Clearcover Auto Insurance Review for 2024 (See How Much You Can Save)

The Clearcover auto insurance review highlights its position as a standout choice for drivers looking for reliable coverage. Clearcover excels with its fast claim processing, often handling claims in minutes, which appeals to those seeking quick resolutions.

The company also caters to the needs of gig economy workers by offering specialized rideshare auto insurance coverage, making it an excellent option for Uber and Lyft drivers.

Clearcover Auto Insurance Rating

The streamlined, Clearcover app-based service enables policyholders to manage their insurance with ease, further emphasizing the company’s focus on efficiency.

Clearcover blends simplicity and essential protection with these features, making it a strong contender for modern drivers looking for hassle-free auto insurance. Find an auto insurance company near you by entering your ZIP code into our free quote tool above.

What You Should Know About Clearcover

Clearcover reviews suggest the company has a higher-than-average number of customer complaints. In addition, most Clearcover car insurance reviews note the company’s claims handling process has issues, and there is no straightforward method of communication outside of the Clearcover insurance app.

While the company states Clearcover insurance claims are easy to file and some payouts happen within minutes, many customers say the process can be a bit of a headache.

If you’re considering purchasing an auto insurance premium policy with Clearcover, you may want to read some of the company’s reviews. Additionally, it’s important to note that J.D. Power does not rank the company and that there is not much information available online. See more details in our guide titled, “How to Evaluate Auto Insurance Quotes.”

Age and Gender Impact on Clearcover Rates

Clearcover’s auto insurance rates fluctuate based on a driver’s age and gender, reflecting common industry pricing trends. These variations highlight how demographic factors influence insurance costs, making it crucial to understand how they affect your premiums.

Clearcover Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

The table above reveals that younger drivers, particularly teenagers, face significantly higher rates. A 16-year-old male pays $131 monthly for minimum coverage, while a female of the same age pays slightly less at $120.

As drivers age, the rates decrease substantially; for example, a 30-year-old male pays $27 for minimum coverage compared to the higher teenage rates. Gender differences are also evident, albeit to a lesser extent, among older age groups.

For instance, 45-year-old females pay $23 for minimum coverage, while males of the same age pay $22. These disparities underline the importance of considering both age and gender when selecting the appropriate coverage level with Clearcover.

Driving history plays a crucial role in determining Clearcover’s auto insurance rates. Whether you have a clean record or past infractions, your monthly premiums can vary significantly. Find more information in our complete guide, “What are the recommended auto insurance coverage levels?”

Clearcover Insurance Rates Breakdown

Clearcover claims to offer affordable rates to its policyholders, but in most cases, the company’s average rates are much higher than the national average.

To know how much you would pay for coverage with Clearcover, you’ll need to go to the company website and get a Clearcover quote.

Clearcover Car Insurance for Teens

Teenagers pay the most expensive rates of anyone on average. Still, car insurance rates for teenagers with Clearcover are 35% higher than the national average for females and 27% higher for males.

Clearcover’s teen driver rates are more than double USAA’s rates for similar coverage. More information is available about this provider in our article, "Auto Insurance for Men vs. Women."

Clearcover Young Adult Car Insurance

Individuals often pay less for auto insurance premiums once they turn 25, as long as they have clean driving records.

But Clearcover rates for young adults are anywhere from 5% to 6% higher than the national average.

Clearcover’s rates for young adults are nearly $1,000 more annually than USAA’s.

Clearcover Car Insurance for Adults

Like previous examples, Clearcover’s car insurance rates for adults are higher than the national average. And the company’s rates are double USAA’s rates for similar coverage.

Senior Driver Car Insurance With Clearcover

Clearcover’s car insurance rates for senior drivers are 6% higher than the national average for females and 9% higher for males.

Clearcover’s rates for senior drivers are nearly $600 more per year than Geico’s rates for similar coverage.

Clearcover Insurance Coverage Options

Clearcover offers the standard options for auto insurance, plus a few more add-ons for extra protection. Clearcover’s insurance coverages include the following:

• Liability
• Property Damage Liability
• Collision
• Comprehensive
• Personal Injury Protection
• Medical Payments
• Uninsured/Underinsured Motorist
• Rideshare
• Roadside Assistance

Some car insurance companies are unwilling to offer coverage to people who drive for rideshare services like Uber or Lyft. Clearcover claims to offer affordable rideshare coverage options to its policyholders.

Learn more about our latest announcement via @ITI_Insurtech https://t.co/yN05Otbzlu

— Clearcover (@clearcover) October 3, 2023

The company only allows people to purchase six-month policies, and Clearcover evaluates each person’s driving record at each renewal. So if you haven’t had an accident, your rates will remain the same or even decrease. But if you’ve been in a wreck or filed a claim, you may find that your rates have increased.

Clearcover Auto Insurance: A Comprehensive Look at Pros and Cons

Clearcover stands out for its seamless digital experience and fast, efficient claims process. Its rideshare coverage options further make it an excellent choice for gig economy drivers.

• Rideshare Coverage: Tailored policies for Uber and Lyft drivers set Clearcover apart from many competitors.
• User-Friendly App: The mobile-first approach allows users to manage everything from policy updates to claims with ease.
• Fast Claims Processing: Clearcover’s swift claims payouts, sometimes within minutes, appeal to drivers looking for quick resolutions.
• All-Digital Experience: Clearcover eliminates paperwork by handling everything through its streamlined app and website.

Clearcover excels in areas of digital efficiency, making it perfect for those who prefer tech-driven solutions.

While Clearcover shines in digital innovation, it falls short in terms of pricing and availability. The lack of bundling options can make it less attractive for families or homeowners seeking multi-policy discounts.

• No Bundling: Clearcover does not offer discounts for bundling auto and home insurance, unlike other major providers.
• Higher Rates: Drivers may face higher premiums compared to industry giants like Geico or USAA.
• Limited Availability: Clearcover is not available in all states, limiting its accessibility to many potential customers.

Despite its higher rates and limited offerings, Clearcover’s digital-first approach and efficient claims process make it a solid choice for tech-savvy, single-policy drivers. Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.