Clearcover Insurance Review for 2025 (+Rates & Discounts)

This Clearcover insurance review shows how drivers who prefer managing everything from their phones can get coverage starting at just $29 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

The table below shows how age and gender shape your Clearcover insurance rates. If you’re a parent shopping for a teen driver, expect full coverage for a 16-year-old male to run around $478 per month, which reflects the higher risk insurers associate with new, inexperienced drivers.

That price shows how dramatically costs fall once you build a safe driving record. By your mid-20s, full coverage for women drops to $110 per month, and minimum coverage hovers around $40 monthly. For older drivers, rates decrease, with 60-year-old females seeing the lowest minimum rate at $29 (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.

Auto Insurance Monthly Rates by Coverage Level

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 by Savings Potential

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.

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Customer Reviews and Ratings of Clearcover Insurance

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.

Insurance Ratings & Consumer Reviews: Clearcover Auto Insurance

The A+ from the Better Business Bureau shows Clearcover handles complaints professionally, which matters when dealing with billing issues or delays. Clearcover insurance reviews from Consumer Reports also highlight high overall satisfaction, scoring 82 out of 100. That strong showing is especially appealing to tech-savvy drivers who like to handle everything online.

However, J.D. Power’s 835/1,000 score suggests room for improvement, but Clearcover’s low 0.45 NAIC complaint index signals fewer headaches than most insurers.

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
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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 pick if you like doing everything from your phone and don’t want to deal with old-school paperwork. It has solid pricing, fewer complaints, and an app that makes things quick and simple.

• 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 to Save on Auto Insurance With Clearcover

Clearcover Insurance works best for drivers who want app-based convenience and AI-driven support. Our Clearcover insurance review found standout savings, including up to $30 daily for alternate transport while your car is in the shop. 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.

It also rewards tech-focused customers with perks like 5% off for cars that include smart safety features. When you stack these discounts, you could save over $30 a month, which adds up. Clearcover also offers cheap auto insurance for multiple vehicles, perfect if you’ve got more than one car in the driveway. 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.