Clearcover Car Insurance Review [2022]

Clearcover car insurance offers a very simple approach to your insurance needs. Clearcover only offers quotes online and requires drivers to either use the website or app for all functions. Since Clearcover doesn’t use local agents, rates can stay low. However, Clearcover doesn’t offer many car insurance discounts and only offers car insurance so you can’t bundle policies. Clearcover auto insurance has good ratings from the BBB, and its app is also highly rated.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 17, 2021

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Company Details
Address: 33 W Monroe St City
City: Chicago
State: IL
ZIP Code: 60603
Phone Number: 1-855-444-1875
Year Founded: 2016
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Drivers are looking for great coverage and cheap rates. The best auto insurance companies offer both. So what about Clearcover car insurance?

Clearcover is a newer car insurance company that offers a simplistic approach to coverage. Clearcover car insurance is only offered online, and most account access is through the app.

However, Clearcover has limited availability and discounts. Clearcover also does not use local agents to keep overhead and rates low.

Shop around before you buy Clearcover car insurance. Compare multiple companies to find the best deal for you.

Keep reading our Clearcover car insurance review to learn more. Enter your ZIP code to compare free quotes from car insurance companies in your area.

What are Clearcover car insurance rates?

Clearcover started in 2016 and is very new to the car insurance business. While you can only get Clearcover car insurance quotes through the website, coverage is only offered in 18 states.

Clearcover also doesn’t use local agents and expects drivers to use either the website or app to access their accounts. Drivers can pay bills, file claims, and get proof of insurance through the app.

If you are looking for a local agent that gives you a personal touch, Clearcover is not right for you. The company is completely digital, which helps keep rates low.

Since Clearcover auto insurance rates aren’t available, this table shows you average rates from top companies to give you an idea of costs.

Average Annual Car Insurance Rate Based on Type of Coverage
CompaniesAverage Annual Car Insurance Rate for Low CoverageAverage Annual Car Insurance Rate for Medium CoverageAverage Annual Car Insurance 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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Keep in mind that car insurance rates will vary greatly by the driver. Common factors that affect your rates include your age, ZIP code, and driving record.

Every car insurance company will look at these factors differently and offer various rates and discounts.

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What car insurance coverages does Clearcover offer?

Clearcover only offers car insurance. So if you are looking for a company that can bundle multiple policies, Clearcover might not be for you.

Most states require at least a minimum amount of car insurance. Clearcover can meet those needs since it offers liability, comprehensive, collision, medical payments, and uninsured and underinsured motorist coverages.

Clearcover also offers roadside assistance and rideshare coverages. Because your personal car insurance doesn’t cover working for a rideshare company, it’s convenient to be able to just add the needed coverage to your policy.

Alternate transportation coverage is also available from Clearcover. While many auto insurance companies offer rental car coverage if your vehicle is damaged, Clearcover makes things simple.

With alternate transportation coverage, Clearcover gives you $30 a day to pay for whatever type of transportation you would like, including rideshare, taxi, or public transit. The company gives you the option of picking the most convenient choice for you.

What car insurance discounts are available with Clearcover?

Car insurance discounts are an easy way for drivers to save money. While most insurance companies offer a ton of discounts, Clearcover only offers a few.

Clearcover car insurance discounts include:

  • Good driver discount
  • Paid-in-full discount
  • Multi-vehicle discount
  • Restraint discount
  • Defensive drive discount
  • Anti-lock brakes discount
  • Military discount

For comparison, this table shows you common car insurance discounts from top companies. If the amount of the discount is known, it is listed.

Car Insurance Discounts by Company
Auto 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
Anti-Theftxxx252025x15xx
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
Fast 5N/AN/AN/AN/AN/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
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
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 AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
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
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/Ax
OccupationxN/Axx1015N/AN/AxN/A
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
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/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
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Discounts can have a significant impact on the cost of your auto insurance. Even if a company initially offers lower prices, adding discounts can change which company is the cheapest for you.

How do you cancel Clearcover car insurance?

Call customer care at 1-855-444-1875 to cancel your Clearcover insurance. You can also use the Clearcover app to connect with a customer support agent.

It is easy to cancel your Clearcover car insurance at any time, but there are some things to be aware of.

First, you may be charged a cancellation fee depending on where you live. Clearcover auto insurance policies are just six months long, so it might be smarter to wait until your policy is up for renewal.

Second, you need to have your name, address, and policy number available when you want to cancel.

Basic steps to canceling Clearcover car insurance are:

  • Find out when your policy is set to renew. If the renewal date is soon, it may be cheaper not to renew your policy instead of canceling it.
  • Shop around for car insurance. Every company will weigh your personal factors differently, so compare multiple companies to find the right coverage and rates for you.
  • Set up your new policy. Fill out any needed paperwork and complete the application process. Pick a date for your policy to begin that is before your current policy ends.
  • Contact Clearcover to begin the cancellation process, or to let them know you don’t want to renew. Make sure your end date is after the start date for the new policy.
  • Follow up with Clearcover after your policy is over to determine if you are due a refund.

It’s very important that your Clearcover policy does not end before your new coverage begins.

According to the Insurance Information Institute, driving without valid car insurance can lead to fines, driver’s license suspension, and jail time. Not to mention, your car insurance rates will be much higher when you do resume coverage.

How do you file a car insurance claim with Clearcover?

Filing a car insurance claim with Clearcover is very easy. You can begin the process through the app and even upload pictures of the damage to your vehicle.

Clearcover boasts a very fast time to process claims. Some appraisals are sent back immediately with claims closing in less than a week.

However, be aware that filing an auto insurance claim can raise your rates. It might be a good idea to pay for damages yourself if you are able. While your upfront costs will be much higher, you will keep your Clearcover car insurance rates lower.

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What are the Clearcover car insurance ratings?

When it comes to an insurance company, rates aren’t the only factor to consider. Ratings are also important. You need to know that you can trust your car insurance company to be there when you need them.

A.M. Best rates companies on financial stability. Since the Clearcover car insurance company is so new to the insurance field, it hasn’t been rated yet. However, its underwriter Fortegra has an A- rating showing an excellent ability to meet financial obligations.

Clearcover does have a Better Business Bureau rating (BBB). The BBB rates companies on how well they interact with customers, and Clearcover received an A rating and accreditation.

Since Clearcover requires customers to use an app for most policy functions, the app needs to perform extremely well. The Clearcover app received a 4.7/5 rating in both the Google Play and Apple App Stores.

Clearcover Car Insurance: The Bottom Line

You may be able to find affordable Clearcover car insurance, but availability and discounts are limited.

Clearcover is a good fit for drivers looking for just the basics and don’t need a personal touch. However, it’s not a good fit for drivers who want a local agent or don’t have a smartphone.

Compare different companies to find the best coverage with the cheapest rates for you.

We hope you’ve learned all you need to know about Clearcover car insurance. Before you leave, enter your ZIP code to compare free car insurance quotes from companies near you.

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