Clearcover Car Insurance Review for 2022
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Dec 22, 2021
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Here’s the Scoop
Clearcover car insurance is only available in 15 states, but the company plans to expand in the future
Clearcover recently added the option of using an independent agent to buy car insurance
You may find cheaper options when you compare Clearcover insurance with other local companies
Clearcover car insurance company launched in 2016 and is quickly becoming one of the most popular insurers because of its competitive rates and wide range of coverages. But is Clearcover insurance right for you?
Finding the right insurance company involves some shopping around. You’ll get the best rates when you compare Clearcover against the best car insurance companies in your area.
Use this guide to start comparison shopping now. We’ll look at car insurance rates by state and compare Clearcover car insurance policies and discounts to other major providers. Keep reading to get free insurance quotes from companies in your area.
Ready to learn more about Clearcover car insurance? Read on for the details. If you’d rather compare car insurance quotes from multiple companies now, just enter your ZIP code above to get started.
How much does Clearcover car insurance cost?
Clearcover car insurance rates are very competitive. It operates almost entirely online in order to save money and then passes these savings on to the drivers. Unfortunately, you can only get Clearcover car insurance quotes directly from the company website.
To save you some time and give you an idea of how much Clearcover insurance costs in your state, take a look at the table below. This is the average cost of car insurance in your area for liability-only and full coverage policies.
States With Clearcover Car InsuranceMonthly Liability-Only Car Insurance RatesMonthly Full Coverage Car Insurance 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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What states does Clearcover insurance cover? Clearcover is only available in the 15 states listed above, but the company plans to expand to 10 more states in the not-too-distant future. If you see your state in the table, then you can buy Clearcover car insurance in your area.
Be aware that your rates will vary based on where you live. For example, local weather and auto theft rates in your neighborhood will impact your Clearcover auto insurance quotes. As you can see from the table, Louisiana car insurance rates are more expensive than any other state.
However, you can still save money on car insurance by being a good driver and only paying for coverage you need. Shop around and consider the age of your vehicle before you buy excessive car insurance coverage you don’t really need. Use this free car insurance calculator to get more accurate car insurance quotes.
Does Clearcover offer insurance discounts?
Clearcover insurance doesn’t explicitly offer many discounts, but drivers still earn reduced rates for clean driving records, safety features and anti-theft devices, paperless billing, and more.
Clearcover offers a 15% car insurance discount for active military members. If you live in Louisiana, you qualify for 25% off.
However, both active and retired military service members qualify for big discounts with many insurance companies. These companies are also likely to extend this discount to other drivers in your family. They may even offer additional discounts for professional degrees and other membership discounts.
You may also find bundling discounts with bigger companies that offer more than just car insurance. But since Clearcover specializes in online-only car insurance, you may still get cheaper quotes even without a bundling discount. That’s why it can pay to shop around to find cheaper coverage with another company that caters to your unique situation.
How much do Clearcover insurance add-ons cost?
Clearcover provides competitively-priced add-ons, especially if you need rideshare car insurance. Be aware that rideshare insurance laws can vary by state, but you can still secure affordable Clearcover car insurance with a rideshare endorsement.
You can add the Clearcover rideshare endorsement to your existing policy for as little as $10/month, which is significantly less than the cost of a separate or commercial policy.
Compare these rideshare car insurance rates against some of the best car insurance companies for Lyft drivers to see if Clearcover is the best fit for your driving situation.
Depending on the level of coverage you need, you could qualify for cheap Clearcover car insurance quotes. What are the different types of car insurance?
Let’s take a look at Clearcover’s policy and add-on options to see how much coverage you need:
Liability-only coverage
Collision coverage
Comprehensive coverage
Uninsured motorist coverage
Medical payments coverage (MedPay)
Roadside assistance
Alternative transportation coverage
Rideshare endorsement
Choosing only liability coverage will give you the cheapest rates, but adding the additional coverage will protect you in the event of an accident or other unforeseen catastrophe. Further, depending on where you live or the terms of your auto loan, you may be required to carry additional coverage and add-ons.
For example, collision and comprehensive coverage are almost always required if you are leasing a vehicle or making payments on an auto loan. Uninsured motorist coverage is also required in certain states, including Illinois and Nebraska. Having these coverages on your policy will raise your Clearcover insurance rates.
Clearcover insurance add-ons, like roadside assistance, aren’t required, but you may choose to buy it if you have a long commute or drive late at night. However, insurance add-ons also raise your rates, so keep that in mind as you shop around for affordable car insurance.
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What are Clearcover’s insurance ratings?
Clearcover car insurance reviews are positive when it comes to the company’s rates and customer service. But if you’re looking for A.M. Best ratings, you’ll have to wait. Clearcover insurance is too new to have built a big enough financial reputation for A.M. Best.
How long has Clearcover been in business? The company launched in 2016, but recent investments and updates to the company’s business model — including adding independent agents — could boost its market share.
But despite its small size, Clearcover care insurance reviews are positive across the board. It earned an A+ rating for customer service from The Better Business Bureau (BBB) and a 3.86 out of 5 from individual reviews, which praise an easy claims process and responsive agents.
The Clearcover mobile app is also highly-reviewed with a 4.7/5 on both Apple and Google Play. This is important since the company operates almost entirely online.
You will need a Clearcover insurance login to pay your insurance bills, manage your account, and file a claim. But if you prefer to do everything online or over the phone, Clearcover could be the best insurance company for you. Read more mobile reviews to determine whether it’s the right fit before you buy.
Can you only file Clearcover insurance claims online?
Although it’s an online company, there are options for claim filing. Fortunately, if you’re in an accident, you can file a Clearcover car insurance claim through the app, email, or over the phone.
Call the Clearcover insurance claims phone number at 855-444-1875 to file a claim or speak with customer service.
However, according to most customer reviews, the mobile app is the preferred method for filing a claim. You can still reach customer service by calling the number above. A claims adjuster may also contact you via phone after you file your claim online.
Can you cancel Clearcover car insurance online?
Yes, you can cancel Clearcover car insurance online through email, but you actually have two options to cancel:
Call customer to service to cancel your policy at 855-444-1875
Email [email protected] to cancel your policy online
Before you start a new auto insurance policy with Clearcover or any other insurance company, you’ll need to cancel your existing policy first. Clearcover will not charge you a cancellation fee if you cancel during the renewal period, but you risk paying a fee if you cancel early. However, if you paid your policy in full, Clearcover will refund you any remaining fees you did not use.
While canceling car insurance online is convenient, other insurance companies won’t charge you a fee for canceling early. Clearcover will. If you like to switch car insurance companies often to save money, a cancellation fee may not be an expense you’re willing to pay. Keep that in mind as you shop around for more affordable car insurance.
Should you buy Clearcover car insurance?
Overall, Clearcover car insurance is a competitively-priced option. However, coverage is only available in 15 states. The company has plans to expand, but you will have to shop with other local companies in the meantime if Clearcover isn’t available where you live.
If you only need basic liability and prefer to manage all of your insurance online, then Clearcover could be an affordable choice for you. It’s also a very affordable choice if you need rideshare auto insurance.
Clearcover car insurance reviews are positive across the board when it comes to customer service and claims, but it’s still too small to compete with companies with bigger companies.
However, smaller insurance companies often offer more affordable coverage because they don’t have the same overhead costs as those bigger insurers.
Being a smaller company also means Clearcover doesn’t have a large independent agent base. So if you prefer to work with a car insurance agent, you may have to wait for the company to expand and shop elsewhere. If you currently have Clearcover car insurance and agents aren’t yet available in your state, you can reach someone by calling the Clearcover car insurance phone number at 855-444-1875.
Now that you know more about Clearcover auto insurance, it’s time to see how other insurers in your area stack up. Enter your ZIP code below to compare car insurance quotes from local companies for free.
