Clearcover Auto Insurance: User Reviews and Quotes (2024)

If you live in one of the 15 U.S. states where Clearcover currently offers auto insurance policies, you may appreciate the tech-savvy approach this insurer uses to manage its quotes, claims, and policy-management processes. But its mobile-app-led features come at a cost. Drivers pay an average of $106 per month for liability-only insurance and $185 for a full-coverage policy with the insurer. 

A major downside to Clearcover is that it doesn’t offer many discounts that can help you save money.

The best way to find affordable coverage is to compare rates, discounts, and options. Read on for detailed Clearcover insurance reviews and insight into pricing, discounts, and policy types to better understand if this insurer is the right fit for you.

How Clearcover compares to other insurance companies

How Clearcover auto insurance works

The Clearcover insurance company relies on AI technology to manage its claims process. This high-tech approach helps Clearcover pay out eligible claims in minutes.

Aside from turning to AI to help manage the claims payments process, Clearcover functions like a standard auto insurer. It has limited potential discounts available, but Clearcover advertises it can save customers up to $1,200 per year. You can request a free quote in a few minutes to find out how much it would cost you to enroll in Clearcover auto insurance.

If you ever need to file a claim, you can do so easily using Clearcover’s mobile app. You’ll need to take a few photos and answer any relevant questions to submit your claim. You can then use the Clearcover app to monitor your claim’s progress.

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How Clearcover rates compare to competitors

Clearcover’s rates tend to be more expensive than its competitors, and its limited discount options can make it difficult for drivers to save money on their premiums. But the company’s rates are cheaper than the national averages of $202 per month for full coverage and $105 for liability coverage.

The table below shows how Clearcover’s full-coverage rates stand up to its competitors.

Average cost of Clearcover auto insurance

Drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, pay higher rates.^[1] Insurance companies consider high-risk drivers more likely to file a claim and charge higher rates to make up for possible financial loss.

Similarly, teen drivers see high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers pay the lowest rates because they have the most experience.

The table below compares Clearcover’s monthly liability rates for various driver profiles to the national average rates.

Clearcover car insurance cost by state

The state you live in plays a big role in how much your premiums are. The ZIP code you reside in can also affect your insurance spending. This is because location-based factors like weather, crime, and traffic patterns can influence how likely a driver is to file an insurance claim. Moving from one nearby city to another can lead to lower or higher prices on insurance products.

The following table illustrates how Clearcover’s average monthly full-coverage rates can vary by state.

Clearcover car insurance discounts

When it comes time to shop for a new car insurance policy, one way to save is to ask about potential discounts you may qualify for.^[2] You can chat with an insurance agent to determine your eligibility.

For the most part, Clearcover doesn’t offer traditional discounts like paperless billing and safety features and instead attempts to offer affordable prices across the board. But this insurer does offer a military discount of 25% in Louisiana for customers on active duty and any children younger than 25. In select states, drivers younger than 25 may qualify for a good student discount if they earn good grades.

How customers feel about Clearcover

Before you sign up for a car insurance policy, it can be helpful to spend a bit of time learning about what the brand’s customer experience is like. According to reviews on Trustpilot, the customer experience is a bit of a mixed bag.

While some customers rave about how easy it is to use Clearcover’s mobile app to manage their policies and file claims, others report unexpected price hikes and unpleasant customer support experiences. Clearcover also has a few complaints filed with the Better Business Bureau (BBB). But Clearcover holds a BBB rating of A+.^[3]

Clearcover customer reviews

To learn more about the Clearcover customer experience, you can also check out these real, verified user reviews that Insurify collected.

Clearcover ratings

Many car insurance companies receive industry ratings that can help customers learn more about how financially stable an auto insurer is and how efficiently and fairly the insurer processes claims. While Clearcover isn’t included in some of the top industry rankings, like J.D. Power and AM Best, you can check out the insurer’s National Association of Insurance Commissioners (NAIC) Complaint Index to learn more about the customer satisfaction pain points Clearcover customers reported.

Clearcover car insurance coverage options

Clearcover, like all auto insurance companies, provides customers with access to state-minimum required liability insurance. Clearcover gives drivers the option to choose to enhance their coverage further by adding the following policy types:

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  Liability coverage

  Liability insurance covers damages and injuries to others if you’re at fault in a car accident, including bodily injury and property damage. Liability insurance doesn’t cover your losses.

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  Comprehensive coverage

  Comprehensive insurance protects against non-collision-related incidents beyond your control, such as theft, vandalism, fire, or natural disasters.

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  Collision coverage

  Collision insurance covers the cost of repairs or the replacement of your vehicle if it incurs damage in a collision, regardless of fault. It includes collisions with other vehicles and objects.

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  Rideshare coverage

  Rideshare insurance provides additional coverage for drivers who use their vehicles for ridesharing services like Uber or Lyft. Rideshare insurance helps bridge the gap between personal auto insurance and the coverage the rideshare company provides. Rideshare insurance can be difficult to find, which sets Clearcover’s car insurance offerings apart if you work as a rideshare driver.

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  Alternate transportation coverage

  This coverage offers reimbursement for rental cars or other transportation expenses if your vehicle is being repaired due to a covered incident, ensuring you have transportation while your car is out of service.

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  Roadside assistance coverage

  Roadside assistance coverage comes in handy when you need a jump, help with a flat tire, or a tow. Clearcover drivers with this coverage can request roadside assistance through the app.

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Other options for Clearcover customers

Many auto insurance companies also offer different types of insurance policies, such as home, life, or business insurance. Some car insurers also offer a discount if you purchase more than one type of insurance policy. 

Unfortunately, Clearcover only offers car insurance, so there’s no bundling potential.

Clearcover insurance FAQs