Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Dec 13, 2021

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Just What's Essential

  • Clearcover car insurance is digital, so drivers are expected to use the website and app for everything
  • Clearcover only offers car insurance with add-ons such as rideshare coverage and alternate transportation coverage
  • Drivers can file accident claims from the app, and claims are usually completed within one week

If you are looking for affordable car insurance, consider Clearcover. Clearcover car insurance is entirely digital, which means streamlined coverage and lower rates.

However, Clearcover isn’t available everywhere, and there are no local agents to meet with face-to-face.

Before you buy Clearcover car insurance, shop around to see if another company offers a better deal. Compare rates and discounts to find the cheapest coverage for you.

Read our Clearcover car insurance review to learn whether or not it’s the best company for you. Enter your ZIP code now to compare free car insurance quotes from companies near you.

What are Clearcover car insurance rates?

Clearcover is a different kind of car insurance company that is completely digital. Everything from getting a Clearcover car insurance quote to filing a claim is done online or through the app.

While Clearcover is an online company, coverage is only available in 20 states. There are no local agents, so it isn’t a good fit for drivers who need hands-on service.

Because Clearcover keeps overhead low, it can offer lower rates. In some areas, rates are reportedly around 30% lower than average.

Look at this table of the average annual car insurance rates from top companies to get an idea of what typical rates look like.

Average Annual Car Insurance Rates Based on Coverage Type

CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92

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No matter the company, car insurance rates are determined by a variety of your personal factors. These factors include your age, driving record, where you live, and even your credit score.

Rates will be different for every driver since these personal factors will be different. Also, companies weigh each one of these factors differently, so rates are very individualized.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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What car insurance coverages does Clearcover offer?

Clearcover offers standard car insurance coverages that meet state minimum requirements. Coverages include liability, collision, comprehensive, and uninsured motorist.

Clearcover also offers add-ons such as rideshare and alternate transportation coverages.

If you drive for a rideshare company like Lyft or Uber, you might be surprised to learn that your personal car insurance won’t cover you while you are on the clock.

Adding rideshare coverage with Clearcover is easy. Just add it to your personal policy. You don’t need a separate policy.

Alternate transportation coverage is Clearcover’s take on rental car coverage. With rental car insurance, you are limited to using the coverage only for renting a car.

However, if your car is damaged and you have alternate transportation coverage, you can use the $30 a day allowance for any type of transportation you would like. This includes rental cars, rideshares, and public transportation.

Although Clearcover only offers car insurance, customers can find homeowners insurance through its partner, Hippo.

What car insurance discounts are available with Clearcover?

One way drivers can save money is to add car insurance discounts to their policies. Discounts are based on everything from you as a driver to the safety features that come on your car.

Most companies offer many different discounts so that drivers can save the most money. However, Clearcover only offers around 15 discounts.

Clearcover car insurance discounts include:

  • Military
  • Good student
  • Defensive driver
  • Anti-theft
  • Multi-vehicle
  • Paid-in-full

For comparison, take a look at this table that shows common car insurance discounts from top companies.

Car Insurance Discounts
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75

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Discounts make such a significant impact on your rates that they can actually change which company is cheapest for you. Be sure to take discounts into account when shopping for car insurance.

How do you cancel Clearcover car insurance?

Clearcover knows there are many reasons you may want to cancel your coverage. That’s why they let you cancel any time for any reason. However, you may be charged a cancelation fee.

To cancel, you will need your personal information as well as the policy number and the date you want the policy to end. Then, just start a chat in the app or call customer service at 1-855-444-1875.

You need to follow certain steps when you cancel any car insurance. Following these steps makes the cancelation process easy and hassle-free.

Steps to canceling your Clearcover car insurance are:

  • Check to see when your Clearcover policy ends. Because the policies are only six months long, it may be easier to wait until the policy ends to switch companies.
  • Shop around. Every company will offer different rates, so compare multiple companies to find your best deal.
  • Get your new coverage started. Make sure the new policy begins before the Clearcover policy ends.
  • Contact Clearcover to let them know you are leaving. Follow up to see if you are due any refund if you prepaid for your policy.

It should be stressed that you need to have your new coverage in place before your old coverage ends. Allowing a lapse in coverage can lead to fines and your driver’s license being suspended.

How do you file a car insurance claim with Clearcover?

The claims process with Clearcover is very fast and simple. If you need to file a claim, begin the process in the app. You can even upload pictures of the damage to your vehicle with the app.

Some drivers report getting an appraisal back in a matter of minutes. The entire process is quick, and payments are received in around a week.

However, filing a claim can increase your car insurance rates. So, think twice before you start the process. While paying for damages yourself will cost more in the beginning, you will save money in the long run with lower rates.

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What are the Clearcover car insurance ratings?

Clearcover’s reputation is very important. You need to know it’s a company you can trust.

A.M. Best rates companies on financial stability. While Clearcover is too new to earn a rating, Fortegra is not. Fortegra underwrites policies for Clearcover and received an A- rating, showing an excellent ability to meet financial obligations.

The Better Business Bureau (BBB) has been able to rate Clearcover on customer interaction. Clearcover earned an A rating and accreditation.

Clearcover app ratings are also important since drivers must use it for everything. The app received a 4.6/5 rating in the Google Play Store and a 4.8/5 rating in the Apple App Store.

Clearcover Car Insurance: The Bottom Line

Clearcover offers simplified car insurance that’s 100% digital. While this can mean lower rates, it does require drivers to do everything through an app with no local agents.

Even though affordable Clearcover car insurance is offered online, it’s only available in 20 states.

Shop around before you settle on a car insurance company. Compare rates, discounts, and ratings to see which one is best for you.

We hope you’ve learned everything you need to know about Clearcover auto insurance. Before you go, enter your ZIP code to compare quotes from local car insurance companies for free.