Clearcover Auto Insurance Review 2024

Overall, Clearcover is great for drivers who are looking for low car insurance rates and a convenient way to manage their policies.

Clearcover Is Best for Those Who:

• Are looking for cheap and fast insurance policies
• Drive for a rideshare company like Lyft, Uber, or DoorDash
• Want to manage their insurance through an app
• Actively serve in the U.S. military

Clearcover Is Not Best for Those Who:

• Want to bundle multiple types of insurance like home and life insurance
• Live outside of:
  • Alabama
  • Arizona
  • Georgia
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Maryland
  • Mississippi
  • Missouri
  • Nebraska
  • Ohio
  • Oklahoma
  • Texas
  • Utah
  • Virginia
  • West Virginia
  • Wisconsin

On average, Clearcover costs $1,830 per year for full coverage and $520 per year for minimum coverage — around 4 percent below the national average. Keep in mind that your actual premium with Clearcover will likely differ than the average, especially with available discounts, which we’ll discuss in greater detail later.

Below, check out the table to see how Clearcover compares to other insurers:

With Clearcover, your eligible auto insurance discounts are automatically included in your quote. The only discount amount it specifies applies to military members, who get 25 percent off. So, you’ll need a quote to see exactly how much the discounts impact your potential premium. Moreover, some discounts only apply to some states — for example, customers in Louisiana get an extra 25 percent off with the military discount, and their children also qualify for the discount.

You can enjoy a discount on your premiums for the following:

• Safe driving
• Receiving electronic documents
• Paying upfront
• Having vehicle safety features
• Being a student with good grades
• Being in the military

Clearcover is geared towards digitally savvy customers and offers a quick and easy way to get quotes. You can get a quote online, either on desktop or mobile. When you kickstart the quote process, Clearcover even gives you an overview of the steps to expect.

Unfortunately, I can’t speak to the entire experience because Clearcover doesn’t offer coverage to new customers in California. This is a recent development, as the provider previously insured California drivers.

Interestingly, when I entered a Pennsylvania address, I received the same message that Clearcover is not available in my state, despite the fact that Clearcover used to insure drivers in Pennsylvania.

Clearcover provides standard auto insurance coverages, like liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments.

When choosing your policy, I always recommend opting for coverage limits beyond your state’s minimum requirements. This ensures that you’ll be protected if a major accident occurs, avoiding paying out-of-pocket for damages. Minimum liability usually isn’t enough to cover damages in serious incidents. Even if you’re on a budget, it helps to increase your coverage limits even a little to suit what you feel comfortable paying for.

Clearcover doesn’t offer accident forgiveness, and its add-on coverage options are less robust compared to major insurers. Still, the additional coverages it does offer are useful: you can sign up for roadside assistance, ridesharing, and alternative transportation.

Here’s a closer look at these coverages:

Since Clearcover is a smaller provider, it isn’t rated by the independent bodies our team typically uses for third-party data, like J.D. Power, CRASH Network, or AM Best. However, we can still refer to other sources to see how satisfied drivers are at Clearcover.

According to Demotech, an independent financial agency, Clearcover has an exceptional rating for financial strength, so you can count on them to fulfill claims payouts.

The National Association of Insurance Commissioners (NAIC) gave Clearcover a complaint index score of 8.91, meaning the insurer received 8.91 times more complaints than other companies of a similar size. Also, NAIC reported 51 complaints that same year, 10 of which were related to policy nonrenewal, and 7 related to policy cancellation. From the numbers, it’s clear that customers are having trouble getting continuous coverage from Clearcover.

The Better Business Bureau has accredited Clearcover since 2017, giving the company an A+ rating. However, it has an aggregated score of 2.96 stars out of five from 93 customer reviews. Many complaints mention having their policies terminated without warning or being notified that they aren’t eligible for policy renewals. Others point to challenges getting claims payouts and being denied coverage in eligible incidents.

If you need to file a claim, you can do so using the Clearcover app or over the phone. Clearcover recommends using its app so it can estimate your claims payout immediately using its AI technology. To file a claim, make sure you have the following information:

• The location, time, and date of the incident
• Pictures of the vehicle
• The other party’s license and insurance information
• Any filed police reports from the incident

Clearcover advertises on its website that its claims payout record is 7 minutes. However, some customer reviews mention that it’s taken much longer for them or that their claims were denied altogether. Typically, how long a claim takes depends on the extent of the damage among other factors. It’s worth taking this information into account before purchasing a policy — after all, it’s important for providers to be reliable during the claims process.

Since Clearcover is technology-focused, its customer experience revolves around the mobile app. You can still file claims on its website, though you’ll need to use the app for nearly everything else, including managing your policy. While I can’t speak to the app experience since I’m not a Clearcover customer, there’s plenty of information available from the reviews for the iPhone and Android apps.

The iPhone app has a 4.7-star rating aggregated from 13,200 ratings, though there are only a few written reviews. Most of the reviews are unrelated to the app — a couple are from young drivers who secured low rates from the provider, while others are complaints about having their policies abruptly cancelled. In an app-related review, one customer mentioned having trouble completing payment because the app froze.

Meanwhile, the Android app has 4.4 stars aggregated from 4,750 ratings. Many reviews mention that the app is user-friendly and easy to navigate. Also, customers report enjoying the convenience of its features — they can access a live chat with an agent, get roadside assistance, and pay premiums all in one place.

We evaluate auto insurance providers on the following:

1. Value and coverage: We look at the discounts, accessibility, and value in relation to the offered coverage.
2. Customer experience: As auto insurance customers, we use our own experiences to give insight into the shopping process and ease of engagement with a provider.
3. Claims handling: The biggest priority of any insurance provider is claim fulfillment. Our analysis includes breaking down claims processes with third-party data, customer reviews, and our own experience.
4. Industry ratings and reviews: We gather third-party data from reliable sources to assess factors like complaint records and customer satisfaction.
5. Digital tools and technology: We evaluate the user experience of websites, mobile apps, and online account management features.