Clearcover Car Insurance Review for 2023
Clearcover car insurance is accessible in 20 states and is exclusively available online. Although Clearcover only provides car insurance, it also provides add-ons such as rideshare and other transportation coverages. Clearcover auto insurance costs up to 30% less than the national average. However, rates vary by driver. Clearcover is an excellent option for drivers who want to do everything online and want a simple auto insurance experience.
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Melanie Musson
Published Insurance Expert
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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: May 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: May 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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
Company | Average Annual Rate for Low Coverage | Average Annual Rate for Medium Coverage | Average 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 |
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 | Allstate (%) | American Family (%) | Farmers (%) | Geico (%) | Liberty Mutual (%) | Nationwide (%) | Progressive (%) | State Farm (%) | Travelers (%) | USAA (%) |
---|---|---|---|---|---|---|---|---|---|---|
Adaptive Cruise Control | N/A | N/A | N/A | N/A | 5 | x | x | N/A | N/A | N/A |
Adaptive Headlights | N/A | N/A | x | N/A | 5 | x | x | N/A | N/A | N/A |
Anti-lock Brakes | x | x | x | 5 | 5 | 5 | x | 5 | x | x |
Anti-Theft | x | x | x | 25 | 20 | 25 | x | 15 | x | x |
Claim Free | x | x | x | 26 | x | 10 | x | 15 | 23 | 12 |
Continuous Coverage | x | x | x | x | N/A | N/A | x | N/A | 15 | N/A |
Daytime Running Lights | x | x | x | 1 | 5 | 5 | x | N/A | x | x |
Defensive Driver | x | x | x | x | 10 | 5 | 10 | 5 | 10 | 3 |
Distant Student | x | x | x | x | N/A | 10 | x | x | 7 | x |
Driver's Ed | x | x | x | x | 10 | N/A | 10 | 15 | 8 | 3 |
Driving Device/App | x | x | N/A | x | 30 | 40 | 20 | 50 | 30 | 5 |
Early Signing | x | x | x | x | N/A | 8 | x | N/A | 10 | 12 |
Electronic Stability Control | x | x | x | N/A | 5 | x | x | N/A | N/A | N/A |
Emergency Deployment | N/A | N/A | N/A | 25 | N/A | N/A | N/A | N/A | N/A | N/A |
Engaged Couple | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Family Legacy | N/A | x | N/A | x | N/A | N/A | x | N/A | N/A | 10 |
Family Plan | N/A | x | x | N/A | N/A | 25 | N/A | N/A | N/A | N/A |
Farm Vehicle | x | N/A | x | x | N/A | N/A | N/A | N/A | N/A | N/A |
Fast 5 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Federal Employee | N/A | N/A | x | 8 | 10 | N/A | N/A | N/A | N/A | N/A |
Forward Collision Warning | N/A | N/A | N/A | N/A | 5 | x | x | N/A | N/A | N/A |
Full Payment | N/A | x | x | x | $5 | N/A | x | N/A | 7.5 | N/A |
Further Education | N/A | N/A | N/A | x | 10 | 15 | N/A | N/A | x | N/A |
Garaging/Storing | N/A | N/A | x | N/A | N/A | N/A | N/A | N/A | x | 90 |
Good Credit | x | x | N/A | N/A | N/A | x | x | x | N/A | N/A |
Good Student | x | x | x | 15 | 22.5 | 10 | x | 25 | 8 | 3 |
Green Vehicle | x | N/A | 5 | N/A | 10 | N/A | N/A | N/A | 10 | N/A |
Homeowner | N/A | N/A | x | x | x | 5 | x | 3 | 5 | N/A |
Lane Departure Warning | N/A | N/A | N/A | N/A | x | x | x | N/A | N/A | N/A |
Life Insurance | x | N/A | N/A | N/A | N/A | x | N/A | N/A | N/A | N/A |
Low Mileage | x | x | x | x | x | x | x | 30 | x | x |
Loyalty | N/A | x | N/A | x | N/A | 5 | x | N/A | N/A | x |
Married | N/A | N/A | N/A | N/A | x | x | x | x | N/A | x |
Membership/Group | N/A | N/A | N/A | x | 10 | 7 | N/A | N/A | x | N/A |
Military | x | N/A | x | 15 | 4 | N/A | N/A | x | N/A | x |
Military Garaging | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 |
Multiple Drivers | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Multiple Policies | 10 | 29 | x | 10 | 20 | 10 | 12 | 17 | 13 | x |
Multiple Vehicles | x | x | x | 25 | 10 | 20 | 10 | 20 | 8 | x |
New Address | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
New Customer/New Plan | N/A | N/A | N/A | N/A | x | N/A | N/A | N/A | N/A | N/A |
New Graduate | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
Newer Vehicle | x | N/A | x | x | N/A | x | x | 40 | 10 | 12 |
Newly Licensed | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
Newlyweds | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
Non-Smoker/Non-Drinker | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Occasional Operator | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | x |
Occupation | x | N/A | x | x | 10 | 15 | N/A | N/A | x | N/A |
On-Time Payments | x | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 | N/A |
Online Shopper | N/A | N/A | N/A | N/A | N/A | N/A | 7 | N/A | N/A | N/A |
Paperless Documents | x | x | x | N/A | N/A | 5 | $50 | N/A | N/A | N/A |
Paperless/Auto Billing | x | x | x | N/A | x | $30 | x | $2 | 3 | 3 |
Passive Restraint | x | x | x | 40 | x | 20 | x | 40 | x | x |
Recent Retirees | N/A | N/A | N/A | N/A | 4 | N/A | N/A | N/A | N/A | N/A |
Renter | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Roadside Assistance | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Safe Driver | N/A | N/A | x | 15 | N/A | 35 | 31 | 15 | 23 | 12 |
Seat Belt Use | N/A | N/A | N/A | 15 | N/A | N/A | N/A | N/A | N/A | N/A |
Senior Driver | x | N/A | x | N/A | N/A | N/A | N/A | N/A | N/A | x |
Stable Residence | N/A | N/A | N/A | N/A | N/A | x | x | N/A | N/A | N/A |
Students & Alumni | N/A | x | N/A | x | 10 | 7 | N/A | N/A | N/A | N/A |
Switching Provider | N/A | x | x | N/A | 10 | N/A | x | N/A | N/A | N/A |
Utility Vehicle | x | N/A | x | x | N/A | N/A | N/A | N/A | N/A | N/A |
Vehicle Recovery | x | x | x | 15 | 35 | 25 | x | 5 | x | x |
VIN Etching | N/A | N/A | x | N/A | 5 | x | x | N/A | x | x |
Volunteer | N/A | x | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Young Driver | N/A | N/A | N/A | N/A | x | N/A | x | N/A | N/A | $75 |
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.
Enter your ZIP code below to view companies that have cheap auto insurance 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.
Frequently Asked Questions
What is Clearcover car insurance?
Clearcover car insurance is a digital car insurance company that offers standard car insurance coverages, including liability, collision, comprehensive, and uninsured motorist. The company also provides add-ons such as rideshare and alternate transportation coverages.
How much does Clearcover car insurance cost?
Clearcover auto insurance costs up to 30% less than the national average. However, rates vary by driver. Clearcover is an excellent option for drivers who want to do everything online and want a simple auto insurance experience.
What discounts are available with Clearcover car insurance?
Clearcover car insurance discounts include safe driver, multi-car, continuous coverage, and pay-in-full discounts, among others.
How do I cancel Clearcover car insurance?
You can cancel your Clearcover car insurance policy by contacting the company’s customer service at 1-855-444-1875 or starting a chat in the app. However, you may be charged a cancellation fee, and you need to have your new coverage in place before your old coverage ends.
How do I file a car insurance claim with Clearcover?
You can file a car insurance claim with Clearcover by starting the process in the app and uploading pictures of the damage to your vehicle. Some drivers report getting an appraisal back in a matter of minutes, and payments are received in around a week.
What car insurance ratings does Clearcover have?
Clearcover earned an A rating and accreditation from the Better Business Bureau (BBB) and underwrites policies for Fortegra, which received an A- rating from A.M. Best. 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.
Is Clearcover car insurance available everywhere?
Clearcover car insurance is only available in 20 states, and there are no local agents to meet with face-to-face.
Does Clearcover offer discounts on car insurance?
Yes, Clearcover offers various discounts, including safe driver, multi-car, continuous coverage, and pay-in-full discounts, among others.
What coverages does Clearcover offer?
Clearcover offers standard car insurance coverages that meet state minimum requirements, including liability, collision, comprehensive, and uninsured motorist. The company also provides add-ons such as rideshare and alternate transportation coverages.
How can I compare car insurance quotes?
To compare car insurance quotes, enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Melanie Musson
Published Insurance Expert
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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.