Clearcover Auto Insurance Review (2022)

Clearcover auto insurance is offered online but is only available in 18 states. Clearcover offers standard auto insurance as well as rideshare coverage, alternate transportation coverage, and roadside assistance. While Clearcover car insurance is cheaper than average in some states, rates can be similar as other companies in other states. Clearcover isn’t rated by A.M. Best, but its parent company Fortegra has an A- rating.

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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 insuranc...

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 8, 2021

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Company Details
Address: 33 W Monroe St
City: Chicago
State: IL
ZIP Code: 60603
Phone Number: (855) 444-1875
Year Founded: 2016
AM Best Rating: A-
Company Rating 0 (0 reviews)

Finding the best auto insurance companies that fit your needs and offer a simple approach can be hard. However, Clearcover auto insurance may be just what you’re looking for.

Clearcover is an online company that offers streamlined auto insurance coverage. Although Clearcover only offers auto insurance, it also has rideshare coverage and multiple auto insurance discounts to get even lower rates.

Before you buy Clearcover auto insurance, shop around. Compare multiple companies to find the best deal for you.

Keep reading our Clearcover auto insurance review to learn if the company is right for you. Before you scroll down, enter your ZIP code to compare free auto insurance quotes from companies in your area.

What are the Clearcover auto insurance rates?

Clearcover has only been around since 2016, but its policies are underwritten by Fortegra, a major player in the insurance industry.

The Clearcover auto insurance company operates a little differently than other companies. For example, you can only get Clearcover auto insurance quotes online, which simplifies the process and saves the company money.

Clearcover doesn’t rely on local agents, so it might not be the company for you if you need to speak with someone in person. Clearcover does everything either through the website or the company’s highly-rated app.

The lower overhead means rates are reduced, which means more affordable Clearcover auto insurance in the 18 states where the company offers coverage. Rates are reportedly around 30% cheaper than other companies.

Although we don’t have Clearcover rates, this table shows you the average auto insurance rates from top companies. As noted above, Clearcover is about 30% cheaper.

Average Annual Auto Insurance Rates By Coverage Type
CompaniesAverage Annual Auto Insurance Rates for High CoverageAverage Annual Auto Insurance Rates for Low CoverageAverage Annual Auto Insurance Rates for Medium Coverage
Allstate$5,139.02$4,628.03$4,896.81
American Family$3,416.40$3,368.49$3,544.37
Farmers$4,494.13$3,922.47$4,166.22
GEICO$3,429.14$3,001.91$3,213.97
Liberty Mutual$6,356.04$5,805.75$6,058.57
Nationwide$3,505.37$3,394.83$3,449.80
Progressive$4,350.96$3,737.13$4,018.46
State Farm$3,454.80$3,055.40$3,269.80
Travelers$4,619.07$4,223.63$4,462.02
USAA$2,667.92$2,404.11$2,539.87

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Many factors affect auto insurance rates, such as age, driving record, where you live, and even your credit score. Rates will vary by driver, but each company will weigh those factors differently.

Remember that although rates might be cheaper with Clearcover, you won’t have an agent. Clearcover offers customer service and account information through the website and app only.

What auto insurance coverages does Clearcover offer?

Clearcover offers standard auto insurance coverages such as liability, collision, comprehensive, medical payments, and uninsured motorist.

Most states require at least a minimum amount of liability coverage, and other coverages like collision and comprehensive are not required.

Clearcover doesn’t offer any other types of insurance such as homeowners, renters, or pet policies. That means no bundling, and no bundling discounts.

Drivers can add on coverages such as roadside assistance and rideshare insurance.

You can access roadside assistance through the Clearcover app.

If you drive for Uber, Lyft, or another rideshare company, you need to add rideshare coverage. This is because your personal insurance won’t cover you while working for a rideshare company.

Clearcover allows you to add rideshare coverage to your auto insurance policy. This way, you only need one auto insurance company to meet all of your needs.

Clearcover also offers alternate transport coverage. If your vehicle is damaged, you may need help getting around.

While most auto insurance companies offer rental car coverage, Clearcover offers drivers the flexibility to pay for public transit, a rideshare service, and other ways of getting around.

Does Clearcover offer auto insurance discounts?

Although there aren’t any bundling discounts, there are many other car insurance discounts you can take advantage of with Clearcover.

Clearcover auto insurance discounts include:

  • Multi-car
  • Paid in full
  • Defensive driver’s course
  • Accident-free
  • Good student
  • Military
  • Deployed driver
  • New vehicle

You can also get discounts based on your car’s safety features, such as anti-lock brakes, passive restraint system, and anti-theft devices.

This table shows the common auto insurance discounts to look out for. If the amount of the discount is known, it is listed.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device / AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging / StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axx535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer / New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingN/A$30$233
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Passive Restraint4020x40
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75

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Discounts can make a huge impact on your auto insurance rates. Even if a company offers cheaper initial rates, discounts can change which company is cheaper for you.

Take into account all discounts you are eligible for to get the most savings and pick which company is right for you.

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How do you cancel Clearcover auto insurance?

Clearcover only offers six-month auto insurance policies, and you can cancel at any time. However, you may have to pay a cancellation fee.

To cancel your Clearcover insurance, you can call customer service at 1-855-444-1875. You can also chat with a customer service representative through the Clearcover app.

In order to cancel your Clearcover auto insurance policy, you will need your personal information like your name and address, as well as your policy number and the date you want to cancel.

Since the policies are only six months long, it may just be easier to switch companies when it’s time to renew your coverage.

It’s important to remember that you must have new coverage in place before you cancel your Clearcover auto insurance. If you allow a lapse in coverage, you could face fines, driver’s license suspension, jail time, and higher insurance rates when you do get coverage again.

How do you file an auto insurance claim with Clearcover?

Filing your auto insurance claim with Clearcover is amazingly simple. You begin the claims process through the app and upload pictures of the damage to your vehicle.

You’ll be contacted by a claims adjuster. Clearcover prides itself on how quickly claims are resolved, which is usually less than a week.

Keep in mind that filing a claim can cause your auto insurance rates to go up. If the damage is minimal or you are able to pay for repairs out-of-pocket, consider doing so to avoid filing a claim.

What are the Clearcover auto insurance ratings?

Clearcover is relatively new to the insurance scene, so it hasn’t had enough time to be fully rated.

A.M. Best rates companies on financial strength. Although Clearcover hasn’t earned an A.M. Best rating yet, Fortegra has an A- rating. This means the Clearcover underwriter has an excellent ability to meet financial obligations.

The Better Business Bureau rates companies on how well they interact with customers. Clearcover received an A rating and is accredited.

Since the the app is the main point of contact with the company, how well it performs is very important. The Clearcover app is considered very user-friendly and is highly rated by customers.

Both the Google Play store and Apple App store show the Clearcover app earned a 4.7/5 rating.

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Clearcover Auto Insurance: The Bottom Line

While Clearcover is very user-friendly and offers additional coverages like rideshare and alternate transportation, it isn’t available everywhere. It also doesn’t write any other insurance policies such as homeowners.

Clearcover boasts a very fast claims service, but rates will vary by driver and state. If you are looking for a very simplistic auto insurance company, Clearcover might be right for you.

Before you decide on Clearcover, shop around and compare multiple companies. Each one will offer you different rates, discounts, and coverages.

We hope you’ve learned all you need to know about Clearcover auto insurance. Before you go, enter your ZIP code to compare free quotes from auto insurance companies near you.

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