Clearcover Car Insurance Review [2024]
Clearcover car insurance offers a very simple approach to your insurance needs. Clearcover only offers quotes online and requires drivers to either use the website or app for all functions. Since Clearcover doesn’t use local agents, rates can stay low. However, Clearcover doesn’t offer many car insurance discounts and only offers car insurance so you can’t bundle policies. Clearcover auto insurance has good ratings from the BBB, and its app is also highly rated.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Jul 17, 2024
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Drivers are looking for great coverage and cheap rates. The best auto insurance companies offer both. So what about Clearcover car insurance?
Clearcover is a newer car insurance company that offers a simplistic approach to coverage. Clearcover car insurance is only offered online, and most account access is through the app.
However, Clearcover has limited availability and discounts. Clearcover also does not use local agents to keep overhead and rates low.
Shop around before you buy Clearcover car insurance. Compare multiple companies to find the best deal for you.
Keep reading our Clearcover car insurance review to learn more. Enter your ZIP code to compare free quotes from car insurance companies in your area.
What are Clearcover car insurance rates?
Clearcover started in 2016 and is very new to the car insurance business. While you can only get Clearcover car insurance quotes through the website, coverage is only offered in 18 states.
Clearcover also doesn’t use local agents and expects drivers to use either the website or app to access their accounts. Drivers can pay bills, file claims, and get proof of insurance through the app.
If you are looking for a local agent that gives you a personal touch, Clearcover is not right for you. The company is completely digital, which helps keep rates low.
Since Clearcover auto insurance rates aren’t available, this table shows you average rates from top companies to give you an idea of costs.
Car Insurance for Company Vehicles: Average Monthly Rates by Coverage Level & Provider
| Companies | Average Monthly Car Insurance Rate for Low Coverage | Average Monthly Car Insurance Rate for Medium Coverage | Average Monthly Car Insurance Rate for High Coverage |
|---|---|---|---|
| Allstate | $386 | $408 | $428 |
| American Family | $281 | $295 | $285 |
| Farmers | $327 | $347 | $375 |
| Geico | $250 | $268 | $286 |
| Liberty Mutual | $484 | $505 | $530 |
| Nationwide | $283 | $287 | $292 |
| Progressive | $311 | $335 | $363 |
| State Farm | $255 | $272 | $288 |
| Travelers | $352 | $372 | $385 |
| USAA | $200 | $212 | $222 |
Keep in mind that car insurance rates will vary greatly by the driver. Common factors that affect your rates include your age, ZIP code, and driving record.
Every car insurance company will look at these factors differently and offer various rates and discounts.
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What car insurance coverages does Clearcover offer?
Clearcover only offers car insurance. So if you are looking for a company that can bundle multiple policies, Clearcover might not be for you.
Most states require at least a minimum amount of car insurance. Clearcover can meet those needs since it offers liability, comprehensive, collision, medical payments, and uninsured and underinsured motorist coverages.
Clearcover also offers roadside assistance and rideshare coverages. Because your personal car insurance doesn’t cover working for a rideshare company, it’s convenient to be able to just add the needed coverage to your policy.
Alternate transportation coverage is also available from Clearcover. While many auto insurance companies offer rental car coverage if your vehicle is damaged, Clearcover makes things simple.
With alternate transportation coverage, Clearcover gives you $30 a day to pay for whatever type of transportation you would like, including rideshare, taxi, or public transit. The company gives you the option of picking the most convenient choice for you.
What car insurance discounts are available with Clearcover?
Car insurance discounts are an easy way for drivers to save money. While most insurance companies offer a ton of discounts, Clearcover only offers a few.
Clearcover car insurance discounts include:
- Good driver discount
- Paid-in-full discount
- Multi-vehicle discount
- Restraint discount
- Defensive drive discount
- Anti-lock brakes discount
- Military discount
For comparison, this table shows you common car insurance discounts from top companies. If the amount of the discount is known, it is listed.
Car Insurance Discounts by Company
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
Discounts can have a significant impact on the cost of your auto insurance. Even if a company initially offers lower prices, adding discounts can change which company is the cheapest for you.
How do you cancel Clearcover car insurance?
Call customer care at 1-855-444-1875 to cancel your Clearcover insurance. You can also use the Clearcover app to connect with a customer support agent.
It is easy to cancel your Clearcover car insurance at any time, but there are some things to be aware of.
First, you may be charged a cancellation fee depending on where you live. Clearcover auto insurance policies are just six months long, so it might be smarter to wait until your policy is up for renewal.
Second, you need to have your name, address, and policy number available when you want to cancel.
Basic steps to canceling Clearcover car insurance are:
- Find out when your policy is set to renew. If the renewal date is soon, it may be cheaper not to renew your policy instead of canceling it.
- Shop around for car insurance. Every company will weigh your personal factors differently, so compare multiple companies to find the right coverage and rates for you.
- Set up your new policy. Fill out any needed paperwork and complete the application process. Pick a date for your policy to begin that is before your current policy ends.
- Contact Clearcover to begin the cancellation process, or to let them know you don’t want to renew. Make sure your end date is after the start date for the new policy.
- Follow up with Clearcover after your policy is over to determine if you are due a refund.
It’s very important that your Clearcover policy does not end before your new coverage begins.
According to the Insurance Information Institute, driving without valid car insurance can lead to fines, driver’s license suspension, and jail time. Not to mention, your car insurance rates will be much higher when you do resume coverage.
How do you file a car insurance claim with Clearcover?
Filing a car insurance claim with Clearcover is very easy. You can begin the process through the app and even upload pictures of the damage to your vehicle.
Clearcover boasts a very fast time to process claims. Some appraisals are sent back immediately with claims closing in less than a week.
However, be aware that filing an auto insurance claim can raise your rates. It might be a good idea to pay for damages yourself if you are able. While your upfront costs will be much higher, you will keep your Clearcover car insurance rates lower.
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What are the Clearcover car insurance ratings?
When it comes to an insurance company, rates aren’t the only factor to consider. Ratings are also important. You need to know that you can trust your car insurance company to be there when you need them.
A.M. Best rates companies on financial stability. Since the Clearcover car insurance company is so new to the insurance field, it hasn’t been rated yet. However, its underwriter Fortegra has an A- rating showing an excellent ability to meet financial obligations.
Clearcover does have a Better Business Bureau rating (BBB). The BBB rates companies on how well they interact with customers, and Clearcover received an A rating and accreditation.
Since Clearcover requires customers to use an app for most policy functions, the app needs to perform extremely well. The Clearcover app received a 4.7/5 rating in both the Google Play and Apple App Stores.
Clearcover Car Insurance: The Bottom Line
You may be able to find affordable Clearcover car insurance, but availability and discounts are limited.
Clearcover is a good fit for drivers looking for just the basics and don’t need a personal touch. However, it’s not a good fit for drivers who want a local agent or don’t have a smartphone.
Compare different companies to find the best coverage with the cheapest rates for you.
We hope you’ve learned all you need to know about Clearcover car insurance. Before you leave, enter your ZIP code to compare free car insurance quotes from companies near you.
Frequently Asked Questions
What is Clearcover car insurance and how does it differ from traditional insurance companies?
Clearcover is a newer car insurance company that operates exclusively online. It offers a simplified approach to coverage and does not use local agents, allowing them to keep rates low.
What coverages does Clearcover car insurance offer?
Clearcover provides car insurance coverage for liability, comprehensive, collision, medical payments, and uninsured/underinsured motorist. They also offer additional options such as roadside assistance, rideshare coverage, and alternate transportation coverage.
What discounts are available with Clearcover car insurance?
Clearcover offers a limited number of discounts, including safe driver discounts and discounts for bundling policies. However, it’s important to compare discounts from multiple companies to find the best deal for you.
How can I cancel my Clearcover car insurance policy?
To cancel your Clearcover car insurance policy, you can call their customer care at 1-855-444-1875 or use their app to connect with a customer support agent. It’s recommended to have your policy number and other relevant information handy.
How do I file a car insurance claim with Clearcover?
Filing a car insurance claim with Clearcover is easy and convenient. You can initiate the process through their app and even upload pictures of the damage to your vehicle. Clearcover aims for a fast claims process, with some claims closing in less than a week.