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Clearcover Car Insurance Review: Costs and Ratings (2023)

Clearcover is a tech-focused company that aims to simplify car insurance with its full-featured and intuitive mobile app.

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Jess Ullrich
Written by
Jess Ullrich
Jess Ullrich
Written by
Jess Ullrich
Insurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Katie Powers
Edited by
Katie Powers
Photo of an Insurify author
Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Updated December 21, 2022

If you search for car insurance online, you might be surprised how many different providers you’ll find. It can be difficult to parse out legitimate companies from those that aren’t as reputable. One of the providers you may encounter is Clearcover. While this company is relatively new compared to many large, established insurers, it’s legit and its customers have positive feedback overall.

Quick Facts

  • Clearcover is a tech-focused car insurance company that launched in 2016.

  • The company offers a handy mobile app that lets users file claims, pay bills, and get roadside assistance.

  • Clearcover is well-rated overall, receiving an impressive Insurify Composite Score of 97.

What is Clearcover auto insurance?

Founded in 2016, Clearcover is a relative newcomer to the insurance industry, but its founders, President and CEO Kyle Nakatsuji and COO Derek Brigham, have decades of insurance industry experience. They launched Clearcover with the primary goal of using innovative AI technology to lower insurance costs for consumers. 

While the company doesn’t disclose how many customers it serves, the Clearcover app has been downloaded from Google Play more than 100,000 times,[1] suggesting it’s a popular choice for those seeking new or more affordable car insurance coverage.

How does Clearcover auto insurance work?

Clearcover is a tech- and customer-focused insurance company. Prospective policyholders can get a quote online in just a few moments, and existing customers can access their coverage, make payments, file claims, and more through the Clearcover mobile app. Like other insurance companies, Clearcover profits from the policies it issues.

Clearcover auto insurance coverage

Clearcover offers the following auto coverage options:

  • Bodily injury liability: This coverage pays for the medical costs of others injured in an accident you’re responsible for, as well as their lost wages and your legal fees if you’re sued after an accident.

  • Property damage liability: Pays for any damage you cause to another vehicle or someone else’s property.

  • Collision: Collision insurance pays for damage to your vehicle after an accident, no matter who’s at fault.

  • Comprehensive: Comprehensive insurance covers the cost of repairs if your car is damaged by non-collision events, like natural disaster, theft, or vandalism. 

  • Uninsured/underinsured motorist: If your vehicle is hit by an uninsured or underinsured driver, this coverage helps pay for your medical bills and car repairs.

  • Personal injury protection (PIP): Also called no-fault coverage, PIP helps pay for your medical costs, regardless of who’s responsible for an accident. In some cases, it also pays for lost wages or funeral costs.

  • Alternate transportation: This add-on can cover the cost of alternative transportation if your car is damaged and not driveable due to a covered incident.

  • Roadside assistance: If your car breaks down, this insurance add-on pays for the cost of tow services or other types of roadside assistance. 

The average cost of a full-coverage policy from Clearcover — with collision, comprehensive, and liability insurance — is $197 per month. Drivers who opt for liability-only coverage will pay around $146 per month.

How to get a Clearcover car insurance quote

While you can get an online quote on the Clearcover site, comparing coverage from multiple insurers can help you determine the insurer and policy that’s best for you. Insurify lets you quickly compare car insurance quotes from top companies by entering your ZIP code and some basic information about your cars and driving record. You’ll be able to see how Clearcover compares to what other companies offer. 

Clearcover car insurance cost by state

The cost of a Clearcover policy will vary based on your needs, location, and other factors. Car insurance requirements, for example, differ by state. Certain states only require drivers to carry bodily injury and property damage liability coverage, while others require additional types of insurance. Specific coverage minimums also vary by state. 

Here’s the average monthly cost of a full-coverage Clearcover policy in the 15 most-populated U.S. states:

StateAverage Monthly Rate
Alabama$162
Arizona$165
California$181
Georgia$321
Illinois$150
Indiana$104
Kentucky$303
Louisiana$375
Maryland$266
Missouri$163
Ohio$122
Pennsylvania$172
Texas$185
Virginia$156
Wisconsin$132
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Read More: Minimum Car Insurance Requirements by State

Clearcover auto insurance rates by driving history

In addition to location and coverage amounts, your driving history will also affect the cost of your Clearcover premiums. In general, those with clean records pay much lower monthly premiums than those who have speeding tickets, at-fault accidents, or DUIs.

The following table provides insight into how certain driving infractions can affect monthly insurance rates.

Driving HistoryAverage Monthly Rate
Clean record$189
Speeding tickets$227
At-fault accidents$256
DUIs$376
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: Cheapest Car Insurance by Driving Record

Clearcover car insurance costs by age

Car insurance costs also vary based on a driver’s age. Teen drivers and policyholders under 25 typically pay the most for coverage, while middle-aged and older drivers pay the least. Insurance companies typically view teen drivers as higher-risk and more likely to file claims, so they charge higher premiums. Here’s a look at monthly average Clearcover car insurance costs by age in the table below.

Driver AgeAverage Monthly Rate
Teenager$414
Under 25$262
25-29$192
30-39$184
40-49$187
50-59$170
60-69$159
70-79$163
80+$166
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Clearcover car insurance discounts

Many insurers offer discounts that help reduce the cost of your policy, but Clearcover handles discounts a bit differently. Instead of offering common discounts like safe driver or student discounts, Clearcover claims to factor those savings into its policy costs automatically. 

Clearcover won’t provide a long list of discounts you may see with another insurer, but the company does offer military discounts. Active military members receive a 15% discount in all states with available coverage, but those in Louisiana can get a larger 25% discount for themselves and their children.[2] 

Clearcover Insurance bundling options

Clearcover doesn’t offer bundling discounts because it only offers auto policies. Those interested in life, homeowners, or renters coverage would need to look elsewhere for a policy — and a bundling discount. 

Check Out: Compare Home and Auto Insurance Bundles

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Clearcover Insurance reviews and ratings

Customers have positive feedback about Clearcover overall, though the company receives some negative reviews as well.

Clearcover customer reviews

Clearcover ratings

  • Trustpilot: 4.1 out of 5 stars

  • Wallethub: 4.5 out of 5 stars

  • Better Business Bureau: 3.71 out of 5 stars

  • Google reviews: 3.9 out of 5 stars 

  • Insurify Composite Score: 97 out of 100

Clearcover vs. other insurance providers

A highly saturated market, the car insurance industry includes countless insurance companies and agencies available for people to choose from. Comparing coverage results in substantial savings and allows you to consider the best insurance options for you. Here’s how Clearcover compares to other popular insurance providers.

Clearcover vs. GEICO

Founded in 1936, GEICO is an established insurance company offering auto, homeowners, renters and other types of coverage. GEICO earned the highest possible financial stability rating of A++ from AM Best. However, GEICO’s customer reviews are fairly negative, unlike Clearcover’s reviews.

The average monthly cost of a full-coverage policy with GEICO is $156, while liability-only coverage costs $102 on average. Clearcover charges an average of $197 per month for full coverage and $146 per month for liability only.

Clearcover vs. Root

Founded in 2015, Root specializes in helping good drivers save money on auto coverage. The Root app tracks your driving behaviors, including when you drive, how you brake and turn, and if you use your cell phone behind the wheel.[3] It then uses that information to calculate quotes. 

Like Clearcover, Root receives decent reviews from its customers and isn’t rated by AM Best. But unlike Clearcover, Root offers homeowners and renters coverage in addition to car insurance.

Clearcover vs. Progressive

Founded in 1937, Progressive is one of the largest insurance companies in the U.S. The company offers auto, home, life, renters, and other coverage types, as well as ample discounts. Progressive’s average full-coverage policy costs $193 per month, while liability-only coverage averages at $126 per month. While Clearcover customers share positive feedback overall, Progressive’s customer reviews skew negative. However, AM Best gave Progressive an A+ (superior) rating, signaling the company’s financial stability.

More about Clearcover Insurance

Clearcover recently ranked among the top 3% of companies on the Inc. 5000 list, which tracks fast-growing private companies in the U.S. It’s also ranked as a top insurance company by several other major media outlets.

Pros

  • Simple to get coverage

  • Option to file claims through the mobile app

  • Positive customer ratings

Cons

  • Only offers auto insurance

  • Few discounts available

  • Coverage only available in 20 states

Filing an auto insurance claim with Clearcover

When you’re involved in an accident that damages your or someone else’s car, you need to file a claim with your insurer. The insurance company will then assess the damage, determine fault, and disburse claims accordingly.

It’s simple to file a claim with Clearcover. You can file through the Clearcover mobile app, which allows you to take photos of damage, share the other driver’s information, and offer a description of what happened. If you prefer to file a claim by phone, you can call (855) 444-1875 and speak to an agent.

Who owns Clearcover Insurance?

Clearcover is a privately owned insurance company that’s raised significant capital from large investment firms. Its current estimated valuation is over $1 billion.

How to reduce your car insurance costs

You can take several steps to reduce your car insurance costs, including the following: 

  • Improve your credit. Insurance companies often look at your credit history when calculating policy premiums, if state law allows them to. Those with poor credit may be considered a higher financial risk, which results in higher policy costs.

  • Bundle your policies. While you can’t bundle policies with Clearcover, bundling coverages like auto and home insurance with applicable companies does result in lower costs.

  • Find discounts. Researching discounts can also help you reduce your car insurance costs. Active military members can access a discount with Clearcover.

  • Compare providers. Using an insurance-comparison website makes it simple to shop around for coverage and find an affordable policy.

Clearcover Insurance FAQs

Here are the answers to some commonly asked questions about Clearcover Insurance.

  • Yes, Clearcover is a legitimate auto insurance company that was founded in 2016 and has a valuation over $1 billion. It exclusively issues auto policies in 20 U.S. states.

  • Clearcover is a financially sound, reputable company that may suit your needs. Despite slightly more expensive premiums than some competitors, Clearcover could still be the right choice depending on your situation. Comparing coverage helps you find the best option for your needs.

  • The average monthly cost of a full-coverage policy from Clearcover is $197, and liability-only coverage is $146 per month on average. Your rate will vary depending on your coverage needs, driving history, age, and more.

  • Clearcover is not rated by AM Best, though it did earn an A rating for financial stability from Demotech, another independent financial analysis and ratings firm.

  • Clearcover is only available in 20 U.S. states: AL, AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI, WV.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Google Play. "Clearcover Car Insurance App." Accessed December 20, 2022
  2. Clearcover. "Clearcover discounts." Accessed December 20, 2022
  3. Root Insurance. "Take the Root test drive and save." Accessed December 20, 2022
Jess Ullrich
Written by
Jess Ullrich
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Insurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Learn More
Katie Powers
Edited by
Katie Powers
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.