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Clearcover Car Insurance Review in 2022

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 12, 2021

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Key Takeaways

  • Clearcover only offers car insurance with a limited number of discounts
  • There are no local agents for Clearcover because everything is done through the website or app
  • Clearcover boasts a very fast claims process

When you are looking for cheap car insurance, consider Clearcover. Since Clearcover is a completely digital car insurance company, everything is handled online or through the app.

Although you may be able to find affordable Clearcover car insurance, the company might not be right for you if you need local, hands-on service because it doesn’t use agents. We’ll tell you all about this in our Clearcover car insurance review.

Before you buy Clearcover car insurance, shop around to make sure you are getting the lowest rates for the coverage you need. Every company will offer different rates and discounts, so comparison shopping is a must.

Keep reading our Clearcover car insurance review to learn more. Before you begin, enter your ZIP code to compare free car insurance quotes from companies in your area.

What are Clearcover car insurance rates?

Clearcover has only been around since 2015, but its underwriter Fortegra has been around much longer and is well-reviewed.

Clearcover is an online-only car insurance company that expects drivers to handle all needs either through the company’s website or app.

Drivers can only find Clearcover car insurance quotes through the website, and other tasks are completed in the app. You can make a payment, file a claim, update your policy, and get policy information through the app.

Since Clearcover does everything online, there are no local agents to meet with. While this does streamline the process and keep overhead low, it can be a drawback for drivers who want the personal touch.

It should also be noted that Clearcover is only available in 18 states.

Although Clearcover car insurance rates aren’t available, we can show you average annual car insurance rates from top companies to give you an idea of what your rates may look like.

Average Annual Car Insurance Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
American Family$3,368.49$3,544.37$3,416.40
Liberty Mutual$5,805.75$6,058.57$6,356.04
State Farm$3,055.40$3,269.80$3,454.80
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Clearcover rates are reportedly 30% cheaper than rates from traditional companies. However, rates will vary by driver.

Many different factors affect your car insurance rates, such as your age, driving record, ZIP code, and even your credit score.

Since each auto insurance company will evaluate your personal factors differently, every company will offer different rates.

What car insurance coverages does Clearcover offer?

Clearcover only offers car insurance. Standard coverages include liability, comprehensive, collision,  medical payments, and uninsured and underinsured motorist insurance.

Unlike other car insurance companies, Clearcover does not offer homeowners, renters, or other insurance policies. This means Clearcover may not be the company for you if you want to bundle multiple policies.

Clearcover does offer additional coverages such as roadside assistance which can be accessed easily through the app.

Rideshare coverage is also offered for drivers who work for Uber, Lyft, and other companies. However, the coverage does not extend to delivery drivers the work for companies like Grubhub.

A unique coverage offered by Clearcover is alternate transportation insurance if your vehicle is damaged.

While most auto insurance companies cover rental cars, Clearcover allows drivers to pay for public transportation, a rideshare service, or any other mode of transportation they choose.

What car insurance discounts are available with Clearcover?

Car insurance discounts are an easy way for drivers to lower rates, and most companies offer a variety of discounts based on your vehicle, type of policy, and you as a driver.

Clearcover offers a handful of discounts, but not nearly as many as other car insurance companies.

Clearcover car insurance discounts include:

  • Good driver discount
  • Paid-in-full discount
  • Multi-vehicle discount
  • Continuous coverage discount
  • Military discount
  • Anti-theft discount

Since Clearcover only offers car insurance, you can’t bundle policies for more savings.

For comparison, this table shows you common car insurance discounts offered by top companies.

Car Insurance Discounts
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
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
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
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
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 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
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
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
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
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Car insurance discounts can lower rates drastically. While one company may have lower initial rates, discounts can bring rates from another company down significantly.

It’s important to compare discounts as well as rates to make sure you are getting the best deal for you.

How do you cancel Clearcover car insurance?

You can cancel your coverage with the Clearcover car insurance company at any time. However, you may be charged a cancellation fee if you cancel before your six-month term is up.

You can cancel your policy by calling customer service at 1-855-444-1875 or by chatting with a representative in the Clearcover app.

Whether you are canceling your car insurance early or simply not renewing, there are steps that you need to follow.

Steps for canceling your Clearcover car insurance are:

  • Find out when your policy expires. If you are able to wait, it is easier to change car insurance companies when it’s time to renew.
  • Shop around for new auto insurance. Every company will weigh your personal factors differently and offer different rates and discounts.
  • Set up coverage with your new company. Complete any necessary paperwork and make your payment to get your car insurance coverage in place.
  • Let Clearcover know you are canceling. You will need to provide your name, address, and policy number. Also, make sure your cancelation date is at least a day or two after the start date of your new policy.
  • Follow up with Clearcover to make sure your policy was canceled and to see if you are due a refund.

It’s very important that you have new coverage in place before you cancel Clearcover car insurance.

According to the Insurance Information Institute, if you drive without valid insurance, you can face fines, a driver’s license suspension, and higher car insurance rates when you do get coverage.

How do you file a car insurance claim with Clearcover?

Clearcover makes filing an accident claim very easy. Simply begin the claims process and upload pictures of the damage to your vehicle in the Clearcover app.

Clearcover boasts an extremely fast claims process with estimates back in a matter of minutes and claims closed within one week.

Keep in mind that filing a claim can result in an increase in your auto 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.

What are the Clearcover car insurance ratings?

A.M. Best rates companies based on financial stability. However, Clearcover is too new on the insurance scene to receive a rating.

Fortegra, Clearcover’s underwriter, has been around for a long time and received an A- rating showing an excellent ability to meet financial obligations.

Companies are rated by the Better Business Bureau based on how successfully they engage with customers. Clearcover has been accredited and achieved an A rating.

Because Clearcover wants drivers to use the app to access their accounts and file claims, its performance is critical. Customers praise the Clearcover app for its ease of use and good ratings.

The Clearcover app received a 4.7/5 rating in both the Google Play and Apple App Stores.

Clearcover Car Insurance: The Bottom Line

Clearcover offers lower car insurance rates as an online-only company. However, discounts are limited, and Clearcover only offers car insurance.

If you want a local agent or to bundle multiple types of insurance policies, Clearcover may not be right for you.

So, although Clearcover may have low rates, it might not offer everything you need. Shop around and compare multiple companies to find your best deal.

Now that you’ve read our Clearcover car insurance review enter your ZIP code to compare quotes from car insurance companies near you for free.

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