• Buy a policy today.
• Pay the fixed part of your premium in full.
• Renew your policy at the end of your six-month term.