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Clearcover Car Insurance Review (With Quotes, Updated May 2022)

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Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen

Last Updated April 5, 2022

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Clearcover in a Nutshell

  • The average cost of car insurance with Clearcover is $172 per month.
  • Clearcover is good for drivers who love a great mobile app and online services.
  • Clearcover isn't the best option for customers who want all their insurance policies in one place.

Clearcover offers what it calls “smarter” car insurance for $172 per month on average in 20 states and counting. Putting tech first, Clearcover wants to pose a direct challenge to the big insurance providers, saying it can offer lower prices by cutting down on huge advertising budgets and other outdated strategies.

This Chicago-based insurance provider is an exciting newcomer, but the field of auto insurance is full of solid options. You’ll want to put Clearcover on your list, but also make sure you’re getting quotes from as many insurance companies as you can. And Insurify is here to help. In minutes, it provides a free list of bona fide quotes from the best insurers in your area.

Clearcover Industry Rankings and Scorecard

Clearcover is young—it launched in 2016—but the company has quickly gained credibility. It’s been Better Business Bureau (BBB) accredited since 2017 and earns an A+ rating for financial stability. These and other promising metrics factor into Clearcover’s impressive ICS score of 97. The company is not yet rated by J.D. Power or other industry rating entities.

Even though Clearcover hasn’t been scored yet, their parent company, Fortegra, has earned high financial stability ratings.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Industry RankingClearcover Rating
Insurify Composite Score (ICS)97 out of 100
Better Business BureauA+
A.M. BestExcellent
NAIC Complaint IndexAverage number of complaints

Clearcover Car Insurance Quotes by Driver History

As with every insurance company, your driving record will influence your rates. You can see in this chart that Clearcover is no different. Drivers with the cleanest driving records get the lowest rates. Violations will linger on your record for three to five years, but after that, it’s a clean slate!

Driver ProfileClearcover Average Monthly PremiumNational Average
Clean Record$155$77
DUI$160$155
At-Fault Accident$223$113
Speeding Ticket$191$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Clearcover Car Insurance Quotes by State

From California to Chicago to the Chesapeake, Clearcover has expanded its coverage rapidly in its young tenure. It operates in 20 states and says if it’s not yet in your area, it will be soon, as the company is expanding quickly. And your location may well play a role in whether or not you choose Clearcover for auto insurance. Different states pay vastly different rates on average:

StateClearcover Average Monthly Premium
Alabama$172
Arizona$131
California$149
Georgia$268
Illinois$126
Indiana$91
Kentucky$351
Louisiana$292
Maryland$233
Missouri$133
Mississippi$390
Nebraska$132
Ohio$102
Oklahoma$138
Pennsylvania$141
Texas$153
Utah$114
Virginia$148
West Virginia$206
Wisconsin$110
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Clearcover Car Insurance Pros and Cons

Clearcover is a nontraditional car insurance company with characteristics that some will regard as advantages—while others will miss the comforts of a legacy insurance company. Take a look at our pros and cons list to see if you’re the kind of policyholder that makes you a match for Clearcover:

Pros

  • Excellent online experience and mobile app

  • Decent insurance rates

  • Fast quoting ability

Cons

  • No insurance agents to talk to about coverage options

  • No bundling

Clearcover Car Insurance Discounts

Clearcover positions itself as an outsider. When it comes to auto insurance discounts, this could not be more clear. Clearcover doesn’t advertise a slate of insurance discounts the way most auto insurance companies do. This is part of its commitment to making insurance simple, fast, and easy. But no worries: it claims to reward drivers for safe driving, paperless billing, etc.

Driver-Based Discounts

Customers can snatch up discounts for having a safe vehicle, driving safely, and keeping a great driving record. They’re just not advertised in specifics, and Clearcover wants to show you one rate that helps you save money compared to other insurance companies. But there’s one discount Clearcover offers: active military personnel save 15 percent.

Policy-Based Discounts

Though it doesn’t list discounts for customers to select or miss out on, Clearcover mentions handling your documents electronically and paying ahead of time as “built-in” ways to save money on its auto insurance policies. In addition, Clearcover’s policies are on six-month terms. It says this is so you can be rewarded for safe driving by keeping your driving record updated.

Bundling Discounts

Unlike plenty of insurance companies, Clearcover only offers homeowners insurance through a partner called Hippo, and as a result, bundling with renters, homeowners, life, or other insurance policies is not an option. But for drivers who only need an auto insurance policy, this is no real loss.

See More: Cheap Car Insurance

Clearcover Car Insurance Coverage Options

With its Coverage Wizard, Clearcover helps you design your own insurance policy around your needs. With Clearcover, you’ll find a standard slate of coverage options, starting with bodily injury and property damage liability insurance. You can also purchase comprehensive coverage and collision coverage, uninsured/underinsured motorist, and medical payments coverage.

Similar to its approach to discounts, Clearcover doesn’t list a bunch of frilly add-ons. It prefers to work with you directly to design a policy based on your needs. That’s an interesting approach, but you’ll want to be sure you’re getting better coverage than your previous policy. If you’re a rideshare service worker, Clearcover has a rideshare endorsement that might be perfect.

Roadside Assistance

Roadside assistance is available to Clearcover customers through the Clearcover app or at 1 (855) 444-1875. This is a standard perk for policyholders, but it’s a sign that an insurance company is available for you when you need help the most, which is what insurance is supposed to be about.

Streamlined Glass Claims

Also in the Clearcover app, the company’s claims process has a special, even faster way to file glass claims through Safelite. An annoying hiccup like windshield damage is exactly when speed counts the most, so this is a great chance to test out Clearcover’s claims process, which it likes to say is faster than the rest.

Rideshare Coverage

In keeping with its self-styled “modern” reputation, Clearcover wouldn’t be a digital-first insurance company without a special endorsement for the most digital drivers on the road: rideshare service drivers, who are on the road with passengers from Uber, Lyft, and other services.

Alternate Transportation Coverage

Also on the theme of rideshare coverage, while most insurance companies will reimburse your bills for a rental car if a covered loss puts your car in the shop, Clearcover offers a $30 per day budget for alternate transportation, like a rideshare or public transportation. Depending on your area, this could be more convenient than a rental car.

See More: Compare Car Insurance

Clearcover Car Insurance Reputation

Is Clearcover car insurance good?

Clearcover car insurance ranks generally well for claims and customer satisfaction, financial strength, and affordability. The average monthly cost for a policy with Clearcover is $172.

Clearcover presents itself in a fresh and exciting way, claiming to herald a new future for car insurance. Even though the company’s customer reviews and insurance rates don’t stand out significantly from the rest, its mobile app does, and in a short time, Clearcover has expanded while maintaining a stable financial profile and providing solid insurance coverage.

Clearcover Customer Service

You can reach Clearcover customer service by email. The company also staffs customer advocates from morning till night on weekdays and till late afternoon on the weekends. Customer advocates receive decent reviews for resolving customer complaints and supporting the claims process.

Clearcover Claims Filing Process

Clearcover policyholders can file claims in the Clearcover mobile app. The claims process is hailed as Clearcover’s main innovation: the company says that thanks to its technology, the process is hassle-free, and Clearcover validates claims faster than the rest. It sounds good, but customer reviews don’t quite back it up. Still, Clearcover says most claims are paid in a week.

See More: Car Insurance Quotes

Clearcover: Is it right for you?

Clearcover appeals to digital-focused drivers with a killer mobile app, sleek online branding, and doing things fast, from the claims process to your bill payments to delivering quotes. That’s a nice pitch, but you’ll want to use Insurify’s award-winning quote-comparison tool to check out all your options. In just a few minutes, you can have access to a list of free quotes tailored to you.

Frequently Asked Questions

  • Clearcover has a celebrated mobile app and is a reputable, financially stable company. It’s also new and in 20 states, with plans to expand to all 50. While Clearcover doesn’t offer the best premiums on average or the highest-rated customer service, it’s a solid insurance company that might fit your auto insurance needs—especially if you drive for a rideshare service.

  • According to Insurify, Clearcover charges annual premiums of $172 per month. That’s not very low, but Clearcover isn’t a bargain-insurance company looking to sell minimum policies—it wants to draw customers from the biggest car insurance companies on the market and advertises that drivers can save when they switch from Progressive, GEICO, and others.

  • Clearcover offers you an insurance quote with all its discounts built-in. This is part of its attempt to appear different from other auto insurance companies: what you see is what you get. The company does say that you’ll save money when you pay up front, have a clean driving record, go paperless, and the like: it just avoids the typical song and dance about discounts.

  • You deserve great car insurance, and you shouldn’t have to pay through the nose to get it. Here’s a surefire way to find that Goldilocks auto insurance policy: Insurify. Spend just a few minutes telling Insurify about your auto insurance needs, and you’ll have access to a free list of insurance quotes from the important companies in your area. And yes: it’s free!

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell
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Content Writer at Insurify

Charlie Mitchell is a journalist, researcher, and copywriter living in Minneapolis. He's contributed to Vox, Mother Jones, The New Republic, and other magazines and websites.

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