Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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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. 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.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 17, 2021

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Company Details
President: Kyle Nakatsuji
Address: 33 W Monroe St
City: Chicago
State: IL
ZIP Code: 60603
Phone Number: (855) 444-1875
Toll Free: No Toll Free Number Known
Year Founded: 2016
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Clearcover is relatively new to the auto insurance market and offers only online coverage in 18 states. Clearcover auto insurance rates are reportedly lower than average, and it has a fast claims process.

However, the company doesn’t use local agents, so it may not be a good fit if you want to be face to face.

Before you buy Clearcover auto insurance, shop around to find your best deal. Compare various companies to see who can offer your the lowest rates on the coverage you want.

Keep reading our Clearcover auto insurance review to learn more. Enter your ZIP code before you begin to compare free auto insurance quotes from companies near you.

What is Clearcover auto insurance?

Clearcover is a newer car insurance company that only offers coverage online. In fact, you can only get a Clearcover auto insurance quote online, and drivers use the app for any needs.

Clearcover also doesn’t use local agents. While that can keep overhead low, drivers who want that personal touch won’t find it with Clearcover.

Since Clearcover only offers auto insurance in 18 states, you might not be able to find it near you.

What are Clearcover auto insurance rates?

Although Clearcover auto insurance rates aren’t available, rates are reportedly 30% lower than average in part because of the streamlined approach to insurance.

This table shows average annual rates from top companies and can give you an idea of what rates to expect.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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Keep in mind that rates will vary for each driver. Factors that affect auto insurance rates include your age, driving record, and ZIP code.

What auto insurance coverages does Clearcover offer?

Clearcover only offers auto insurance and isn’t a good fit for drivers who want to bundle multiple policies like homeowners with auto coverage.

Clearcover car insurance coverages include:

  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • Uninsured/underinsured motorist
  • Roadside assistance
  • Rideshare
  • Alternate transportation

Does your car insurance cover Uber?

If you drive for a rideshare company like Uber or Lyft, your personal auto insurance won’t cover you while you work. However, adding rideshare coverage from Clearcover is easy and affordable.

Alternate transportation is a unique coverage offered by Clearcover, While most auto insurance companies offer rental car coverage if your vehicle needs repairs, you are very limited in transportation.

Clearcover’s alternate transportation coverage offers drivers $30 a day to spend on any transportation they need.

So instead of being limited to a rental car, drivers can use rideshare, taxis, public transit, or any other mode of transportation they need.

What auto insurance discounts are available with Clearcover?

Auto insurance discounts help drivers easily lower rates. Discounts are based on your driving, the type of policy you have, and even the features of your vehicle.

Clearcover’s discounts are limited, and extra savings by bundling policies aren’t available since only car insurance is offered.

Clearcover auto insurance discounts include:

  • Policy discounts such as paid-in-full, multi-vehicle, continuous coverage, partner, and future effective date discounts
  • Discounts based on your car’s features like seat belt, anti-theft, new vehicle, restraint, and anti-lock brakes discounts
  • Driver discounts including good driver, driving experience, financial responsibility, defensive driver, military, and deployed driver discounts

Take a look at this table of common auto insurance discounts offered by top companies. As you can see, drivers with Clearcover don’t get as many discounts as drivers with a top company.

Auto Insurance Discounts from Top Companies
Auto 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
Anti-Theftxxx252025x15xx
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
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
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
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 AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
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
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
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
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
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Be sure to take into account discounts offered by each auto insurance company when you are comparing rates. Although one company may have lower quoted rates, discounts can make a huge difference in which company is actually cheaper for you.

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How do you cancel Clearcover auto insurance?

You can cancel your Clearcover auto insurance at any time in your six-month policy term. However, a fee can be charged if you cancel early.

You can cancel coverage through the app or by calling customer service at 1-855-444-1875. Either way, you will need your name, address, and policy number to begin the process.

Whether you choose to cancel your policy early or switch companies when your policy ends, there are certain steps you need to follow.

First, determine when your Clearcover policy ends. Since the policies are only six months long, it might be cheaper and easier to wait until your policy ends.

Next, shop around for new auto insurance. Compare multiple companies because each one will offer you a different rate. Once you make your choice, complete the process and get your new coverage ready to begin.

Now you are ready to cancel your Clearcover auto insurance. Make sure that your new policy begins a day or two before your old policy ends.

According to the Insurance Information Institute, a lapse in car insurance can lead to fines, driver’s license suspension, and even jail time. Not to mention, your auto insurance rates will be much higher after a lapse in coverage.

Lastly, follow up with Clearcover to see if you are due a refund if you paid your rates in advance.

How do you file a Clearcover auto insurance claim?

Clearcover takes great pride in how quick and easy its claims process is.

Drivers can file a claim and upload pictures of the vehicle damage straight from the Clearcover app. An appraisal can be sent back in minutes, and the whole process is complete in about a week.

However, drivers should remember that filing a claim can increase auto insurance rates.

If damage is minimal, consider paying for repairs yourself. Although you will pay more upfront, lower rates will save you money in the long run.

What are the Clearcover auto insurance ratings?

Ratings are just as important as rates when it comes to insurance. You need to know that your auto insurance company has your back when you need it.

A.M. Best ratings how whether or not a company is financially stable. Clearcover is a very new insurance company and has not earned an A.M. Best rating yet.

However, its underwriter Fortegra shows an excellent ability to meet financial obligations with an A- rating. So drivers can rest assured that while the Clearcover auto insurance company isn’t rated, it is backed by a financially secure company.

Clearcover has been around long enough to receive a Better Business Bureau (BBB) rating. The BBB rates companies based on customer interaction, and Clearcover earned an A rating and is accredited.

App ratings are also very important since drivers use the Clearcover app for most needs. The Clearcover app received a 4.7/5 rating in both the Google Play and Apple App Stores.

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Clearcover Auto Insurance: The Bottom Line

Although you may get affordable Clearcover auto insurance, you can’t bundle policies or speak with a local agent. Discounts are also minimal.

However, if you only want simplified auto insurance, Clearcover may be right for you.

Always shop around before committing to an auto insurance company to ensure you are getting a great deal.

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