Clearcover Car Insurance Review

Clearcover car insurance rates are 32% more affordable than the industry average. You can buy Clearcover auto insurance for as low as $80 a month. However, your Clearcover insurance quotes are based on several factors. Also, Clearcover insurance is only available in 15 states, and you can only buy Clearcover car insurance online.

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Dan Wesley is an American entrepreneur and executive. He is an expert in insurance and personal finance, known for creating web portals that connect people to resources to help them meet their goals. As a mentor and leader to many, Dan strives to position himself and those around him for success. Experience Dan graduated in 2000 with a degree in Nuclear Medicine. Dan left medicine but contin...

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UPDATED: Dec 6, 2021

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Overview

  • Clearcover car insurance is available in 15 states
  • You can get Clearcover car insurance for as low as $80 a month
  • Clearcover doesn’t have A.M. Best or J.D. Power ratings

Are you looking for cheap Clearcover auto insurance rates?

Our Clearcover car insurance review has everything you need to know about the internet-based insurance company. Read on to learn how to get Clearcover car insurance quotes, what car insurance coverages are available, and how Clearcover is rated.

We’ll tell you what you need to know about Clearcover car insurance. Before you start, enter your ZIP code in the free online tool above to compare multiple insurance companies near you.

How much are Clearcover car insurance rates?

Clearcover is a small online company with auto insurance rates that are 32% less than the top insurance companies in the United States on average.

According to the National Association of Insurance Commissioners (NAIC), auto insurance can be as low as $48 a month.

However, car insurance rates depend on several personal factors such as age, driving record, and credit history.

Let’s compare full coverage Clearcover car insurance rate to the best auto insurance companies in the United States.

  • Allstate – $318/month
  • American Family – $224/month
  • Clearcover – $177/month
  • Farmers – $288/month
  • GEICO – $179/month
  • Liberty Mutual – $398/month
  • Nationwide – $229/month
  • Progressive – $283/month
  • State Farm – $235/month
  • Travelers – $287/month
  • USAA – $161/month

On average, Clearcover has the most affordable full coverage auto insurance. USAA is only available to military veterans and their immediate families, making Clearcover the cheapest for most people.

And Clearcover is slightly more affordable than GEICO car insurance.

If you are looking for more affordable car insurance, Clearcover may be the insurance company you need. But before you buy Clearcover car insurance, you should consider other factors that impact Clearcover car insurance quotes.

How does driving history affect Clearcover rates?

A clean driving record is one of the most critical factors to affordable Clearcover auto insurance. Any accident or traffic violation can raise your rates.

Let’s look at the auto insurance rates below to see how traffic infractions and accidents impact Clearcover and the best auto insurance companies in the United States.

Comparing Clearcover Car Insurance Rates by Company and Driving History
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Clearcover$177$204$233$242
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292
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Clearcover may not be the cheapest insurance company, but its monthly rates compete with GEICO auto insurance.

Accidents and DUIs cause the highest increase in car insurance rates. Expect your rates to remain high for the next three years when you have any traffic violation or accident attached to your driving record.

Liability-only coverage is even more affordable. On average, liability car insurance is 53% cheaper than full coverage auto insurance.

Can age affect Clearcover car insurance quotes?

Yes, it can. Age has a significant impact on car insurance. Let’s review how age affects the cost of auto insurance from various companies and see how they compare to Clearcover auto insurance.

Comparing Clearcover Monthly Car Insurance Rates by Age and Company
CompaniesMonthly Car Insurance Rates for 21-Year-Old DriverMonthly Car Insurance Rates for 25-Year-Old DriverMonthly Car Insurance Rates for 30-Year-Old DriverMonthly Car Insurance Rates for 40-Year-Old DriverMonthly Car Insurance Rates for 60-Year-Old Driver
Allstate$321$246$158$165$200
Farmers$261$189$103$133$139
Clearcover$182$129$82$80$91
GEICO$251$193$91$97$122
Liberty Mutual$424$256$125$120$191
Nationwide$260$187$106$113$118
Progressive$250$167$149$130$110
State Farm$220$150$147$104$102
USAA$161$130$81$80$87
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Car insurance rates decrease as you get older. There are other personal factors that will affect how much you pay for car insurance. For example, married drivers tend to pay cheaper rates.

But new drivers will have more expensive auto insurance rates regardless of age.

Can credit history affect Clearcover insurance rates?

The answer is yes. Good credit can lower your auto insurance rates by 15% at the very least. Meanwhile, bad credit can drive up your rates up to 40%.

But what does that look like for Clearcover car insurance? Let’s examine the cost of monthly Clearcover auto insurance rates based on credit history.

Comparing Clearcover Monthly Car Insurance Rates by Credit History and Company
CompaniesGood Credit History (670-739)Fair Credit History (580-669)Bad Credit History (300-579)
Allstate$322$382$541
American Family$224$264$372
Clearcover$180$209$291
Farmers$306$325$405
GEICO$203$249$355
Liberty Mutual$366$467$734
Nationwide$244$271$340
Progressive$302$330$395
State Farm$181$238$413
Travelers$338$362$430
USAA$152$185$308
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Clearcover is more affordable than GEICO and State Farm auto insurance if you have good credit. However, you’ll pay over $100 more for Clearcover car insurance if you have bad credit.

Auto insurance is cheaper when you have good credit because it tells the insurance company you’re less likely to file a claim. However, fair and bad credit has the opposite effect on your car insurance rates.

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Where can you buy Clearcover car insurance?

Although Clearcover auto insurance is cheaper than some of the best insurance companies, it’s not available in all 50 states.

Clearcover car insurance is available in 15 states. Here’s a list of states where Clearcover provides auto insurance coverage.

Clearcover Car Insurance Availability
StatesAvailability
Arizona
California
Georgia
Illinois
Indiana
Louisiana
Maryland
Missouri
Nebraska
Ohio
Oklahoma
Pennsylvania
Texas
Utah
Wisconsin
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Clearcover auto insurance is limited to a few states, but some of the best insurance companies have national reach. However, the Clearcover Insurance Company may grow in the future.

What coverage options does Clearcover offer?

Clearcover auto insurance may be small compared to other insurance companies, but it has the basic auto insurance coverage options.

Here are the car insurance coverages you can buy at the Clearcover Insurance Company.

  • Bodily injury liability (BI)
  • Property damage liability (PD)
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage (UM/UIM)
  • Medical payments (MedPay)

Clearcover doesn’t provide personal injury protection (PIP) as an option. That may change as the company expands to states that requires PIP.

Does Clearcover have rideshare car insurance?

Yes, it does. Rideshare insurance is available to Clearcover customers who use their vehicles as rideshare businesses. However, Clearcover won’t cover delivery services, such as GrubHub or DoorDash.

Glass coverage and roadside assistance are also available from Clearcover.

Clearcover auto insurance also offers alternate transportation coverage. This coverage option pays for ridesharing, public transit, and rental car payments and fees when your vehicle is being fixed after an accident.

Can you bundle with Clearcover?

No, it doesn’t. Clearcover auto insurance doesn’t write any other insurance types, so there’s no way to bundle.

What car insurance discounts does Clearcover have?

Clearcover has a few auto insurance discounts you can use, but you have to qualify for each deal.

Here’s the list of Clearcover auto insurance discounts.

  • Safe driving discount
  • Pay-in-full discount
  • Paperless discount
  • Safety features discount
  • Military discount

A safe driving discount (sometimes called defensive driver discount) can save you up to 40% at some auto insurance companies, but Clearcover doesn’t publically list discount values.

However, you can secure lower rates when you qualify for multiple auto insurance deals. Stacking discounts can save you hundreds of dollars.

What are the pros and cons of Clearcover car insurance?

Clearcover has all the essentials of a good auto insurance company, but there are a few disadvantages. Let’s examine the pros and cons of Clearcover insurance.

  • Pros
    • Easy-to-use mobile app
    • Provide rideshare car insurance
    • Affordable car insurance rates
    • Has several car insurance discounts
    • Carries essential car insurance coverages
  • Cons
    • Limited availability across the United States
    • Only sells car insurance
    • No bundling options
    • Clearcover doesn’t provide personal umbrella insurance

Clearcover has more advantages than disadvantages. It’s up to you to decide whether the Clearcover Insurance Company is a good choice for you.

Does Clearcover car insurance have good ratings?

Clearcover doesn’t have a J.D. Power or A.M. Best ratings. However, it has an A+ with the Better Business Bureau (BBB). Also, Clearcover has over four stars on Google Play and Apple App Store.

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How do I cancel Clearcover car insurance?

If you’re having second thoughts about Clearcover auto insurance, you can cancel your policy by calling the Clearcover Insurance Company customer service number at 1-855-444-1875.

If you contact Clearcover within seven days, you may receive a refund if you’ve paid your auto insurance bill in full.

You could also receive a refund if you’ve made a partial deposit to start your policy within seven days.

You can also cancel with a Clearcover customer service agent through the Clearcover Mobile App.

Do you have to pay a cancellation fee when you cancel Clearcover car insurance?

Clearcover doesn’t report any cancellation fees after you cancel. Contact the Clearcover Insurance Company to learn more details about cancellation fees to be sure.

When should I cancel Clearcover car insurance?

You can cancel your auto insurance policy whenever you want, but you should pick a date when you cancel.

It’s best to cancel your car insurance coverage after you have another insurance policy set up. This ensures you don’t have a lapse in coverage.

How do I make a Clearcover car insurance claim?

You can file a Clearcover auto insurance claim in three ways: over the phone, by email, or using the Clearcover mobile app.

If you want to contact Clearcover car insurance by phone, you can call the customer service center at 1-855-444-1875 to file a claim.

To file a claim through the Clearcover mobile app, follow these steps:

  1. Open the Clearcover mobile app
  2. Go to the claims section
  3. Answer a few questions about the accident
  4. Snap pictures of the damage
  5. Clearcover begins processing your car insurance claim

Clearcover tracks the auto insurance claim process and keeps you informed 24/7.

The Clearcover Insurance Company says that it provides a claim payout within a week. Clearcover also provides claim payouts on the same day if you have a minor accident with minimum damage, like a fender bender.

How did the Clearcover Insurance Company start?

Clearcover was founded in 2016 by two former American Family Insurance employees named Derek Brigham and Kyle Nakatsuji.

The Clearcover Insurance Company is based in Chicago, IL, and has 324 employees.

Although Clearcover is new compared to some competitors, its auto insurance policies are underwritten by Lyndon Southern and Response Indemnity of California.

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Clearcover Car Insurance: The Bottom Line

Multiple factors determine whether affordable Clearcover auto insurance is available to you. For example, a clean driving record and good credit are the best ways to cheap Clearcover car insurance.

The downside to Clearcover auto insurance is its limited availability across the nation. Also, it’s only an internet-based company with agents available by email, mobile app, and phone.

Before you buy Clearcover car insurance, use our free comparison tool below to compare multiple insurance companies in your area.

Frequently Asked Questions: Clearcover Car Insurance

Do you want to know more about Clearcover auto insurance? Read these answers to frequently asked questions to get more details.

#1 – Is Clearcover Insurance Company legit?

Yes, it is. Clearcover has an A+ with the Better Business Bureau (BBB) and over four stars on Google Play and Apple App Store.

#2 – How long has Clearcover car insurance been in business?

Clearcover has been in business for over five years.

#3 – Is Clearcover ranked with the best car insurance companies in the nation?

No, it isn’t. However, its auto insurance rates are more affordable than some of the best companies.

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