Clearcover vs The Hartford Car Insurance

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Last Updated: January 2022


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Insurify Composite Score

The Hartford
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Insurify Composite Score

Clearcover VS The Hartford
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User Ratings
OptionsClearcover The Hartford
312 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsClearcover The Hartford
Call Center Representative--About average
Insurer Website--Better than most
Overall Satisfaction--Better than most
Policy Offerings--Better than most
Pricing--Better than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsClearcover The Hartford
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--Better than most
Rental Experience--The rest
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionClearcover The Hartford
California--835 pt
Better than most
Florida--806 pt
The rest
Mid-Atlantic--839 pt
About average
North Central--838 pt
Better than most
Northwest--832 pt
Better than most
Southwest--838 pt
Among the best
Mobile App Ratings
RegionClearcover The Hartford
376 Reviews
47 Reviews
Financial Ratings
OptionsClearcover The Hartford
A.M. BestA-A+
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityClearcover The Hartford
Santa Monica--$76

For Single Drivers

CityClearcover The Hartford
Santa Monica--$143

For Male Drivers

CityClearcover The Hartford
Santa Monica--$138

For Female Drivers

CityClearcover The Hartford
Santa Monica--$81

For Drivers with Speeding Ticket

CityClearcover The Hartford
Santa Monica--$213

For Drivers with No Speeding Ticket

CityClearcover The Hartford
Santa Monica--$87

For Drivers Age Between 18-40

CityClearcover The Hartford
Santa Monica--$165

For Drivers Age Between 40-65

CityClearcover The Hartford
Santa Monica--$68

For Drivers Age of 65+

CityClearcover The Hartford
Santa Monica--$56

For Drivers with Average Credit

CityClearcover The Hartford
Santa Monica--$97

For Drivers with Fair Credit

CityClearcover The Hartford
Santa Monica--$81

For Drivers with Good Credit

CityClearcover The Hartford
Santa Monica--$83

For Drivers with Excellent Credit

CityClearcover The Hartford
Santa Monica--$176

Quotes & Discounts

Discount typeClearcover The Hartford
Anti-Theft DeviceVariesUp to 15%
Driving trainingVariesVaries
Good DriverVaries--
Multiple PolicyVariesUp to 20%
Multiple VehicleVaries--
Passive RestraintVariesUp to 3%
Defensive Driver--Up to 5%
Good Student--Up to 15%
Paid in full--Varies
teenSMART--Up to 10%

Payment Methods

Discount typeClearcover The Hartford
Automatic Online Payment
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Mail Payment
Mobile App Payments
Online Payment
Phone Payment

Features and Services

Features and ServicesClearcover The Hartford
24/7 service--yes
Accident forgiveness--yes
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account management--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesClearcover The Hartford
Accident Forgiveness
Antique or Collector Car Insurance
Comprehensive Claim Forgiveness
Emergency Assistance Coverage
Glass Coverage --yes
New Car Replacement Coverage
Rental Reimbursement
Ridesharing Coverage
Roadside Assistance
Umbrella Policy
Vanishing Deductible

Insurance by State

Online Quoting by State

  • Clearcover
  • The Hartford
  • Both

Compare Insurance Products

ProductClearcover The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
Ridesharing InsuranceRidesharing Insuranceyes--

User Reviews

  • Clearcover Reviews
  • The Hartford Reviews
5 Stars
86 %
4 Stars
4 %
3 Stars
2 %
2 Stars
2 %
1 Star
7 %

Most Positive Review

By L Strong
Love your services thank you !!!

Most Critical Review

By Margaret Myers
Glitchy and hard to use. Clearcover does not like to give full refunds.Impossible to get anyone on the phone

All Reviews

Showing 1 - 10 out of 312 Reviews
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Read reviews that mention

L Strong
Love your services thank you !!!
Hosep Yepremian
New customer but so far, the experience has been great. Very friendly and do get things done quickly. Love the app as well.
Pradeep Kumar Aitha
Ibrahim Sami
Arman Sargsyan
Kelsey Triesch
They are always super fast to fix my problems (once from locking my keys in my car and the other from damage to my car). I also think they are reasonably priced and very kind people in my experience! ( :
jacob bishop
Tony Bracy
I'm very happy with you guys, your always so helpful and Courteous, and helpful. Glad to be member
Mick Waller
I've only been with them for 3 months - some misunderstandings in the policy-switch-over-paperwork... but they worked it out, and were very friendly. I'm saving money, so, so-far-so-good.
Nathan Smith
Showing 1 - 10 out of 312 reviews


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.