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.

Free Insurance Quote Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Oct 3, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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)

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
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage 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
Compare RatesStart Now →

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 NameAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Adaptive Cruise Control5%
Adaptive Headlights5%
Anti-lock Brakes10%5%5%5%5%
Anti-Theft10%23%20%25%15%
Claim Free35%26%10%15%23%12%
Continuous Coverage15%
Daytime Running Lights2%3%5%5%
Defensive Driver10%10%10%5%10%5%10%3%
Distant Student35%10%7%
Driver's Ed10%10%10%15%8%3%
Driving Device/App20%40%30%40%20%50%30%5%
Early Signing10%8%10%12%
Electronic Stability Control2%5%
Emergency Deployment25%
Engaged Couple
Family Legacy10%
Family Plan25%
Farm Vehicle10%
Fast 5
Federal Employee12%10%
Forward Collision Warning5%
Full Payment10%$508%
Further Education10%15%
Garaging/Storing90%
Good Credit
Good Student20%15%23%10%25%8%3%
Green Vehicle10%5%10%10%
Homeowner5%3%5%
Lane Departure Warning
Life Insurance
Low Mileage30%
Loyalty5%
Married
Membership/Group10%7%
Military15%4%
Military Garaging15%
Multiple Drivers
Multiple Policies10%29%10%20%10%12%17%13%
Multiple Vehicles25%10%20%10%20%8%
New Address5%
New Customer/New Plan
New Graduate5%
New Vehicle30%15%40%10%12%
Newly Licensed5%
Newlyweds5%
Non-Smoker/Non-Drinker
Occasional Operator
Occupation10%15%
On-Time Payments5%15%
Online Shopper7%
Paperless Documents10%5%$50
Paperless/Auto Billing5%$30$203%3%
Passive Restraint30%30%40%20%40%
Recent Retirees4%
Renter
Roadside Assistance
Safe Driver45%15%35%31%15%23%12%
Seat Belt Use15%
Senior Driver10%
Stable Residence
Students & Alumni10%7%
Switching Provider10%
Utility Vehicle15%
Vehicle Recovery10%15%35%25%5%
VIN Etching5%
Volunteer
Young Driver$75
Compare RatesStart Now →

Discounts can significantly lower auto insurance rates. Even if one company offers lower initial rates, adding discounts can make another company cheaper.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

secured lock Secured with SHA-256 Encryption

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.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

secured lock Secured with SHA-256 Encryption

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.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

secured lock Secured with SHA-256 Encryption