Clearcover Car Insurance Review for 2024 [What You Need to Know]

Clearcover’s app offers quick claims processing, with many claims completed in about a week. However, it’s only available in 20 states and lacks local agents, making it unsuitable for drivers who prefer in-person service. Complaints often focus on customer service responsiveness.

Clearcover Car Insurance Rating

Rating Criteria
Overall Score	3.7
Business Reviews	3.5
Claim Processing	4.5
Company Reputation	4
Coverage Availability	2.7
Coverage Value	3.7
Customer Satisfaction	3.4
Digital Experience	4.5
Discounts Available	4
Insurance Cost	3.8
Plan Personalization	4
Policy Options	3.1
Savings Potential	3.9

Clearcover is best for tech-savvy drivers who want affordable, streamlined car insurance without needing to bundle policies or speak with an agent. As one of the cheapest car insurance companies, it’s important to compare multiple insurance quotes to find the best deal for your needs before making a decision.

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.

Overview of 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. Be sure to compare car insurance rates by state to determine if Clearcover is the best option where you live.

Clearcover Car Insurance Monthly Rates by Age, Gender, & Coverage Level

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.

Clearcover Car Insurance Rates and Savings

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.

Car Insurance Monthly Rates by Coverage Type

Insurance Company	Low Coverage	Medium Coverage	High Coverage
	$386	$408	$428
	$281	$295	$285
	$327	$347	$375
	$250	$268	$286
	$484	$505	$530
	$283	$288	$292
	$311	$335	$363
	$255	$273	$288
	$352	$372	$385
	$200	$212	$222

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.

Clearcover’s Available Car Insurance Coverage Options

Clearcover offers standard different types of car insurance coverage 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.

Clearcover Car Insurance Coverage Options

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.

Available Savings with Clearcover Car Insurance

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
• Paid-In-Full
• Multi-Vehicle
• Military
• Defensive Driver

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.

Clearcover Car Insurance Discount by Provider

Car Insurance Discounts	Anti-Theft Device Discount	Bundling (Multi-Policy)	Defensive Driver Discount	Good Driver Discount	Good Student Discount	Military Discount	Multi-Vehicle Discount	New Car Discount	Paperless Discount	Pay-in-Full Discount	Safe Driver (Telematics)
	15%	25%	10%	22%	22%	X	25%	15%	10%	10%	40%
	15%	29%	10%	22%	22%	X	25%	10%	10%	8%	30%
	5%	20%	10%	20%	20%	X	15%	15%	8%	7%	15%
	25%	25%	10%	22%	22%	X	25%	15%	10%	10%	40%
	23%	20%	10%	20%	20%	15%	25%	10%	5%	8%	30%
	5%	20%	5%	10%	10%	15%	20%	10%	10%	10%	40%
	10%	15%	5%	20%	20%	X	12%	23%	10%	10%	20%
	15%	17%	8%	15%	15%	X	20%	10%	5%	10%	30%
	10%	10%	8%	10%	10%	X	8%	10%	10%	10%	20%
	10%	10%	5%	30%	30%	15%	15%	15%	3%	7%	30%

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.

Process for Cancelling Clearcover Coverage

Cancelling Clearcover auto 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. Find insights in our guide titled, “Buying Car Insurance: How to Find the Best Policy for You.”

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.

Comment
byu/Credaence from discussion
inInsurance

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.

Filing a Car Insurance Claim with Clearcover

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

Clearcover Car Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$160	$188	$225	$270
	$117	$136	$176	$194
	$62	$78	$96	$106
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$99	$134	$139	$206
	$59	$67	$78	$108

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.

Understanding Clearcover’s Financial Strength and 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. To find out more, explore our guide titled, “How to Lower Your Car Insurance Cost.”

Clearcover insurance is a generational insurance company with strong financial support and an excellent rating. We are here for our agents, partners and customers.

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.

Clearcover Business Insurance Ratings

Agency
	Score: 835 / 1,000 Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 82/100 Positive Customer Feedback
	Score: 0.45 Fewer Complaints Than Avg.
	Score: A Excellent Financial Strength

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.

Clearcover: What You Need to Know

There are many pros and cons to Clearcover insurance. Pros include low rates and streamlined service. However, cons include lack of availability and no local agents. Delve deeper into our detailed guide titled, “The Perks and Pitfalls of Car Insurance Add-ons.”

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

Clearcover is a generational insurance company with strong financial support and an excellent rating. We are here for our agents, partners and customers.

(Policies underwritten by Clearcover Insurance Company NAIC #16524).#carinsurance #insurtech #trustedbrand #agents pic.twitter.com/iTcH1A5PDP

— Clearcover (@clearcover) July 21, 2023

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.