Clearcover Car Insurance Review (2024)

Although Clearcover car insurance is offered online, it’s only available in 20 states. Everything is done digitally, and drivers use the website and app for all needs. This simplifies the process, allowing Clearcover auto insurance to be around 30% cheaper. While Clearcover only offers car insurance, it does offer add-ons like rideshare coverage and alternate transportation coverage. Drivers who want streamlined car insurance and don’t need a local agent should consider Clearcover.

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of, a financial educat...

Licensed Insurance Agent

UPDATED: Sep 7, 2023

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Company Details
Address: 33 W Monroe St
City: Chicago
State: IL
ZIP Code: 60603
Phone Number: (855) 444-1875
Year Founded: 2016
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Drivers always are wondering how to reduce the cost of auto insurance. A company like Clearcover can help with that. Clearcover car insurance offers low-cost coverage in 20 states.

Clearcover is a 100% digital car insurance company, and everything is done either online or through the app. Although Clearcover offers lower rates, drivers who want hands-on service won’t be a good fit.

Shop around before you buy Clearcover car insurance. Compare rates, discounts, and ratings to find the best deal for you.

Keep reading our Clearcover car insurance review to learn more. Before you scroll down, enter your ZIP code to compare free car insurance quotes from companies in your area.

What is Clearcover car insurance?

Clearcover is a completely digital insurance company that only offers car insurance. While that means simplified usage, it also means no local agents.

Drivers have to do everything through either the Clearcover website or the app. In fact, you can only get Clearcover car insurance quotes online.

Clearcover is only offered in 20 states, so availability can also be an issue.

Drivers who want face-to-face interaction, don’t own a smartphone, or who want to bundle policies won’t find what they need with Clearcover.

However, drivers who only need car insurance and love doing everything online will find Clearcover is a good fit.

What are Clearcover car insurance rates?

Because Clearcover is only online, it can keep overhead low, which translates to lower rates. In fact, Clearcover claims to be 30% lower than other car insurance companies.

This table shows average annual rates from top car insurance companies based on the type of coverage.

Average Annual Car Insurance Rates Based on Coverage Type
Insurance CompaniesAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
American Family$3,368.49$3,544.37$3,416.40
Liberty Mutual$5,805.75$6,058.57$6,356.04
State Farm$3,055.40$3,269.80$3,454.80

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There are many factors that affect the price of car insurance, such as age, driving record, and what kind of coverage you choose.

Clearcover uses those factors to determine your rates, and rates will be different for every driver.

Since Clearcover only offers car insurance, drivers can’t bundle policies for discounts. If you need auto and homeowners coverages, you will have to have policies through two different companies.

What car insurance coverages does Clearcover offer?

Clearcover offers standard car insurance coverages such as liability, collision, comprehensive, and uninsured and underinsured motorist.

Drivers can also find add-ons like roadside assistance, rideshare coverage, and alternate transportation coverage.

You have to add ridesharing coverage if you drive for Uber, Lyft, or another rideshare provider. While working for a ridesharing company, your own insurance will not protect you.

Clearcover makes it easy to add rideshare coverage to your personal policy. This means you are covered no matter how you use your vehicle.

Alternate transportation is an add-on that is unique to Clearcover. Most car insurance companies offer rental car coverage if your vehicle is damaged and has to go to the shop.

However, Clearcover offers drivers flexibility. With alternate transportation coverage, you can use the $30 daily allowance for any transportation you want, including taxis, rental cars, rideshares, and public transportation.

While Clearcover offers car insurance that meets state minimum coverage requirements, it doesn’t offer any other coverages such as homeowners or renters insurance.

Drivers who are looking for homeowners insurance can find coverage through Hippo, a partner of Clearcover.

What car insurance discounts are available with Clearcover?

Car insurance discounts are offered by most companies to help drivers get lower rates. Although most companies have a long list of discounts for drivers, Clearcover only offers around 15 discounts.

Clearcover discounts offered include:

  • Good driver
  • Seat belt
  • Paid-in-full
  • Multi-vehicle
  • Military
  • Deployed driver
  • Continuous coverage
  • Defensive driver
  • Anti-theft

For comparison, check out this table that shows discounts from top car insurance companies. The amount of the discount is listed if it is available.

Car Insurance Discounts by Company
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
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
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
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
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 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
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
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
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
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75

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Discounts can offer drivers huge savings. In fact, discounts can make the difference between which car insurance company is cheaper for you.

Be sure to take into account discounts when you are shopping for car insurance.

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How do you cancel Clearcover car insurance?

Cancelling Clearcover car insurance is pretty simple. You will need to have your policy information, such as address and policy number, and the date you would like to cancel your coverage.

Then, chat with customer service in the Clearcover app or call 1-855-444-1875.

Even though you can cancel your policy at any time, keep in mind that you may be charged a fee if you cancel your policy in the middle of your term.

Since Clearcover policies are only six months long, it may be cheaper to wait until your policy ends to switch companies.

Once you determine which company you want to switch to, make sure your new policy begins before your old policy ends. If not, you will have a lapse in coverage.

According to the Insurance Information Institute, you can face fines, a driver’s license suspension, and having your car impounded if you drive while your insurance has lapsed.

How do you file a car insurance claim with Clearcover?

The Clearcover car insurance company makes filing an accident claim simple. Like with most things, you can start your claims process from the app.

Simply open a claim and upload all of the pictures of your vehicle’s damage right into the app. An adjuster will respond very quickly.

In fact, you may get an estimate within minutes. Most claims with Clearcover are completed in around a week.

It should be noted that even though the claims process is easy, it might not be in your best interest to file a claim. Filing a claim can increase your car insurance rates.

Pay for accident damages out of pocket if you are able to. While your initial costs will be higher, you will come out ahead in the long run by keeping your car insurance rates low.

What are the Clearcover car insurance ratings?

You might not realize that car insurance company ratings are just as important as the rates they offer. Ratings tell you whether a company is trustworthy and will be there when you need them.

A.M. Best rates companies on how financially sound they are. Since Clearcover has only been around since 2016, it doesn’t have an A.M. Best rating yet.

However, Clearcover’s policies are underwritten by Fortegra, which has an A- rating with A.M. Best. This shows the company has an excellent ability to meet financial obligations.

Next, the Better Business Bureau (BBB) rates companies based on how well they interact with customers. Clearcover has an A rating with the BBB and is accredited.

Since drivers have to use the Clearcover app for everything, how well it’s rated by users is very important. The Clearcover app has a 4.6/5 rating in the Google Play Store, and Apple users give a 4.8/5 rating.

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Clearcover Car Insurance: The Bottom Line

There are many pros and cons to Clearcover car insurance. Pros include low rates and streamlined service. However, cons include lack of availability and no local agents.

While affordable Clearcover car insurance may be available in your area, another company may be cheaper once discounts are factored in.

Compare multiple car insurance companies before you decide. Each company will offer different rates, so be sure to shop around.

Now that you know about Clearcover auto insurance, you are ready to find your best deal. Enter your ZIP code now to compare quotes from car insurance companies near you for free.

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