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Content Writer & Entrepreneur Shuman Roy

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jun 3, 2022

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The Truth in a Nutshell

  • Clearcover car insurance is online-only
  • Drivers must use the app for any needs, such as finding policy information and filing a claim
  • Clearcover boasts a swift claims process, usually completed within one week

Costs are on the rise, including car insurance. Why is insurance so expensive and how can you get lower rates? Clearcover car insurance might be the answer for you.

Although Clearcover car insurance is pretty new, rates are lower than average largely due to the streamlined approach and low overhead.

While many drivers find affordable Clearcover car insurance, coverage is only offered in 18 states, and rates vary. Compare multiple companies to make sure you are getting the best deal out there for you.

Keep reading our Clearcover car insurance review to learn more. Enter your ZIP code now to compare free car insurance quotes from companies in your area before you begin.

What are Clearcover car insurance rates?

Clearcover is an entirely digital car insurance company. For example, this means you can only get Cleracover car insurance quotes online and file claims through the app.

Local Clearcover agents aren’t available, which helps the company keep overhead low.

Car insurance rates are reportedly around 30% lower with Clearcover, but coverage is only available in 18 states.

To give you an idea of what rates to expect, take a look at this table. It shows average car insurance rates based on the type of coverage you choose.

Average Annual Car Insurance Rates by Coverage Level
CompaniesAverage Annual Rates
for Low Coverage
Average Annual Rates
for Medium Coverage
Average Annual Rates
for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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Although rates are low, Clearcover may not be for everyone. Clearcover is not a good fit for drivers who want hands-on service or who need to bundle auto insurance with home, renters, or business coverage.

However, Clearcover is a good fit for drivers who want a simple process and prefer to do everything online.

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What car insurance coverages does Clearcover offer?

Clearcover only offers car insurance, including coverages such as liability, collision, comprehensive, medical payments, and roadside assistance.

Clearcover also offers rideshare coverage. Some drivers might not be aware that their personal coverage does not extend to working for a rideshare company.

When you are on the clock with Uber, Lyft, or another rideshare company, you need extra coverage. Clearcover allows drivers to add rideshare coverage to their personal policy for a low rate.

A less common coverage offered by Clearcover is alternate transportation coverage. While almost all car insurance companies offer rental car coverage if your vehicle is damaged, Clearcover goes a step further.

Drivers get $30 a day to use for any transportation costs while their vehicle is being repaired. This includes costs for a rideshare service, taxi, rental car, and public transportation.

What car insurance discounts are available with Clearcover?

Car insurance discounts are an easy way for drivers to significantly lower rates. Most companies offer many discounts in different categories, such as discounts based on your driving history or your car’s safety features.

However, Clearcover’s car insurance discounts are limited. For example, you can’t get a discount for bundling policies since Clearcover only offers car insurance.

Clearcover car insurance discounts include:

  • Defensive driver
  • Good student
  • Military
  • Restraint system
  • Multi-car
  • Paid-in-full

Check out this table of common car insurance discounts to see which discounts are normally available.

Car Insurance Discounts by Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Even if one company offers lower initial rates, discounts can change which company is cheaper for you.

How do you cancel Clearcover car insurance?

You can cancel Clearcover auto insurance at any time, but you may be charged a fee. Since Clearcover policies are only six months long, it might be easier to switch at the end of your policy.

You can cancel coverage through the Clearcover app or by calling customer service at 1-855-444-1875. You will need to provide the name on the policy, address, policy number, and the date you wish to cancel.

If you do cancel coverage, there are some steps you should follow to make the process as easy as possible.

Follow these steps to cancel Clearcover car insurance:

  • Find out when your coverage expires. If it’s soon, you might want to wait and switch instead of renewing.
  • Shop around for new coverage. Every company will offer you different rates, so comparison shopping will help you find the best deal.
  • Once you settle on a new company, complete the process. Make sure your start date is a day or two before your old policy ends to avoid a lapse in coverage.
  • Let Clearcover know you are leaving. When you have switched to the new policy, follow up to see if you are due a refund.

Is it bad to let insurance coverage lapse?

Yes, letting your coverage lapse can lead to a host of problems. You could face fines, your vehicle being impounded, a driver’s license suspension, and even jail time.

When you do renew coverage, you will also have much higher car insurance rates. Insurance companies like to see continuous coverage and will charge you more if you have a lapse.

How do you file a car insurance claim with Clearcover?

Clearcover has also streamlined the claims process. You begin the claims process through the app and can even upload pictures of your vehicle’s damage.

Clearcover takes great pride in how quickly claims are resolved. Drivers can get an appraisal in minutes, and the process is usually complete in around a week.

Keep in mind that filing a claim can result in an increase in your car insurance rates. Consider paying for repairs out of pocket if the damage is minor, or you are able to do so without making a claim.

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What are the Clearcover car insurance ratings?

When you’re picking a car insurance company, ratings are as important as rates. You need to know you can depend on your insurance company.

A.M. Best rates companies on financial stability. The Clearcover car insurance company has only been around since 2016 and hasn’t earned a rating yet.

However, Clearcover’s underwriter Fortegra has received an A- rating showing an excellent ability to meet financial obligations.

Clearcover has earned a Better Business Bureau (BBB) rating. The BBB rates companies on customer interaction and Clearcover received an A rating. Clearcover is also accredited, showing a willingness to address customer complaints.

Since Clearcover uses an app for insurance needs, ratings are very important. The Clearcover app received a 4.7/5 rating in both the Apple App and Google Play Stores.

Clearcover Car Insurance: The Bottom Line

Clearcover offers simplified car insurance to drivers in 18 states. However, the company is completely digital, so you don’t have a local agent to meet with.

Drivers who want to bundle policies, meet face-to-face to discuss insurance needs, or who don’t have a smartphone won’t find what they need with Clearcover.

Before you buy Clearcover car insurance, shop around. Compare rates and ratings to determine which car insurance company can give you great coverage with low rates.

We hope you’ve learned what you need to know about Clearcover auto insurance. Enter your ZIP code now to compare car insurance quotes from companies near you for free.