Clearcover Auto Insurance Review (2023)
Clearcover insurance company provides hassle-free auto insurance policies in 20 states, with plans to expand elsewhere in the future. To buy Clearcover auto insurance, use the 60-second coverage wizard tool on the company website. While Clearcover auto insurance rates are unavailable, some customers report saving up to $474 annually by switching to this company.
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Written by
Daniel Walker |
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Reviewed by
Daniel Walker
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UPDATED: Jun 28, 2022
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Clearcover insurance company sells hassle-free auto insurance online in 20 states, with plans to expand elsewhere in the future. This company prides itself on being convenient and fast.
For example, Clearcover states that covered claims may be paid out in as little as 7 minutes, with most claims taking less than one week. In this Clearcover auto insurance review, compare financial and customer ratings, learn how to request a quote, and more to determine if this is the right company for you.
After learning how to buy Clearcover auto insurance below, secure the best coverage for you by entering your ZIP code into our free rate comparison tool above.
What is Clearcover insurance?
Clearcover auto insurance company sells hassle-free online auto insurance in as little as one minute.
Currently, this company operates in 20 states, with plans to expand elsewhere soon.
Clearcover supposedly provides some of the fastest claims payments, with the current record at 7 minutes and the average claim taking less than a week to close out.
Payments are fast because the company uses a machine learning model to validate coverage and determine eligibility.
Fortunately, you can purchase most of the basic auto insurance coverages from Clearcover. However, optional policy add-ons are limited by state. You can use the Coverage Wizard tool on the company website to help you pick and choose the suitable insurance options for you.
But for specific details about what additional coverages are available where you live, you must contact an agent directly.
Clearcover also gives customers access to an award-winning mobile app compatible with most Apple and Android devices.
This is where you can create your Clearcover insurance login. Unfortunately, there appears to be no customer portal on the company website.
But within the mobile app, you can conveniently file and track claims, make policy changes, pay your bill, access roadside assistance, view your ID cards, and more.
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How do you request Clearcover auto insurance quotes?
You can request Clearcover auto insurance quotes by using the quote tools available on the company website or by contacting a customer service agent by phone.
The Clearcover insurance number is 855-444-1875 and is available Monday through Friday from 8 a.m. to 9 p.m. central time.
The online quote form typically takes as little as one minute to complete, and you can usually secure same-day coverage.
What are the average Clearcover auto insurance rates?
Currently, Clearcover auto insurance rates are not publicly available. However, the website shows success stories of drivers saving anywhere from $470 to $1,080 annually by switching companies.
Plus, if you request a quote, consider comparing it to the average cost of auto insurance in the state where you live.
The table below compares auto insurance expenditures in the 20 states where Clearcover operates, as recorded by the Insurance Information Institute (III).
| State | Average Annual Auto Insurance Expenditures |
|---|---|
| Alabama | $904.56 |
| Arizona | $1,046.40 |
| California | $1,034.05 |
| Georgia | $1,212.04 |
| Illinois | $916.49 |
| Indiana | $767.72 |
| Kentucky | $936.91 |
| Louisiana | $1,545.82 |
| Maryland | $1,211.83 |
| Mississippi | $971.19 |
| Missouri | $913.81 |
| Nebraska | $796.87 |
| Ohio | $794.91 |
| Oklahoma | $915.49 |
| Pennsylvania | $991.23 |
| Texas | $1,152.25 |
| Utah | $941.14 |
| Virginia | $853.78 |
| West Virginia | $938.71 |
| Wisconsin | $755.97 |
Keep in mind that many different factors impact your auto insurance costs, including your age, ZIP code, driving record, and even the type of car you drive. No matter what, it’s worth comparing auto insurance quotes from multiple top companies to ensure you get your lowest prices without compromising your coverage levels.
How do you file Clearcover auto insurance claims?
To file an auto insurance claim with Clearcover, you must use the mobile app. The app uses machine-learning technology, so you get paid fast.
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How long does it take for auto insurance to pay out a claim on average? It may take a few weeks, depending on a variety of factors.
But the current record for the fastest claim payout from Clearcover is 7 minutes, according to the website.
On average, most claims through this company take less than one week to close.
If you need to speak with an agent directly, you can also call the company’s customer service phone number for in-person assistance with claims.
Plus, representatives can also help through online chat tools in the customer help center.
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Does Clearcover offer any auto insurance discounts?
Clearcover does provide some auto insurance discounts for customers.
However, the company claims that most of the typical discounts you earn from the other top companies are already built into your quote.
That said, you can earn discounts for safe driving, having certain vehicle safety features installed in your car, using electronic documents, and paying for your policy in total upfront.
Plus, this company offers a discount for military personnel as well.
Contact a company representative during operational business hours for more specific details about the Clearcover rate reductions available where you live.
What are the Clearcover ratings and reviews?
It’s a smart idea to compare an insurance company’s financial and customer ratings before purchasing a policy. This way, you can determine if the company is reliable and efficient.
Fortunately, Clearcover received an A- score from A.M. Best, one of the leading credit rating agencies.
This implies that Clearcover is financially sound and can follow through on its promises to policyholders.
Plus, customer experiences also remain relatively favorable for this company. Clearcover is accredited by the Better Business Bureau (BBB) and earned an A+ rating.
It also earned a complaint index score of 0.00, according to the National Association of Insurance Commissioners (NAIC).
The median is always set to 1.00, so a 0.00 implies that no customer complaints were filed for this company.
Based on the available Clearcover insurance reviews, it appears customers are satisfied with their experiences using this auto insurance company.
Does Clearcover sell other insurance products?
Clearcover only sells auto insurance policies. Currently, the coverage is available in 20 states, but the company plans to expand nationwide in the future.
To provide customers with the cheapest possible rates, this company only focuses on auto insurance and puts more effort into updating and maintaining a state-of-the-art mobile app.
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What is the history of Clearcover insurance?
Clearcover was launched in 2016 and was founded by insurance industry veterans Kyle Nakatsuji and Derek Brigham. The startup hoped to use a data-driven platform and minimalist approach to provide potential customers with the cheapest possible auto insurance rates.
Today, Clearcover sells auto policies almost entirely online in 20 different states, with plans to reach the rest of the nation shortly.
According to the website, the mobile app has been award-winning for the last two years in a row. Plus, utilizing advanced machine-learning technology means customers get speedy claim payouts.
Clearcover Insurance: The Bottom Line
Clearcover is ideal for safer drivers who prefer interacting with their insurance company almost entirely online.
While there aren’t as many stackable discounts available from this company, the rates are supposedly lower than average, thanks to lower marketing overhead costs.
Plus, the company does offer swift payout turnaround times for claims.
However, this company is currently not available in all 50 states. Plus, some drivers may secure cheaper rates by earning stackable discounts from other more traditional insurance companies.
So, as always, it’s worth comparing multiple quotes from different companies online before deciding if Clearcover is right for you.
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