Clearcover Auto Insurance: User Reviews and Quotes (2024)

Clearcover is a convenient auto insurance option for tech-savvy drivers.

Jacqueline DeMarco
Jacqueline DeMarco
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  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated November 19, 2024

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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 $102 per month for liability-only insurance and $183 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.

Quick Facts
  • Clearcover uses AI to help speed up the claims process.

  • Cleacover’s app holds a 4.7-star rating in the App Store and a 4.4-star rating from the Google Play Store.

  • You can cancel your policy 24/7 using the mobile app.

How Clearcover compares to other insurance companies

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User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$102/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$183/mo

It’s always a good idea to shop around and compare a few different car insurance companies to see which one can offer you the type and amount of coverage you desire for a price you can afford. You may also want to consider customer service, availability, financial strength, and other factors before enrolling in a new auto insurance policy.

Across the board, Clearcover isn’t as strong of an option as its competitors. Clearcover tends to cost more than competitors like Elephant, Root, Hugo, and Metromile but doesn’t have a known history of financial strength or a strong customer service experience to help justify its high rates.

Pros
  • Mobile app makes it convenient to file claims

  • Fast claims payment (as little as seven minutes, the company claims)

  • Offers rideshare coverage

Cons
  • Only sells auto insurance, so no bundling discount is available

  • Only available in 21 states

  • Higher-than-average number of complaints with the National Association of Insurance Commissioners

Read more driver reviews of Clearcover
Catherine - October 22, 2024
Verified

Great Customer Service

My premium increased by $70 due to an auto accident.

Brett - October 12, 2024
Verified

Unexpected Rate Increases

Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.

Richard - October 7, 2024
Verified

T.B.

Too expensive for me.
Factor
How Clearcover Compares
RatesMore expensive
Customer serviceWorse than competitors
DiscountsFewer than competitors
AvailabilityMore than competitors
Financial strengthNot rated

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 $204 per month for full coverage and $104 for liability coverage.

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

Insurance Company
Average Monthly Quote: Full Coverage 
Clearcover$183
Elephant$200
Hugo$60
Metromile$113
Root$103
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Driver
Clearcover Average Quote
National Average 
Drivers with a clean record$102$104
Drivers with a speeding ticket$124$145
Drivers with an at-fault accident$151$151
Drivers with a DUI$168$171
Teen drivers$202$193
Senior drivers$91$80
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

State
Clearcover Average Quote
State Average 
Alabama$134$143
Georgia$231$244
Illinois$112$176
Indiana$81$144
Kentucky$196$283
Louisiana$259$247
Mississippi$161$219
Missouri$143$210
Nebraska$87$205
Ohio$158$131
Oklahoma$174$180
Texas$186$241
Virginia$106$184
West Virginia$165$153
Wisconsin$78$143
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Catherine - October 22, 2024
Verified

Great Customer Service

My premium increased by $70 due to an auto accident.
Brett - October 12, 2024
Verified

Unexpected Rate Increases

Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
Richard - October 7, 2024
Verified

T.B.

Too expensive for me.
Richard - October 7, 2024
Verified

Fair

The cost is unaffordable.

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.

Rating
Score
What This Means
Trustpilot2.5 starsHigh amount of negative customer reviews
Better Business BureauA+High transparency and customer service
NAIC Complaint Index3.85Clearcover receives a higher than average number of complaints for a company of its size

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:

  • illustration card https://a.storyblok.com/f/162273/150x150/13dbb27bee/law-and-justice-96x96-orange_027-dossier.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/d3751cb8e4/transport-96x96-green_013-taxi.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/f82464c85b/car-sharing-96x96-orange_048-car-key.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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

If you’re still on the fence about whether Clearcover is the right auto insurer for your needs, check out some additional information about this car insurance company.

  • Is Clearcover legitimate?

    Yes. Clearcover is a legitimate company. While it isn’t rated by J.D. Power or AM Best, it’s still a reputable company.

  • What is the average cost of Clearcover car insurance?

    Where you live can play a major role in car insurance pricing, but on average Clearcover car insurance costs $102 per month for liability insurance and $183 for full coverage. Many other factors affect your rate, such as location, age, gender, mileage, and car type.

  • Is Clearcover good at paying claims?

    Like many auto insurance companies, Clearcover has some mixed reviews online. While some customers report having a fantastic claim filing experience, others complained to Trustpilot about the process.

  • How do I cancel my Clearcover insurance policy?

    If you decide to cancel your Clearcover insurance policy, you can do so any time of day by using the Clearcover app. You can also work with a Clearcover customer advocate to cancel your policy over the phone during business hours.

    Clearcover recommends canceling your policy before your current policy term ends.

  • Does Clearcover offer accident forgiveness?

    At the moment, Clearcover doesn’t offer accident forgiveness coverage. Your driving habits, such as getting into car accidents, affect your car insurance premiums.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Better Business Bureau. "Clearcover."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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