Clearcover Auto Insurance Review (2022)

Clearcover Insurance Company only offers auto insurance, but their policies aren't available in every state.

UPDATED: Sep 7, 2022Fact Checked

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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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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 7, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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: Sep 7, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 7, 2022Fact Checked

The Bottom Line

Clearcover is an up-and-coming insurance company that may be a good option for some people. The company’s simple coverage options and streamlined approach to filing claims could be an excellent fit for you.

Still, the company is only available in 20 states, and rates for coverage are consistently higher than other companies. Before choosing a policy with Clearcover, shop online and compare car insurance quotes from multiple insurance companies in your area.

Things to Remember

  • Clearcover offers rideshare insurance coverage
  • The company is known for paying out claims quickly
  • Clearcover insurance is not available in every state

One of the hardest things about finding car insurance is deciding which company to use. Some companies promise low rates, while others offer perks and incentives. Clearcover offers no-nonsense car insurance coverage and simple insurance plans. Also, claims are said to be paid in as little as seven minutes.

Unfortunately, Clearcover only offers auto insurance, and the company does not have policies available in every state. Still, if you’re searching for the best car insurance company in your area, you may want to consider Clearcover Insurance.

Is Clearcover Insurance Company a Good Choice?

Clearcover insurance 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 not a 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 a policy with Clearcover, you may want to read some of the company’s reviews. Also, it is worth noting that the company is not ranked by J.D. Power and does not have much information online.

Clearcover Insurance Company Rates

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 insurance 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.

Clearcover Young Adult Car Insurance

Individuals often pay less for car insurance 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 Rates After a Speeding Ticket

A speeding ticket on your driving record will cause your insurance rates to increase, but Clearcover’s rates are higher than the national average and many other companies’ rates.

Clearcover’s rates after a speeding ticket are $500 higher than the national average and double USAA’s. And State Farm offers rates after a speeding ticket for nearly $1,000 less than Clearcover.

Clearcover Rates After an Accident

Just like a speeding ticket, an accident will make your car insurance rates increase. Still, Clearcover’s rates after a car accident are nearly 28% higher than the national average.

The company’s rates are nearly double USAA’s after a speeding ticket and more than $1,200 higher than State Farm’s.

Clearcover Car Insurance After a DUI

A DUI can significantly increase a person’s car insurance rates. Surprisingly, Clearcover’s rates after a DUI are just 2% higher than the national average.

People with poor credit pay over $1,000 more for coverage with Clearcover than they do for similar coverage with GEICO.

Still, State Farm offers rates that are around $950 less annually than Clearcover’s after a DUI.

Clearcover Rates with Poor Credit

A person’s credit score can significantly impact their car insurance rates. When it comes to Clearcover, people with poor credit pay around 7% more than the national average for coverage.

Minimum vs. Full Coverage Auto Insurance with Clearcover

Purchasing a liability-only policy can help you save significantly on auto insurance. But this type of coverage does not protect your vehicle from any damage. Clearcover’s minimum coverage rates are 22% higher than the national average. Full coverage rates with Clearcover are 27% higher than the national average.

GEICO offers liability coverage that’s almost $700 less per year. Clearcover’s rates are twice as much as USAA’s and $800 more annually than GEICO’s.

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Clearcover Insurance Company 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:

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.

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 increase.

Frequently Asked Questions

Does Clearsurance offer other types of insurance?

Clearsurance only offers car insurance, though the company has partnered with Hippo to offer homeowners insurance.

How can I get a Clearcover quote?

You can visit the company’s website or call 855-444-1875 to get a car insurance quote.

In what states is Clearcover offered?

You can purchase Clearcover auto insurance in Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia, and Wisconsin.

How can I file a claim with Clearcover?

The best way to file an insurance claim with Clearcover is to use the company’s mobile app.

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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.

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...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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