Clearcover offers affordable rates, an easy-to-use app, and enough insurance options for any car. Here's all the details you need to decide if Clearcover is right for you.
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UPDATED: Jul 19, 2022
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- Clearcover uses AI-powered tech to provide insurance rather than traditional insurance agents
- Rates with Clearcover are typically lower than competitors by up to 32%
- Clearcover has some customer complaints, but reviews are generally positive for this new insurance company
Car insurance companies have sold policies the same way for decades — you contact a representative and sign up for the amount of coverage you want on your car. The internet made the process faster and easier, but the premise is the same.
Clearcover is an insurance company that wants to bring car insurance into the future. Although Clearcover is younger than many other insurance companies, it’s made a big splash in the car coverage market by relying on technology.
Using AI-powered technology to keep staff to a minimum, Clearcover provides rates up to 32% cheaper than competitors. Clearcover auto insurance isn’t for everyone — people looking for a traditional experience should go elsewhere — but it might be right for customers who want cheap rates and a modern spin.
Changing the status quo can be good, but innovation is only worthwhile when it works. Read on to learn if Clearcover car insurance is right for you, then compare quotes with other companies to find the best rates.
What is Clearcover auto insurance?
Clearcover car insurance started in 2016 and focuses on providing affordable, hassle-free coverage. Clearcover focuses on generating quotes, resolving claims, and answering customer questions primarily through its app. Policies are underwritten by Fortegra and its subsidiaries Response Indemnity Company of California and Lyndon Southern.
Unfortunately, Clearcover isn’t available in every state. Currently, Clearcover only serves 20 states, though it will soon expand into Nevada and North Carolina and has plans for the rest of the U.S.
The main selling points of Clearcover are its speed, convenience, and low prices. Especially impressive is Clearcover’s claims process. While the average insurance company takes several weeks to resolve a claim, Clearcover can make payments in minutes.
What types of car insurance does Clearcover sell?
Each of the states Clearcover operates in requires a minimum amount of liability car insurance coverage. However, you can benefit from additional insurance to ensure your car is covered for any situation you find yourself in.
Although Clearcover uses AI for its insurance, it offers the same products as other companies. You can buy the following types of insurance from Clearcover:
- Liability. Liability covers damage you cause in an accident to people and property but does not cover your vehicle. Most states require liability insurance.
- Collision. Collision car insurance helps repair your car after an accident, no matter who is at fault. It also pays for repairs if you hit a stationary object, such as a tree.
- Comprehensive. There’s a lot more than accidents that can damage your vehicle. Comprehensive insurance helps pay for vandalism, theft, animal contact, fire, and weather damage.
- Uninsured/underinsured motorist. Although all of the states Clearcover serves require insurance, not all drivers follow the law. Uninsured motorist insurance protects you from drivers without enough coverage.
- Medical payments. Medical bills after an accident can get pricey quickly. Medical payments will help pay the expenses for you and your passengers.
While liability insurance is the cheapest option, you can add any of the other options to increase the protection on your car.
Does Clearcover car insurance offer add-ons?
Clearcover has three add-on options you can purchase to increase the value of your policy.
The first is alternative transportation, which is similar to the rental reimbursement add-ons of other companies. This add-on makes sure you have transportation when your car is stuck in the mechanic’s shop after a covered incident.
Rather than working exclusively for rental cars, Clearcover deposits money into your bank account that you can use any way you’d like. That includes renting a car, using a taxi or rideshare app, or carpooling with a friend.
Clearcover also offers roadside assistance. When you find yourself stranded due to mechanical or electrical problems, Clearcover will send help.
Finally, Clearcover offers an add-on for rideshare workers. Personal insurance doesn’t cover your car when you’re working, so you’ll need extra rideshare auto insurance coverage if you drive for apps like Uber or DoorDash. Whether you deliver passengers, food, or packages, Clearcover can keep you covered.
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How much does Clearcover auto insurance cost?
Getting a quote online or through the Clearcover app is easy. All you need to provide is basic information about yourself, other drivers you want to add, and your car. However, Clearcover doesn’t post prices, so it’s difficult to compare.
You can get an idea of how much you might pay by looking at the average insurance price in the states Clearcover operates in.
State Average Monthly Minimum Rates Average Monthly Full Coverage Rates
Alabama $39 $83
Arizona $50 $92
California $47 $93
Georgia $60 $106
Illinois $41 $80
Indiana $35 $69
Kentucky $48 $86
Louisiana $77 $135
Maryland $58 $104
Mississippi $42 $91
Missouri $40 $82
Nebraska $34 $76
Ohio $36 $71
Oklahoma $41 $90
Pennsylvania $44 $88
Texas $51 $106
Utah $47 $81
Virginia $39 $76
West Virginia $43 $89
Wisconsin $34 $67
Most people report Clearcover offers much cheaper rates than other companies, so you’ll probably pay less than the state average.
Does Clearcover insurance offer discounts?
Clearcover’s discounted prices are already considered good savings, but the company does have a few other ways to save. It doesn’t list available discounts outright, but a few are mentioned when filling out the online quote form.
- New customer. If you get a quote at least seven days before your policy begins, you’ll earn a 12% discount.
- Paid in full. You can save up to 15% if you pay for the entire six-month policy rather than make monthly payments.
- Military members. You can earn a military or veterans insurance discount if you are an active or retired military member or an eligible family member. Most states get a 15% discount, while Louisianans get 25%.
When you fill out your quote request form, Clearcover’s AI combs through your details to see what additional discounts you might be eligible for. If you think your quote is too high, you can always call the Clearcover insurance phone number and check with a representative.
Clearcover Insurance Review
Clearcover wants to modernize car insurance, and it makes an impressive boast of paying out a claim in seven short minutes. It also promises cheaper rates than competitors.
However, a website can only promise you so much. One of the best ways to determine if a company is right for you is to look at Clearcover Insurance reviews.
Clearcover does very well with professional review companies. For its financial stability, A.M. Best ranks Clearcover an A+.
The Better Business Bureau (BBB) gives Clearcover an A+, but the company does have some complaints on the site. Most of the complaints involve the claims process. Although Clearcover might pay your claim within a few minutes, it could take months if you don’t provide the right information.
Other complaints include that Clearcover agents take a long time to return calls. There are also several issues with Clearcover making technical errors — such as failing to change cars on a policy — that lead to unnecessary expenses for the policyholder.
Since Clearcover keeps staff to a minimum, it doesn’t send an adjuster to review your car after an accident. Instead, you have to take photos of your vehicle and send them to Clearcover. This is one example of Clearcover focusing on using technology rather than people, and many customers simply do not like the process.
A final common complaint is that some customers must wait up to an hour before a representative will speak with them.
It’s not all bad news, though. Clearcover is a newer insurance company, but it’s already building a loyal fanbase. Most reviews are positive, with many saying Clearcover offers the best insurance they’ve ever had in their lives.
Other Clearcover reviews mention how much they love the mobile app and that customer service representatives are professional and kind.
Of course, the aspect that receives the most praise is the price. People express pure shock over how low prices are through Clearcover and state they can’t find rates that low anywhere else.
Find the Best Auto Insurance for Your Needs
If getting away from the traditional way of doing car insurance and saving money sounds like something you’d be interested in, Clearcover might be right for you. With low prices, a great mobile app, and plenty of options, Clearcover is a great modern option for today’s drivers.
Clearcover quotes are easy to get if you’re interested. However, you shouldn’t go with the first price you find — comparing quotes can save you a lot of money.