Clearcover Auto Insurance Review: What to Know (2024)
On average, Clearcover auto insurance rates are 32% more affordable than the top auto insurance companies. You can buy Clearcover car insurance for $80 per month. However, your Clearcover insurance quotes are based on several factors, such as age, credit score, and driving history. Potential customers can buy Clearcover auto insurance in 15 states.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Mar 22, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- You can buy Clearcover auto insurance in 15 states
- Clearcover auto insurance rates are as low as $80/month
- Clearcover doesn’t have financial strength ratings from A.M. Best
Did you want to compare Clearcover auto insurance rates? Clearcover is an internet-based auto insurance company with limited availability but affordable car insurance rates.
If you’re looking for the details on this company, our Clearcover auto insurance review has everything you need.
Continue exploring this guide to learn how to get cheap Clearcover auto insurance quotes, what auto insurance coverages you can get, and how Clearcover insurance is graded by the top rating agencies.
After you learn everything about Clearcover auto insurance, enter your ZIP code in the free online tool above to compare multiple insurance companies in your area.
How much are Clearcover auto insurance rates?
Clearcover car insurance rates are 32% more affordable on average than the best insurance companies in the nation.
However, your auto insurance rates will vary. Multiple factors determine whether affordable Clearcover auto insurance is available to you, such as age, credit score, and driving history.
Before we go into each of these factors, let’s explore how much full coverage Clearcover car insurance rates cost.
- 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
Compared to the best companies in the United States, Clearcover has the cheapest full coverage auto insurance.
Read more: How to Cancel Liberty Mutual Insurance
USAA is available to members of the U.S. Armed Forces and their immediate families only, making Clearcover the most affordable for car insurance shoppers.
Consider other factors that affect Clearcover auto insurance quotes before you decide to purchase a policy.
Can age impact Clearcover auto insurance rates?
Age can impact car insurance rates with any company, unless state law prohibits it.
Let’s examine car insurance costs from various companies and see how Clearcover car insurance compares to the top companies in the United States.
Comparing Clearcover Monthly Auto Insurance Rates by Age and Company| Companies | Monthly Auto Insurance Rates for 21-Year-Old Driver | Monthly Auto Insurance Rates for 25-Year-Old Driver | Monthly Auto Insurance Rates for 30-Year-Old Driver | Monthly Auto Insurance Rates for 40-Year-Old Driver | Monthly Auto 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 |
Car insurance rates go down as you age. And older and married drivers pay even less for auto insurance.
How do credit scores affect Clearcover auto insurance rates?
A good or excellent credit score decreases your car insurance rates by at least 15%. However, poor credit scores raise your auto insurance rates by 40% at the most.
Let’s look at monthly Clearcover auto insurance rates based on credit score.
Comparing Clearcover Monthly Auto Insurance Rates by Credit Score and Company| Companies | Good 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 |
Geico and State Farm car insurance is more expensive than Clearcover, even if you have a good credit score.
According to the Federal Trade Commission, a good credit score says you’re less likely to file an insurance claim. But, fair and bad credit has the opposite effect on your auto insurance rates.
How much are Clearcover auto insurance quotes based on your driving history?
One of the critical factors to affordable car insurance is a clean driving record. Accidents or traffic infractions can raise your rates at any auto insurance company.
Review the auto insurance rates below to see how traffic violations and accidents affect Clearcover and the top auto insurance companies in the nation.
Comparing Clearcover Auto Insurance Rates by Company and Driving History| Companies | Monthly Rates with a Clean Driving Record | Monthly Rates w/ One Speeding Violation | Monthly Rates w/ One Accident | Monthly 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 |
Clearcover car insurance rates are cheaper than Geico and other big names on the list.
Although accidents and DUIs cause increases of between 24 and 37%, Clearcover is still more affordable than most companies.
Liability auto insurance is 53% cheaper than full coverage car insurance, so you can save even more on coverage if you decide to buy a Clearcover insurance policy.
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What are Clearcover’s best auto insurance discounts?
The Clearcover Insurance Company has a few discounts, but you have to qualify for each of them.
Here’s the list of standard discounts Clearcover may have.
- Military discount
- Pay-in-full discount
- Safe driving discount
- Paperless discount
- Safety features discount
You can get more affordable Clearcover auto insurance rates if you’re eligible for these discounts. Clearcover doesn’t talk much about its discounts, but they’re available.
Does Clearcover auto insurance have bundling options?
The answer is no. Clearcover doesn’t offer any other insurance products at the time of this review.
How many auto insurance coverages does Clearcover have?
Clearcover is small compared to some national and regional car insurance companies, but it has the basic insurance coverage options.
Here’s a list of car insurance options you can get from Clearcover.
- Bodily injury liability (BI)
- Property damage liability (PD)
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage (UM/UIM)
- Medical payments (MedPay)
Clearcover provides the basics. Unfortunately, they don’t provide personal injury protection (PIP). That’s likely to change if they expand into states where PIP is required by law.
Can I add rideshare coverage to my Clearcover auto insurance policy?
Yes, you can. Clearcover customers with rideshare businesses can add rideshare coverage to their personal auto insurance policy. Clearcover also provides glass coverage.
Clearcover does not cover delivery services, such as GrubHub or DoorDash.
Clearcover provides insurance alternate transportation coverage. Alternate transportation coverage reimburses you for public transit, rental car fees, and rideshare costs after your car is repaired.
Where can I buy Clearcover auto insurance?
You’ll find Clearcover insurance coverage in 15 states. Unfortunately, you won’t find it all over the United States like some of its competitors.
Here are the states where Clearcover provides insurance:
- Arizona
- California
- Georgia
- Illinois
- Indiana
- Louisiana
- Maryland
- Missouri
- Nebraska
- Ohio
- Oklahoma
- Pennsylvania
- Texas
- Utah
- Wisconsin
Clearcover is limited to a few states, which puts the web-based car insurance company at a disadvantage.
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What are the benefits and drawbacks of Clearcover auto insurance?
Clearcover has a lot to offer, but there are some disadvantages. Let’s look at Clearcover’s pros and cons.
- Pros
- Easy-to-use mobile app
- Provide rideshare insurance
- Affordable auto insurance rates
- Has several car insurance discounts
- Carries essential auto insurance coverages
- Cons
- Limited availability across the United States
- Only sells auto insurance
- No bundling options
- Clearcover doesn’t provide personal umbrella insurance
Clearcover has more benefits than drawbacks. Compare Clearcover closely to other companies to ensure you’re getting the best deal. Cheaper isn’t always better.
Does Clearcover auto insurance have good ratings?
Clearcover doesn’t have a financial strength rating from the top rating agencies.
But, Clearcover car insurance has an A+ with the Better Business Bureau (BBB). Also, Clearcover mobile app has over four stars on the Apple App Store and Google Play.
How do you cancel Clearcover auto insurance?
You can cancel your Clearcover car insurance policy by calling the Clearcover Insurance Company customer service number at 1-855-444-1875.
Clearcover customers who paid in full or made a deposit could receive a refund if they canceled within seven days of buying a Clearcover insurance policy.
Is there a cancellation fee when I cancel Clearcover auto insurance?
The Clearcover Insurance Company doesn’t publically say that they have cancellation fees after you cancel. Contact Clearcover and ask about cancellation fees before you cancel your policy.
When should you cancel Clearcover auto insurance?
Clearcover customers can cancel their car insurance policies whenever they want.
But, we recommend that you pick a cancellation date. This gives you enough time to secure another policy before your current one ends.
How do you file a Clearcover insurance claim?
You can file a Clearcover insurance claim over the phone, by email, or by using Clearcover’s smartphone app.
Contact Clearcover customer service center at 1-855-444-1875 and file a claim through a Clearcover representative.
To file an auto insurance claim through the Clearcover smartphone app, follow these steps:
- Open the Clearcover mobile app
- Go to the claims section
- Answer a few questions about the accident
- Snap pictures of the damage
- Clearcover begins processing your auto insurance claim
Clearcover tracks your claim and keeps you informed 24/7.
Some Clearcover claims are paid within a week if the accident is a minor fender bender.
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When was the Clearcover Insurance Company founded?
Clearcover was founded by Kyle Nakatsuji and Derek Brigham, two former American Family employees. Today, the Clearcover Insurance Company is based in Chicago, IL, with 324 employees.
Clearcover’s car insurance policies are underwritten by Lyndon Southern and Response Indemnity of California.
Clearcover struggles to make rankings with the best financial strength rating agencies, but that may change as it grows.
Clearcover Auto Insurance: The Bottom Line
A clean driving history and good credit score are the fastest roads to affordable insurance.
Clearcover’s limited availability is a major disadvantage. But if Clearcover continues to grow, it will eventually expand its coverage area.
Now that you know more about Clearcover auto insurance, enter your ZIP code below to compare multiple insurance companies near you.
Frequently Asked Questions: Clearcover Auto Insurance
Do you want to know more about the Clearcover Insurance Company? Read these answers to frequently asked questions to find out more.
#1 – Is Clearcover Insurance Company legit?
The answer is yes. Clearcover has an A+ with the BBB, and it has a near-perfect score on the Google Play and Apple App Store.
#2 – How long has the Clearcover Insurance Company been around?
The Clearcover Insurance Company has been in business for over five years.
#3 – Is Clearcover one of the top auto insurance companies in the United States?
The answer is no. But Clearcover has competitive car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.