Clearcover Auto Insurance Review for 2025 (+Rates & Discounts)

This Clearcover auto insurance review shows how drivers who prefer managing everything from their phones can get coverage starting at just $30 monthly.

Clearcover Auto Insurance Rating

That budget-friendly rate includes helpful perks like alternate transportation, which pays up to $30 daily for rideshare if your car’s in the shop.

You can earn up to 20% off by driving safely, thanks to Clearcover’s Smart Driving Score tracked through the app. Add autopay and a clean record, and you’ll save another $10 monthly.

The claims process is just as quick, taking about 6.8 minutes on average from start to finish. If speed matters too, use our free comparison tool and explore your options (Read More: How to File an Auto Insurance Claim & Win It Each Time).

Comparing Clearcover Auto Insurance Rates

This table gives you a clear look at how much your monthly Clearcover premium changes as you get older—and what those changes mean for your wallet. Knowing how age and gender affect your rate can help you make smarter choices and plan ahead.

If you’re 18, you’re looking at the highest cost, with teen boys paying $160 a month. That’s because insurers see young drivers as the riskiest on the road—something to keep in mind if you’re a parent insuring a teen. By the time you hit 30, rates drop by more than $120 a month, which shows just how much safe driving pays off over time.

Drivers in their 40s and 50s enjoy some of the lowest and most stable rates, proving that consistency really does matter. Even at 60, rates stay affordable, which is great if you’re retired and on a fixed income. For you, this means staying ticket-free early on can save you big later (Read More: Cheap Auto Insurance for Seniors).

Wondering how much your driving habits affect your Clearcover insurance quotes? Even one speeding ticket can bump your rates and knock you out of discount programs. Meanwhile, keeping a clean record lowers your base rate and makes you eligible for Clearcover’s safe driving rewards.

Clearcover Auto Insurance Monthly Rates by Driving Record

After an accident, full coverage rates jump sharply, reflecting the risk of another claim. A DUI pushes your premium to $152 a month, showing how costly a serious violation can be.

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Clearcover Insurance Rates vs. Top Companies

Clearcover stands out as one of the most accessible options for drivers trying to secure the cheapest car insurance without sacrificing digital convenience.

Clearcover vs. Top Competitors: Auto Insurance Monthly Rates

Its $45 monthly minimum coverage might not be the absolute lowest, but it’s still $16 less than Liberty Mutual and a noticeable $13 below Farmers, making a real difference over a full year.  While USAA’s rates are technically lower, it’s only available to military families, so many drivers won’t qualify.

Best Clearcover Insurance Discounts

The table clearly shows where savings come from and who benefits the most. Military and safe drivers get a 15% break, but in different ways — service members qualify automatically, while safe drivers earn it by maintaining clean habits tracked through the app.

Clearcover Auto Insurance Discounts

If you’re a student with solid grades, that 10% discount could bring a $134 monthly full coverage plan down to around $120 a month.

Paying in full or adding a second car can lower your rate even more, which helps if you’re in a higher-risk category like a young adult driver. And if you’ve got anti-theft features, paperless billing, or built-in safety tech, those 5% discounts can add up fast, knocking $15 or more off your monthly bill without lifting a finger.

If you’re looking for realistic tips to pay less for car insurance, stacking these savings is a smart and straightforward place to start.

Coverage Options From Clearcover Insurance

Clearcover auto insurance includes the standard liability coverage that’s required by law to take care of any damage or injuries you cause to someone else, as well as collision and comprehensive coverage to pay for different types of damage to your vehicle. It also includes medical payments and personal injury protection, which might be required where you live.

Clearcover Auto Insurance Coverage Options

Clearcover stands out with its roadside assistance for lockouts or dead batteries and its alternate transportation package, which reimburses rideshare or rental costs while your car is being fixed. For rideshare drivers, affordable endorsements extend personal coverage so you don’t have to buy a separate commercial policy to cover you while at work.

Other Insurance Products

Clearcover keeps its focus on car insurance, but thanks to a partnership with Goosehead Insurance, you can still shop for other types of coverage if you need them.

Goosehead’s licensed agents help you compare homeowners insurance quotes and find the right fit without overcomplicating things. You can just use your Clearcover insurance login to hop into your account and keep track of these extra coverages, too.

• Homeowners Insurance: Protects your house, everything inside it, and covers you if someone gets hurt on your property.
• Renters Insurance: Helps pay to replace your stuff if it’s stolen or damaged, and even covers temporary housing if you can’t stay in your place.
• Umbrella Insurance: Adds an extra $1 million or more in protection in case of a big lawsuit that goes beyond your regular policy limits.

This way, you can keep your car insurance simple with Clearcover while still getting help with other policies—and even compare homeowners insurance quotes—when you need them.

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Clearcover Insurance Reviews & Ratings

This breakdown gives you a clearer view of how Clearcover performs in terms of finances, service, and real-world satisfaction. An A- from A.M. Best means Clearcover has the financial stability to pay claims without delay, which is something you don’t want to gamble with in a serious accident.

Clearcover Insurance Business Ratings & Consumer Review

The A+ from the Better Business Bureau shows Clearcover handles complaints professionally, which matters when dealing with billing issues or delays. Clearcover insurance reviews on the Better Business Bureau also highlight positive customer experiences, with many noting fast claims processing and how easy the app is to use.

Similarly, Clearcover insurance reviews from Consumer Reports show strong customer satisfaction, earning a score of 82 out of 100, which appeals to tech-savvy drivers who prefer managing everything online.

Clearcover insurance reviews on Reddit echo many of these themes. One Reddit user said filing a claim through the app was quick and painless—something they didn’t expect from an online-only provider.

Experiences with Clearcover auto insurance
byu/Awkward_Distance476 inInsurance

However, they also pointed out that live support was hard to reach, which is a common thread. Based on Reddit’s feedback, Clearcover hits the mark for app-friendly users who prefer speed over phone time.

Read More: These 3,000 People Got Auto Insurance Right

Pros and Cons of Clearcover Insurance

Clearcover is a great fit if you want fast, digital-first service without paying extra for outdated overhead. It stands out with fewer complaints, competitive prices, and modern tools that really work for app-loving drivers. On top of that, Clearcover’s A.M. Best insurance rating of A– proves they’re financially solid and ready to handle claims when you need them.

• Fewer Complaints Than Average: With a 0.45 complaint index from the NAIC, Clearcover receives less than half the expected volume of customer complaints for its size, indicating smoother claims and billing experiences.
• Good Student Discount: Students who maintain qualifying grades can save 10% on their premiums, helping offset Clearcover’s already low $45 minimum coverage rate for budget-conscious households with teen drivers.
• Rideshare Coverage Add-Ons: Drivers who work for Lyft, Uber, or other rideshare and delivery companies can add an affordable endorsement to their personal policies (Learn More: Best Auto Insurance for DoorDash Drivers).

Clearcover delivers real savings through discounts while minimizing complaints. However, drivers outside its service states or those who value agent-based service may need to look elsewhere for a more personalized experience.

• Limited Availability: Clearcover car insurance is only available in 19 states: AL, AZ, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WV, WI.
• No In-Person Support: All interactions, from quotes to claims, must be handled digitally, either online or via the mobile app.

Despite its strengths, Clearcover has limitations that can affect accessibility and user satisfaction for certain drivers. However, the company does have plans to expand and may be available in your state soon.

How Clearcover Delivers Services Through Partnerships

Clearcover keeps things straightforward by focusing on what it does best—affordable, app-based, usage-based auto insurance that rewards you for safe driving—and partnering with others to handle the rest.

Since Clearcover doesn’t have its network of agents, it works with Goosehead, so you can still talk to a licensed agent if you’d rather get personal advice before buying a policy. And because it doesn’t run a full 24/7 call center, Clearcover customer service is powered by Ada’s AI technology through ClearAI®, making it easy to file a claim, check your policy, or get quick answers anytime, even late at night.

These partnerships enable Clearcover to stay focused on delivering smart, usage-based savings while still providing you with the option to speak with real people and receive help whenever you need it.

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How to Save on Auto Insurance With Clearcover

Clearcover Insurance works best for drivers who want app-based convenience and AI-driven support. Our Clearcover auto insurance review found standout savings, including up to $30 daily for alternate transport while your car is in the shop. You can even get a Clearcover insurance quote online in minutes to see how much you’ll save. Pay your premium in full or use paperless billing to unlock additional discounts.

Clearcover offers several more ways to cut down your premium. You can save 10% just by paying your policy in full for the year, and students with strong grades get another 10% off. Safe drivers can earn up to 20% off using the Smart Driving Score, which tracks driving behavior through the Clearcover app.

You’ll also find perks for tech-savvy drivers, like 5% off if your car has built-in smart safety features. Stack all these discounts, and you could save more than $30 a month, which really adds up over time. Clearcover even offers cheap auto insurance for multiple vehicles—perfect if you’ve got more than one car at home.

Its solid Clearcover insurance rating reflects how well it balances low prices with dependable service, giving drivers peace of mind. Before you buy auto insurance, use our free comparison tool to explore your options. It’s the easiest way to find the best rates and ensure Clearcover is right for you.