Clearcover Auto Insurance Review (2024)
Clearcover auto insurance is only available in 18 states and is only offered online. Clearcover car insurance is completely digital and doesn’t use local agents. Clearcover offers unique coverages like alternate transportation coverage as well as standard coverages like liability, collision, and comprehensive. Although Clearcover reports rates are up to 30% lower than average, it doesn’t offer very many discounts to help drivers lower rates.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
UPDATED: Sep 29, 2024
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Clearcover auto insurance is only offered online and is available in 18 states. Clearcover claims to keep auto insurance rates low by reducing overhead as an all-digital company.
However, drivers looking for a face-to-face experience with a local agent won’t find Clearcover to be a good fit. We know there’s a lot to consider, so we’ve gathered what you need to know about Clearcover rates, coverage, and more right here.
Shop around before you buy Clearcover auto insurance. Compare rates, discounts, and ratings from multiple companies to find your best deal.
Keep reading our Clearcover auto insurance review to learn more about the company. Before you continue, enter your ZIP code to compare free auto insurance quotes from companies in your area today.
What are Clearcover auto insurance rates?
Since it’s only been around since 2016, Clearcover is a newer insurance company. It promises has a more streamlined approach to buying car insurance.
Clearcover is an online-only auto insurance company that requires drivers to use the website and app for most needs.
For example, Clearcover auto insurance quotes are only available online, and drivers go through the claims process through the app.
Even though Clearcover is online, coverage is only available in 18 states.
Clearcover also doesn’t use local agents. The company claims it keeps rates around 30% lower than average because of the low overhead.
Take a look at this table that shows you average annual rates from top auto insurance companies to get an idea of what rates look like.
Average Annual Auto 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 |
|---|---|---|---|
 | $4,628.03 | $4,896.81 | $5,139.02 |
 | $3,368.49 | $3,544.37 | $3,416.40 |
 | $3,922.47 | $4,166.22 | $4,494.13 |
 | $3,001.91 | $3,213.97 | $3,429.14 |
 | $5,805.75 | $6,058.57 | $6,356.04 |
 | $3,394.83 | $3,449.80 | $3,505.37 |
 | $3,737.13 | $4,018.46 | $4,350.96 |
 | $3,055.40 | $3,269.80 | $3,454.80 |
 | $4,223.63 | $4,462.02 | $4,619.07 |
 | $2,404.11 | $2,539.87 | $2,667.92 |
Many different factors will affect your auto insurance rates regardless of the company you choose. Your age, driving record, and ZIP code are just a few of the most important factors used to calculate rates.
Because each driver is different, rates will vary. Add in the fact that every company evaluates your personal factors differently, you’ll see a big difference in rates by company.
What auto insurance coverages does Clearcover offer?
Clearcover only offers auto insurance and isn’t a good fit for drivers who want to bundle other policies such as homeowners.
Most states require drivers to carry at least a minimum amount of auto insurance, and Clearcover more than meets those minimums.
Clearcover auto insurance coverages offered include liability, comprehensive, collision, medical payments, and uninsured/underinsured motorist coverage.
Rideshare insurance is also available. If you drive for a rideshare company like Uber or Lyft, your personal auto insurance won’t cover you while you are working. Drivers can easily add rideshare coverage to their Clearcover policies.
A more unique coverage offered by Clearcover is alternate transportation. While most companies offer rental car coverage if your vehicle is damaged, they only cover a rental car.
Alternate transportation coverage gives you $30 a day to use for any transportation you want, including rideshares, taxis, rental cars, and public transportation.
What auto insurance discounts are available with Clearcover?
One of the best ways for drivers to save money is with auto insurance discounts. Discounts are usually offered based on the driver, type of policy, and features on your vehicle.
While most auto insurance companies offer a multitude of discounts, Clearcover offers considerably less.
Clearcover auto insurance discounts include:
- Safe driver
- Paid-in-full
- Multi-vehicle
- Good Student
- Military
- Deployed driver
- Defensive driver course
For comparison, take a look at this table showing common auto insurance discounts from top companies. The amount of the discount is listed if it is available.
Car Insurance Discounts Offered by Top Companies| Discount Name | | | | | |  | |  | | |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 significantly lower auto insurance rates. Even if one company offers lower initial rates, adding discounts can make another company cheaper.
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How do you cancel Clearcover auto insurance?
Clearcover makes it easy to cancel your coverage at any time. However, be aware that there is sometimes a fee to cancel your auto insurance before your policy ends.
You can chat with a representative in the app or call customer service at 1-855-444-1875 to cancel.
New Link Destination
cancel your auto insurance, you will need to have the name on the policy, address, policy number, and the date you want to cancel.
Steps to canceling Clearcover auto insurance are:
- Find out when your auto insurance ends. Since Clearcover policies are only six months long, it may be cheaper and easier to switch companies when your policy expires.
- Shop around for new coverage. Every company will weigh your personal factors differently and offer different rates.
- Once you decide, complete your application process, make a payment, and set your start date. Make sure your new policy starts a day or two before your old policy ends to avoid a lapse in coverage.
- Contact Clearcover to let them know you will either cancel or not renew coverage. Be sure to find out if you are owed a refund if you paid in advance.
Don’t allow your auto insurance to lapse. According to the Insurance Information Institute, a lapse in coverage can lead to fines, driver’s license suspension, and your car being impounded.
Your auto insurance rates will also be higher when you do get coverage again. Auto insurance companies want to see continuous coverage and will charge higher rates if you have a lapse.
What are the Clearcover auto insurance ratings?
Since the Clearcover auto insurance company hasn’t been on the insurance scene very long, it can be difficult to find ratings to give drivers peace of mind.
For example, Clearcover hasn’t earned an A.M. Best rating which shows how financially stable the company is. However, Clearcover’s underwriter Fortegra has received an A- rating, showing an excellent ability to meet financial obligations.
Clearcover has received a rating from the Better Business Bureau (BBB). The BBB rates companies on customer service. Clearcover received an A rating and is accreditated.
Because Clearcover expects drivers to interact solely using the app, ratings are very important. The Clearcover app received a 4.7/5 rating in both the Google Play and Apple App Stores.
Clearcover Auto Insurance Effortless Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Clearcover auto insurance operates exclusively online, and this extends to their claims process. To file a claim with Clearcover, policyholders are required to use the company’s mobile app. This digital approach means that policyholders can conveniently initiate a claim and upload necessary documentation from their smartphones or other devices.
Average Claim Processing Time
One of Clearcover’s selling points is its swift claims processing. The company prides itself on resolving claims quickly. In most cases, Clearcover aims to provide appraisals within minutes of filing a claim, with the entire claims process typically completed within a week. This emphasis on efficiency can help policyholders get back on the road promptly after an accident.
Customer Feedback on Claim Resolutions and Payouts
While Clearcover’s claims process is designed for speed and convenience, customer feedback on claim resolutions and payouts is essential for assessing the overall customer satisfaction. Unfortunately, as Clearcover is relatively new in the insurance industry, there may be limited customer feedback and reviews available.
However, it’s worth noting that Clearcover has received an A rating from the Better Business Bureau (BBB), which suggests a positive track record in terms of customer service.
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Unveiling Cutting-Edge Digital and Technological Features by Clearcover Auto Insurance
Mobile App Features and Functionality
Clearcover’s mobile app is at the heart of its digital insurance platform. The app offers various features and functionalities to enhance the policyholder experience. Through the app, customers can obtain quotes, file claims, manage their policies, and access important documents. The user-friendly interface and accessibility from mobile devices make it convenient for customers to interact with Clearcover on their terms.
Online Cccount Management Capabilities
Clearcover’s online account management capabilities are designed to empower policyholders with self-service options. Customers can access their policies, make payments, and update their information through the company’s website or mobile app. This approach aligns with Clearcover’s digital-first philosophy, providing policyholders with the flexibility to manage their insurance needs online.
Digital Tools and Resources
As a digital-focused insurance provider, Clearcover offers a range of digital tools and resources to assist policyholders in making informed decisions. These resources may include educational content, blogs, and tools to calculate insurance needs.
Clearcover’s commitment to leveraging technology ensures that policyholders have access to valuable information and resources at their fingertips, enhancing their overall insurance experience.
Clearcover Auto Insurance: The Bottom Line
Although you can find affordable Clearcover auto insurance, it’s not available everywhere and may not be right for everyone.
Drivers who are looking for low rates and a streamlined auto insurance experience should consider Clearcover.
On the other hand, drivers who want a more hands-on experience or who don’t own a smartphone won’t find what they want with Clearcover.
Shop around to find great coverage with the lowest rates for you. Remember to take into account any discounts offered to make sure you are getting the best deal.
We hope you’ve learned everything you need to know after reading our Clearview auto insurance review. Before you leave, enter your ZIP code to compare quotes from auto insurance companies near you for free.