Clearcover Auto Insurance Review (2022)

Clearcover auto insurance is about 32% cheaper than the average auto insurance rates from the best insurance companies. You can get Clearcover car insurance for as low as $80 a month. However, your Clearcover auto insurance rates will vary based on personal factors. Clearcover is an internet-only car insurance company and is available in 15 states.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Nov 16, 2021

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A Concise Overview

  • Clearcover auto insurance is available in 15 states
  • You can get Clearcover auto insurance for as low as $80 a month
  • Clearcover doesn’t have an A.M. Best or J.D. Power rating

Were you looking for more information about the Clearcover auto insurance company? Look no further.

This Clearcover auto insurance review has everything you need to know. That includes how to get Clearcover auto insurance quotes, what auto insurance coverages are available, and how Clearcover is rated.

Read on to learn all about Clearcover auto insurance. Before you start, enter your ZIP code in the free online quote tool above to compare multiple insurance companies near you.

How much are Clearcover auto insurance rates?

Clearcover car insurance is a small company with rates that are 32% less than bigger insurance companies in the United States.

According to the National Association of Insurance Commissioners (NAIC), car insurance can be as low as $48 a month.

However, auto insurance rates depend on several factors such as age, driving record, credit history, and where you live.

Let’s compare full coverage Clearcover car insurance rates to some of the best auto insurance companies in the United States.

  • Allstate – $318/month
  • American Family – $224/month
  • Clearcover – $177/month
  • Farmers – $288/month
  • GEICO – $179/month
  • Liberty Mutual – $398/month
  • Nationwide – $229/month
  • Progressive – $283/month
  • State Farm – $235/month
  • Travelers – $287/month
  • USAA – $161/month

Besides USAA, Clearcover has the cheapest full coverage auto insurance on the list. And, since USAA is only available to military veterans and their immediate families, that makes Clearcover the cheapest for most people.

If you are looking for more affordable car insurance, Clearcover may be the car insurance company you need. But before you buy, you should consider other factors that impact auto insurance.

How much are Clearcover auto insurance rates based on your driving history?

The key to affordable car insurance is to keep a clean driving record. Any traffic violation or accident can increase your rates.

Check out the auto insurance rates below to see how accidents affect Clearcover and the best auto insurance companies in the United States.

Comparing Clearcover Auto Insurance Rates to the Best Companies
CompaniesFull Coverage Auto Insurance Rates with a Clean Driving RecordFull Coverage Auto Insurance Rates Based with One AccidentLiability-Only Auto Insurance Rates with a Clean Driving RecordLiability-Only Auto Insurance Rates with One Accident
Allstate$318$416$162$212
American Family$224$310$114$158
Clearcover$177$233$90$118
Farmers$288$377$147$192
GEICO$179$266$91$136
Liberty Mutual$398$517$203$264
Nationwide$229$283$117$144
Progressive$283$398$144$203
State Farm$235$283$120$144
Travelers$287$357$147$182
USAA$161$210$82$107
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Clearcover may not be the cheapest, but its monthly rates compete with GEICO.

We included liability-only coverage to give you an idea of how low car insurance rates can be with bare bones coverage.

How does age affect Clearcover auto insurance quotes?

Age is has a big impact on car insurance. Take a look at the cost of auto insurance from various companiesas well as Clearcover to see which is more affordable.

Comparing Clearcover Monthly Auto Insurance Rates by Age and the Best Companies
CompaniesMonthly Auto Insurance Rates for 21-Year-Old DriverMonthly Auto Insurance Rates for 25-Year-Old DriverMonthly Auto Insurance Rates for 30-Year-Old DriverMonthly Auto Insurance Rates for 40-Year-Old DriverMonthly Auto Insurance Rates for 60-Year-Old Driver
Allstate$321$246$158$165$200
Farmers$261$189$103$133$139
Clearcover$182$129$82$80$91
GEICO$251$193$91$97$122
Liberty Mutual$424$256$125$120$191
Nationwide$260$187$106$113$118
Progressive$250$167$149$130$110
State Farm$220$150$147$104$102
USAA$161$130$81$80$87
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As you get older, car insurance rates decrease, as a general rule. There are other factors that will affect how much you pay for car insurance, and can mean higher rates.

Can credit history impact Clearcover auto insurance?

The answer is yes. Good credit can lower your car insurance rates. Meanwhile, bad credit can drive up your rates. But what does that look like for Clearcover car insurance?

Let’s review the monthly Clearcover auto insurance rates based on credit.

Comparing Clearcover Monthly Auto Insurance Rates by Credit History
CompaniesGood Credit HistoryFair Credit HistoryBad Credit History
Allstate$322$382$541
American Family$224$264$372
Clearcover$180$209$291
Farmers$306$325$405
GEICO$203$249$355
Liberty Mutual$366$467$734
Nationwide$244$271$340
Progressive$302$330$395
State Farm$181$238$413
Travelers$338$362$430
USAA$152$185$308
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Clearcover is more affordable than GEICO and State Farm if you have a good credit score. However, you’ll pay over $100 more for Clearcover auto insurance if you have bad credit.

Auto insurance is cheaper with good credit because it tells the insurance company you’re responsible. However, fair and bad credit has the opposite effect on your rates.

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Where can you buy Clearcover auto insurance?

Although Clearcover is cheaper than some of the best auto insurance companies, it’s not available in all 50 states.

Clearcover car insurance is available in 15 states. Here’s a list of states where Clearcover provides auto insurance coverage:

  • Arizona
  • California
  • Georgia
  • Illinois
  • Indiana
  • Louisiana
  • Maryland
  • Missouri
  • Nebraska
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Texas
  • Utah
  • Wisconsin

Clearcover car insurance is limited to a few states, but some of the best insurance companies have national reach.

Does Clearcover auto insurance have several coverage options?

Clearcover car insurance may be small compared to the competition, but it has the basic coverage options. Here are the auto insurance coverages you can buy at Clearcover.

  • Bodily injury liability (BI)
  • Property damage liability (PD)
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage (UM/UIM)
  • Medical payments (MedPay)

Clearcover provides the basics, but they don’t list personal injury protection (PIP) as an option.

Therefore, Clearcover won’t be a good choice for drivers living in a state that requires PIP.

What are the other Clearcover auto insurance options?

Clearcover has something called alternate transportation coverage. This coverage option pays for ridesharing, public transit, and rental car when your vehicle is being fixed after an accident.

Rideshare insurance is available to Clearcover customers who use their vehicles as rideshare businesses. However, Clearcover won’t cover delivery services, such as GrubHub or DoorDash.

Glass coverage and roadside assistance are also available from Clearcover.

Does Clearcover auto insurance have bundling options?

The answer is no. Since Clearcover doens’t write any other types of insurance policies, there’s no way to bundle.

What are the best Clearcover auto insurance discounts?

The Clearcover car insurance company has a few discounts you can use, but you have to qualify for each deal. Here’s the list of Clearcover auto insurance discounts.

  • Safe driving discount
  • Pay-in-full discount
  • Paperless discount
  • Safety features discount
  • Military discount

A safe driving discount can save you up to 40% at some car insurance companies. But Clearcover doesn’t announce discount values.

However, you can secure cheaper rates when you qualify for multiple auto insurance deals. Stacking discounts can save you hundreds of dollars per year.

What are the advantages and disadvantages of Clearcover auto insurance?

Clearcover has all the essentials of a good car insurance company, but there are a few drawbacks. Let’s explore some pros and cons of Clearcover auto insurance.

  • Pros
    • Easy-to-use mobile app
    • Provide rideshare insurance
    • Affordable auto insurance rates
    • Has several car insurance discounts
    • Carries essential auto insurance coverages
  • Cons
    • Limited availability across the United States
    • Only sells auto insurance
    • No bundling options
    • Clearcover doesn’t provide personal umbrella insurance

Clearcover has more pros than cons. Ultimately, it’s up to you to decide the Clearcover Insurance Company is a good choice for car insurance coverage.

Does Clearcover auto insurance have good ratings?

Clearcover doesn’t have a J.D. Power or A.M. Best ratings. However, it’s been rated an A+ with the Better Business Bureau. Also, Clearcover has over four stars on Google Play and Apple App Store.

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How do I cancel Clearcover auto insurance?

If you think you made a mistake when you bought Clearcover car insurance, you can cancel your policy by calling the Clearcover Insurance Company customer service number at 1-855-444-1875.

If you contact Clearcover within seven days, you may receive a refund if you’ve paid your car insurance bill in full or if you’ve made a small deposit to start your policy.

You can also cancel with a Clearcover customer service agent through the Clearcover App.

Do you have to pay a cancellation fee when you cancel Clearcover auto insurance?

Clearcover doesn’t report any cancellation fees after you cancel. To be sure, contact Clearcover to learn more details about cancellation fees.

When should I cancel Clearcover auto insurance?

You can cancel your car insurance policy whenever you want, but you should pick a date when you cancel, especially if you’ve had coverage for a while.

It’s best to cancel your auto insurance coverage after you have another insurance policy set up.

How do I make a Clearcover auto insurance claim?

You can file a Clearcover car insurance claim in three ways: over the phone, by email, or using the Clearcover mobile app.

If you want to contact Clearcover by phone, contact their customer service center at 1-855-444-1875 and file a claim through a Clearcover representative.

To file a claim through the Clearcover mobile app, follow these steps:

  1. Open the Clearcover mobile app
  2. Go to the claims section
  3. Answer a few questions about the accident
  4. Snap pictures of the damage
  5. Clearcover begins processing your auto insurance claim

Clearcover tracks the insurance claim process and keeps you informed 24/7.

The Clearcover Insurance Company says that it provides a claim payout within a week. Clearcover can even provide claim payouts on the same day if the accident is a minor fender bender.

How did the Clearcover Insurance Company start?

Clearcover was founded in 2016 by two former American Family Insurance employees named Kyle Nakatsuji and Derek Brigham.

Clearcover has 324 employees and is based in Chicago, IL.

Although Clearcover is new compared to some competitors, its car insurance policies are underwritten by Lyndon Southern and Response Indemnity of California, which are owned by Fortegra.

Clearcover has an online presence but struggles to make rankings with the top insurance rating agencies.

However, Clearcover has invested its efforts by celebrating Hispanic Heritage Month and prioritizing good mental health for employees.

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Clearcover Auto Insurance: The Bottom Line

Several factors determine whether affordable Clearcover auto insurance is available to you. For example, a clean driving record and good credit are a sure way of getting cheap Clearcover car insurance.

The downside to Clearcover auto insurance is its limited availability across the nation. Also, it’s only an internet-based company with agents available by phone, email, and its mobile app.

Before you buy Clearcover auto insurance, use our free online quote tool to compare multiple insurance companies in your area.

Frequently Asked Questions: Clearcover Auto Insurance

Do you want to know more about Clearcover car insurance? Read these answers to frequently asked questions to learn more.

#1 – Is Clearcover a good auto insurance company?

Yes, it is. Clearcover has an A+ with the Better Business Bureau (BBB) and over four stars on Google Play and Apple App Store.

#2 – How long has Clearcover auto insurance been in business?

Clearcover has been in business for over five years.

#3 – Is Clearcover ranked in the top auto insurance companies in the United States?

No, it isn’t. However, its auto insurance rates are more affordable than some of the best companies.

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