Clearcover Auto Insurance Review: Should you buy in 2024?

What You Should Know About clearcover

Clearcover does have competitive rates and provides good options for coverages. While coverage options with Clearcover are relatively basic, they meet the needs of most drivers. Many people could save money by choosing Clearcover over its competitors. 

One coverage option Clearcover offers that’s pretty specific to the company is alternate transport coverage. Many companies provide rental car reimbursement, but Clearcover’s alternate transport coverage will help drivers who prefer to use rideshare services or public transportation while their vehicles are out of commission.

This coverage helps many people avoid dealing with rental car companies. Additionally, because Clearcover insures rideshare drivers, the company is clearly stating the importance and viability of the rideshare industry as a whole. 

Is the Clearcover app helpful?

Clearcover’s mobile app is beneficial and user-friendly. The app allows policyholders to access their insurance information at any time, and many of the app features allow for convenience and less stress when it comes to using the coverage.

If you’re in an accident or your vehicle is damaged and you need to file a claim, Clearcover’s mobile app allows you to do so almost instantly. You can include information and pictures of the incident and ask questions about your coverage. Additionally, the app will enable you to follow the status of your claim from start to finish.

The Clearcover app also helps when you need to pay your bill. Instead of logging onto a website or mailing a check, Clearcover allows you to pay for your coverage via the app or set up automatic payment plans.

Clearcover’s app is also helpful if you are stranded and need roadside assistance. Whether you need fuel services or a flat tire repair, you can request help and check the status of your assistance via the company’s app.  For more information, see does auto insurance cover roadside assistance?

While we all hope we won’t need to access or utilize our car insurance coverage, there may be times when you’re required to show proof of insurance. With the Clearcover mobile app, you don’t have to worry about keeping a physical insurance card in your vehicle. Instead, you can simply pull up your information straight from your phone.

Lastly, Clearcover allows you to communicate with company representatives anytime via the company app. If you have a question about your policy or are concerned about a claim, you can contact and chat with a Clearcover employee 24/7.

How is Clearcover’s customer service? 

Clearcover does not have as much information online as other insurance companies, but this is not for any negative reasons. The company was founded in 2018, and customers haven’t had the same time to discuss the company’s positives and negatives in an online environment. 

Clearcover is not rated by J.D. Power or the National Association of Insurance Commissioners (NAIC), but the Better Business Bureau (BBB) offers a positive A+ rating on its website. Additionally, customers have given Clearcover a 3.78 out of five stars in reviews. 

Most Clearcover car insurance reviews state that the company does an excellent job with its customer service. Still, some individuals are displeased with how the company handles claims or state that the company did not pay out as it should.

Still, many other insurers have negative reviews on the BBB website, so Clearcover’s reviews are relatively refreshing. If you’re considering a Clearcover car insurance policy, you may want to research and read some customer reviews online. Doing so will allow you to better understand how the company handles policies and whether its customer service would work well for you. 

Where is Clearcover available?

One of the downfalls of Clearcover insurance is that it’s not available throughout the U.S. Rather, Clearcover is only available in 20 states:

• Alabama
• Arizona
• California
• Georgia
• Illinois
• Indiana
• Kentucky
• Louisiana
• Maryland 
• Mississippi
• Missouri
• Nebraska
• Ohio
• Oklahoma
• Pennsylvania
• Texas
• Utah
• Virginia
• West Virginia
• Wisconsin

If you don’t live in one of the states listed above, you will not be able to purchase Clearcover insurance. However, if you live in a state where Clearcover offers coverage, you can contact a Clearcover representative or get a quote online to find out how much you would pay for car insurance with the company. 

clearcover Insurance Coverage Options

Clearcover offers most car insurance coverages you would expect, and the company also has some add-ons you may want to choose, depending on your needs and what would work best.

Clearcover’s coverage options include:

• Bodily injury liability. This coverage helps pay for damages associated with a person’s injuries if you’re at fault in an accident and they have been harmed. Bodily injury can extend to multiple people if more than one person is injured in an accident.
• Property damage liability. This coverage helps pay for a person’s car repairs if you damage their vehicle in an accident. Property damage liability will also cover a person’s property, such as a fence or railing if you damage it with your car.
• Collision. Collision coverage helps to pay for damage to your vehicle if you were in an accident. While liability helps pay for other people’s vehicles, it does not help you pay for your own. Collision coverage will cover your vehicle regardless of who is at fault. 
• Comprehensive. This coverage helps with damage to your vehicle if there is a non-accident incident, like inclement weather or vandalism. Comprehensive coverage also helps if your car is stolen.
• Personal injury protection (PIP). PIP coverage pays for medical bills if you or a passenger in your vehicle is injured in an accident. PIP appliesregardless of fault and may help pay for funeral expenses, lost wages, and childcare.
• Medical payments (MedPay). Medpay is similar to PIP but doesn’t extend quite as far. With MedPay coverage, your accident-related medical billswill be covered.
• Uninsured/underinsured motorist. This coverage helps to cover your injuries or property damage caused by another driver with no insurance, insufficient insurance, or a hit-and-run-driver.
• . Some states require uninsured or underinsured motorist coverage.
• Rideshare insurance. Clearcover offers rideshare insurance for people who drive for companies like Uber and Lyft. If you offer rideshare services with your vehicle, Clearcover may be willing to offer you insurance. Unfortunately, Clearcover does not offer coverage for delivery personnel at this time. 
• Roadside assistance. Clearcover’s roadside assistance coverage helps if you’re stranded and need fuel services, lockout services, or flat tire repair. You can request roadside assistance with Clearcover straight from the company’s app. 

Depending on the coverage types you’re looking for, you may find that Clearcover has just what you need. First, you’ll need to determine whether the company offers coverage in your state. If it does, you can get a quote on the company website to see how much you would pay for coverage.

What other types of insurance does Clearcover offer?

Unfortunately, Clearcover only offers auto insurance. So if you’re looking for pet, life, or health insurance, you’ll have to look elsewhere. 

Clearcover has partnered with Hippo Insurance to bring its policyholders options for homeowners insurance. Still, this option does not mean that Clearcover policyholders will be eligible for a discount on coverage for having multiple policies with the same company. 

clearcover Insurance Rates Breakdown

It’s impossible to know how much you will spend on car insurance with Clearcover until you get a quote. With Clearcover, certain factors, such as your age, ZIP code, and credit score, will likely impact how much you pay for coverage.

If you get a good quote with Clearcover, you should still shop online and compare that quote to other companies. Doing so will help you find the best coverage in your area and avoid paying too much for your car insurance. 

Teen Driver Rates with Clearcover

Clearcover is known for offering affordable rates. Still, the company’s teen driver rates are higher than the national average.

Females pay $7,561 annually, or $631 per month, for car insurance with Clearcover. The national average is $414 per month. Similarly, teen males pay around $8,103, or $676 per month, while the same demographic pays a national average of $472 per month.

Clearcover teen driver rates are fairly high, and the company does not often allow teen drivers to take advantage of the same savings as others who are older and have been driving longer. For more information, see buy cheap auto insurance for teenagers.

Adult Rates with Clearcover

If you’re a young adult driver, you can expect to pay a bit more for coverage with Clearcover compared to the national average.

Young adult female drivers pay around 6% more for car insurance with Clearcover than they do on average in the U.S. While the national average is $145 per month, Clearcover charges around $179.

Similarly, young adult male drivers pay nearly 5% more for coverage with Clearcover. The national average is $154, while Clearcover’s average is $189 per month. 

Many insurance companies tend to charge teens and young adults more for car insurance, and Clearcover looks to be no different in this regard. Some policyholders claim that rates are cheaper if a parent is on the policy.

Clearcover charges some adults more for coverage than the national average, with some women paying 7% higher rates and some men paying 5% higher rates for auto insurance. 

While the national average for women behind the wheel is $123 per month, Clearcover’s monthly average for women is $154. Clearcover also charges some adult males more for coverage. The national monthly rate is $124, but Clearcover charges $153.

If you’re an adult driver with a clean driving record, you should shop around and compare quotes to ensure you get the best deal on coverage. Don’t go with the first offer you get, or you could end up overpaying for your auto insurance. For more information, see buy cheap auto insurance for women.

Senior Driver Rates with Clearcover

If you’re a senior driver, don’t expect to save much money with Clearcover. Senior drivers have some of the most expensive rates compared to the national average.

Female drivers pay around 6% more for coverage with Clearcover. The average monthly rate for this demographic is $139, while the national average is $111. Similarly, senior men pay around 9% more for car insurance with Clearcover. Again, the national average is $114, while the average with Clearcover is $147.

Senior drivers often pay more for insurance because they are considered a risk, but you shouldn’t have to pay much more than the national average for coverage if you have a clean driving record. Compare quotes online to discover which companies might work best for you.

For more information, see buy cheap auto insurance for senior citizens.

Clearcover Car Insurance Rates with a Speeding Ticket

Anyone with a speeding ticket on their record can expect to pay higher-than-average rates for car insurance. Clearcover charges this demographic more than the national average in many cases. 

While the national average is $1,910.67, or $160 per month, Clearcover charges $201 per month. Companies like USAA, State Farm, and AAA typically offer cheaper rates for similar coverage. For more information on these providers, see State Farm auto insurance review.In some instances, Clearcover rates are cheaper than GEICO’s and Progressive’s. For more information on these providers, see Geico auto insurance review and Progressive auto insurance review.

Clearcover Car Insurance Rates After an Accident

Your car insurance rates will probably increase if you’ve been in a car accident. Clearcover rates are no exception to this rule.

With Clearcover, you can expect to pay around $232 monthly, while the national average per month is $182. This is a 28% increase over the national average and is higher than what AAA, Allstate, and USAA typically charge.

You shouldn’t have to pay extremely high rates after one at-fault accident. However, if your rates increase with an insurance company, you can shop online to find cheaper quotes from another insurer. 

In many cases, Clearcover checks policyholders’ driving records every six months. If you’ve been in an accident, this could mean you’ll pay more for coverage earlier than you would if you were with another company. Keep this in mind as you shop for proper insurance. 

For more information, see cheap auto insurance companies that accept drivers with multiple accidents.

Clearcover Car Insurance Rates After a DUI

Does auto insurance cover DUI accidents? While DUIs typically cost a lot in car insurance, Clearcover doesn’t seem to charge as much as other providers.

Clearcover’s insurance rates for people with a DUI on their record are around 2% higher than the national average at $222 per month. But Clearcover still has cheaper rates than GEICO, Nationwide, Allstate, and AAA.

If you’ve been convicted of a DUI, shopping around and comparing quotes from multiple providers is a good idea. You may find that some companies charge much more than others because of your DUI. The only way to find a company that charges reasonable rates is to research quotes. 

Clearcover Car Insurance Rates for Drivers with Poor Credit

You may be surprised to learn your credit score can impact car insurance rates. Many insurers charge more for coverage if you have poor credit. Clearcover is no exception.

The national average for car insurance coverage for people with bad credit is $230 per month. Clearcover charges around $247. In most cases, this rate is higher than the rates provided by State Farm and GEICO.

For more information, see buy cheap auto insurance for drivers with bad credit.

Liability-Only Car Insurance with Clearcover

If you’re just looking for liability coverage, you can save a good bit of money on your car insurance.

Minimum coverage with Clearcover costs around $149 per month, while the national average is around $122. If you are searching for liability-only coverage, you need to seriously consider what you would do and need if you were ever in a car accident. See minimum auto insurance required by state for specific details and coverage minimums.

While minimum coverage is cheaper than a full coverage policy, it does not offer the same peace of mind as a policy that includes collision and comprehensive insurance. If you drive a newer car, make payments on a vehicle, or drive a good bit every week, you should consider purchasing more than your state’s minimum coverage. 

Full Coverage Car Insurance with Clearcover

Full auto insurance coverage policies are not cheap, but they are helpful if you’re ever in an accident.

Clearcover’s full coverage rates are generally around $172 monthly for someone with a good driving record and decent credit. Comparatively, the national average for a full coverage policy in the U.S. is only $136.

As you shop for a full coverage policy, compare multiple companies and quotes before making a final decision on coverage.

clearcover Discounts Available

Clearcover does offer a few discounts to its customers.

Some of the company’s most popular auto insurance discounts include:

• Safe driving discount
• Paid-in-full discount
• Paperless discount
• Safety features discount
• Military discount

While other companies offer quotes without showing you the real amount you would pay, Clearcover incorporates discounts into its quotes. So, if you go to the company website and get a quote to see how much you would pay, a discount will be automatically added to your policy if you qualify for one.

Discounts can help people save up to 25% on car insurance coverage. If you believe you may qualify for a discount with Clearcover, you can go to the company website to get a quote and see how much you would pay.

With Clearcover, you can also download the mobile app and get a quote immediately. The company prides itself on offering quick and affordable quotes to help its potential customers make informed decisions.