Clearcover vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Clearcover
97
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Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Clearcover VS USAA
97
96
What is this?
User Ratings
OptionsClearcover USAA
Rating/Reviews
312 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsClearcover USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsClearcover USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionClearcover USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionClearcover USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsClearcover USAA
A.M. BestA-A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityClearcover USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityClearcover USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityClearcover USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityClearcover USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityClearcover USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityClearcover USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityClearcover USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityClearcover USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityClearcover USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityClearcover USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityClearcover USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityClearcover USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityClearcover USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeClearcover USAA
Anti-Theft DeviceVariesUp to 20%
Driving trainingVariesVaries
Good DriverVariesUp to 10%
MilitaryVariesUp to 15%
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
OccupationVaries--
Passive RestraintVariesUp to 15%
PersistencyVaries--
Accident Forgiveness--Varies
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Family--Up to 10%
Good Student--Varies
Low Mileage--Varies
Loyalty--Varies
New Car--Varies
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeClearcover USAA
Automatic Online Payment
--yes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
--yes
Mobile App Payments
--yes
Online Payment
--yes

Features and Services

Features and ServicesClearcover USAA
24/7 service--yes
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account management--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesClearcover USAA
Accident Forgiveness
--yes
Extended Coverage
--yes
Rental Reimbursement
--yes
Ridesharing Coverage
yes--
Roadside Assistance
--yes

Uber and Lyft driver insurance

  • Clearcover
  • USAA
  • Both

Compare Insurance Products

ProductClearcover USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insuranceyes--
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Clearcover Reviews
  • USAA Reviews
4.6
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

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.