Clearcover Auto Insurance Review [2022]

Clearcover auto insurance quotes are below average and the company offers rideshare auto insurance coverage for as little as $10/mo. Clearcover is only available in 15 states but plans to expand to all 50 in the future. It's important to know what kind of auto insurance is required in your state before you buy Clearcover auto insurance. You'll likely qualify for reduced rates if you are a good driver or an active military member.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 13, 2021

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Company Details
Address: 33 W Monroe St
City: Chicago
State: Illinois
ZIP Code: 60604
Phone Number:
Website: https://clearcover.com/
Year Founded: 2016
AM Best Rating: NA
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What You Should Know

  • Clearcover offers rideshare insurance for as little as $10 more per month
  • Clearcover auto insurance is only available in 15 states, including California, Texas, and Louisiana
  • The BBB gives Clearcover an A+ rating

How long has Clearcover been in business? Starting in 2016, Clearcover auto insurance company is one of the youngest in the industry. It operates almost entirely online in order to save money and then passes these savings on to its policyholders in the form of reduced auto insurance rates.

Clearcover auto insurance reviews are positive when it comes to the company’s rates and customer service. When finding auto insurance quotes online you might not always run into smaller companies like Clearcover. However, it’s good to compare smaller companies to the major insurers.

Our guide lists auto insurance rates by state and compares Clearcover auto insurance coverages and discounts to other companies. Keep reading to get free insurance quotes from companies in your area. 

If you’re ready to learn more about Clearcover auto insurance, read on. To compare rates from multiple companies, enter your ZIP code above for free quotes.

How much are Clearcover auto insurance rates?

Clearcover auto insurance quotes will vary by driver. However, the table below gives you an idea of how much Clearcover insurance costs in your state.

States With Clearcover Auto Insurance CoverageLiability-Only Monthly RatesFull Coverage Rates
Arizona$41$81
California$39$82
Georgia$41$87
Illinois$36$74
Indiana$31$63
Louisiana$61$117
Maryland$50$93
Missouri$33$73
Nebraska$29$69
Ohio$31$66
Oklahoma$37$84
Pennsylvania$41$81
Texas$42$92
Utah$39$73
Wisconsin$30$61
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This is what an average driver pays in your area for liability-only and full coverage. However, Clearcover is only available in 15 states.

Where can you buy Clearcover auto insurance? If you see your state in the table, you can buy a policy from Clearcover.

Be aware that your rates will vary based on where you live. For example, you can see that Louisiana and Indiana have a huge difference in rates. This is because environmental variables and auto theft rates in each state affect how much Clearcover auto insurance costs.

Your driving record and the level of coverage you choose will also impact your rates. So consider the age of your vehicle and the terms of your auto loan before you buy auto insurance coverages you don’t need.

Does Clearcover have auto insurance discounts?

Clearcover does not explicitly offer discounts, but it still discounts rates for good drivers, safety features, paperless billing, and more. Clearcover doesn’t break down your bill or tell you exactly how much each discount is saving you. 

However, Clearcover does specify that it offers a 15% auto insurance discount for active military members. This discount jumps to 25% if you live in Louisiana. 

But if you’re a military member (active or retired), you likely qualify for big discounts with other auto insurance companies, too. Other insurers also extend discounts to military families and drivers with professional degrees. So, it can pay to shop around if you think you can find cheaper coverage with another company.

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What insurance coverage does Clearcover provide?

The good news is that Clearcover offers traditional auto insurance policies plus additional coverages for medical payments and rideshare drivers.

First, let’s take a look at the basic auto insurance policies Clearcover offers:

  • Liability-only coverage with state minimum limits
  • Collision coverage
  • Comprehensive Coverage

Suppose you buy both collision and comprehensive coverage on top of liability. In that case, you’re carrying full coverage auto insurance and are protected in accidents and from vandalism, fire, and weather damage.

Buying a full coverage policy will raise your rates. But you can still get affordable Clearcover auto insurance if you learn how to choose cheap full coverage auto insurance packages.

Clearcover also offers medical payments coverage (MedPay) and uninsured motorist bodily injury and property coverage. Not every state requires all of these policy options, so check your state insurance laws before you start shopping for quotes. 

Only Maine and New Hampshire require MedPay, so you won’t have to worry about buying it from Clearcover unless you want it. However, if you live in Illinois, Maryland, Missouri, or Nebraska, you are required to carry uninsured motorist protection. This will raise your Clearcover auto insurance quotes.

What kind of policy add-ons does Clearcover provide?

Along with the basic liability-only or full coverage policies, Clearcover auto insurance offers alternate transportation coverage, roadside assistance add-ons, and ridesharing endorsements in certain states.

If you drive for Uber or Lyft and need affordable rideshare coverage, Clearcover is one of the best options. You can add the rideshare endorsement to your existing policy for as little as $10/month, which is significantly less than taking out a commercial policy.

Additionally, drivers can opt-in for alternate transportation coverage to pay for rideshare services after an accident. For example, it will pay for a rental car or rideshares while your car is in the shop for repairs.

Roadside assistance is also available in certain states. It covers you in case of flat tires, towing, and more, depending on your policy type. 

Adding roadside assistance or any of the other Clearcover auto insurance add-ons will raise your insurance rates. Your best bet is to shop around and compare Clearcover with two or more local insurers to find out which offers the best rates for the kind of coverage you need.

Can I bundle other Clearcover insurance policies for a discount?

That’s the bad news. Clearcover only offers auto insurance, which means drivers cannot get the bundling discounts many other large insurers offer. 

However, those bundling discounts often only add up to 5% off. And because Clearcover specializes in online auto insurance, you may still get cheaper quotes since it doesn’t pay the same administrative and overhead fees bigger companies do.

How are Clearcover auto insurance reviews and ratings?

If you’re looking for Clearcover insurance A.M. Best ratings, you’ll have to wait. Clearcover is a newer, smaller company, and it will take some time to build a financial reputation and earn an official A.M Best rating. 

However, despite its small size, Clearcover auto insurance reviews are positive across the board. The Better Business Bureau (BBB) gives Clearcover an A+ rating for customer service, and individual customer service reviews comment on the easy claims process and responsive customer service agents.

The availability and friendliness of Clearcover customer service are why it’s rated 3.86 out of 5 by the BBB and sees fewer complaints than other companies its size, according to the NAIC.

Clearcover is also moving away from its original agent-less model and making adjustments to add independent agent partners to their team.

https://youtu.be/q-UD-GRej2M

If agents are not yet available in your state,  policyholders can still call the Clearcover auto insurance number at 855-444-1875 to file a claim or chat with customer service. 

The Clearcover auto insurance mobile app is also highly-reviewed with a 4.7/5 on both Apple and Google Play. Since everything is done through the app, it’s important to read these online reviews and find out for certain if this is the company for you. Luckily, if you prefer to pay your bills, manage your account, and file a claim all online, the Clearcover app is probably perfect for you.

Can you only file Clearcover auto insurance claims online?

Fortunately, if you’re in an accident, you can file a Clearcover insurance claim over the phone, by email, or directly on the mobile app. According to customer reviews, the mobile app is the preferred option and is quickly accessed with your Clearcover insurance login. 

However, you can still reach a customer service agent by calling the number above. A claims adjuster may also contact you via phone after you file your claim online.

How do I cancel Clearcover auto insurance?

Before you start a new auto insurance policy with Clearcover or any other insurance company, you’ll need to cancel your existing policy first. Always give yourself a buffer of a few weeks to ensure you have enough time to shop around, compare quotes, and start your new policy right as your old one ends to avoid a lapse in coverage. 

You have two options when canceling Clearcover auto insurance:

  1. Call customer to service to cancel your policy at 855-444-1875
  2. Email [email protected] to cancel your policy online

Clearcover will not charge you a cancellation fee if you cancel your policy when the term ends. If you cancel early, you risk paying a fee but may be refunded if you paid your policy in full upfront.

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Should I buy Clearcover auto insurance?

If you only need basic liability or a simple full coverage policy and prefer to manage all of your insurance online, then Clearcover could be an affordable choice for you. Clearcover offers very competitive auto insurance rates and is expanding to add an agent option for their customers. 

If you’re a rideshare driver, Clearcover offers an endorsement for gap coverage starting as low as $10/mo. It’s something to consider, given that many other insurers require you to buy a separate policy.

Clearcover is also highly-rated by its customers for having excellent customer service and a speedy claims process. Customers can easily reach a human being for questions and claims by calling Clearcover customer service at 855-444-1875.

Soon, policyholders will also be able to choose to speak directly to their Clearcover insurance agent.

However, Clearcover auto insurance is only available in 15 states. The company has plans to expand to all 50 states in the future. In the meantime, you will have to shop with other local companies if Clearcover isn’t available where you live.

You may also want to shop for coverage elsewhere if you qualify for professional or military discounts. Clearcover doesn’t offer many discounts. You may find more affordable auto insurance that caters to military members and professional associations. 

Now that you know more about Clearcover auto insurance, it’s time to see how insurers in your area stack up. Enter your ZIP code below to compare free auto insurance quotes from local companies today.

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