To provide high voice quality of real-time voice communication based on telematics exposed to various noise environments, the noise reduction algorithm with low computing load is required to effectively remove the noise. In this paper, we propose a noise reduction algorithm based on Mel-Filter and illustrate the proposed algorithm comparing with conventional noise reduction algorithms. As a experimental result that evaluates the performance of the noise reduction algorithms under the car and babble noise environments, the proposed noise reduction algorithm has the lower computing load with the similar PESQ score compared to the conventional noise reduction algorithms. It proves that the proposed noise reduction algorithm can efficiently remove the noise in mobile telematics.