Clearcover Auto Insurance Review (2022)

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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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...

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UPDATED: Nov 30, 2021

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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)

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
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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.

Auto Insurance Discounts from Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/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/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging/StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/A535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership/GroupN/AN/AN/A107N/AN/AN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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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.

To 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.

How do you file an auto insurance claim with Clearcover?

Knowing how to file a car insurance claim with Clearcover is important. Thankfully, the process is very simple.

Because Clearcover conducts all business within the app, that is where you file your claim also. Just begin the claims process and upload pictures of the damage to your vehicle.

Clearcover prides itself on how quickly it resolves claims. Appraisals are often offered within minutes, and the process is usually complete within a week.

However, keep in mind that filing an auto insurance claim can cause your rates to increase. It can save you money in the long run if you pay for minor repairs out of pocket instead of filing a claim.

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.

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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.

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