Clearcover Car Insurance Review: A Cheap, New Company
Clearcover offers low rates and a good digital experience. As a newer company, it doesn't have the customer service track record you would expect from a large insurer.
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Editor's Rating
Pros and cons
Pros
Cheap rates
Offers rideshare insurance
Cons
Can't bundle with other policies, like home or renters insurance
Many complaints
Clearcover Insurance: Our thoughts
Bottom line: Clearcover has cheap rates, but it gets a high number of complaints.
Clearcover's rates are typically about $300 cheaper per year than major insurance companies. Because it only takes a few minutes to get a quote, it's usually worth it to see how much you can save.
Clearcover costs less than major companies like Geico and State Farm. Its coverage options are fairly basic, but there are a few great add-ons. One unique option is alternate transport coverage, which will pay for a rental car, rideshare services or public transportation if you can't drive your car after an accident.
Clearcover's user-friendly website makes it easy to get a quote in a few minutes.
One potential issue with Clearcover is its poor reputation for customer service. The company gets more than eleven times as many complaints as an average company of its size.
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Clearcover insurance quotes vs. competitors
Clearcover offers cheaper rates than its competitors for most drivers. A minimum-coverage policy from Clearcover costs an average of $547 per year for drivers in Texas — that's $265 less expensive than the next-cheapest insurer, Geico. Drivers looking for a full-coverage policy can also find the cheapest rates with Clearcover, where the average cost is 1,052 per year.
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Clearcover also has the cheapest rates for drivers who have an at-fault accident on their records. However these drivers can also find affordable rates from State Farm, whose full-coverage policy is only $46 more per year.
Annual car insurance rates
Company | Minimum coverage | Full coverage | Accident |
|---|---|---|---|
| Clearcover | $547 | $1,052 | $1,752 |
| Geico | $813 | $1,425 | $2,328 |
| State Farm | $832 | $1,655 | $1,798 |
| Progressive | $853 | $1,549 | $2,354 |
Accident rates are based on a full-coverage policy.
Clearcover coverage options
Clearcover doesn't provide many extras or add-ons to drivers, but it does offer a few notable perks.
Highlighted benefit: Alternative transport coverage
In lieu of rental car coverage, Clearcover provides alternate transport coverage.
If your car is in the shop for repair after an accident, you receive a certain amount of money to spend on alternate transportation. This could be used to rent a car, but it can also be used to pay for rides with Lyft or Uber, public transportation or however else you prefer to get around.
This is a more flexible option than what is available from most insurers, which limit you to a rental car.
Highlighted benefit: Rideshare insurance
Clearcover also offers ridesharing insurance, meaning you can drive for Lyft, Uber or another transportation network company (TNC) with your Clearcover policy. While prices may vary, ridesharing endorsements can be as cheap as $10 per month.
Besides these, Clearcover also provides all the typical coverage you expect from a reputable insurance company. Standard coverage options include:
- Liability (bodily injury and property damage)
- Medical payments
- Collision
- Comprehensive
- Uninsured motorist (bodily injury and property damage)
Clearcover discounts
Clearcover takes a different approach to discounts compared to other insurers: it doesn't offer them explicitly.
The exception to this is Clearcover's military discount. It offers a 15% discount to active duty service members in all states except Louisiana, where active military personnel receive a 25% discount.
Most car insurance companies tell you when they are giving you a discount for things like safe driving and insuring multiple cars.
Clearcover still considers all the same details as a mainstream insurer when setting your rate, but they're directly factored into your quote, as opposed to being applied at the end.
Clearcover also only sells car insurance. You can't buy renters, homeowners or umbrella insurance from the company. If your insurer offers you a meaningful discount for bundling your policies together, you may save money elsewhere.
Discounts for car maintenance with the Clearcover app
Clearcover customers can save up to 25% on auto maintenance by using the company's app, called Car Care.
Car Care lets you get access to discounted services at 23,000 shops nationwide. To find participating mechanics and shops, you need to download the Clearcover app and then navigate to the Car Care feature.
The company advertises savings of up to $400 per year on its website, although the amount you save will depend on the type of maintenance you need and the discounts available in your area.
This program is currently only open to Clearcover customers in Arizona, Illinois, Indiana, Ohio, Pennsylvania and Utah. If you live outside of these states, you can get on the Car Care waitlist by emailing [email protected].
Where is Clearcover Insurance available?
Clearcover Insurance is currently available in 20 states and will be expanding to offer auto insurance in Nevada and North Carolina in the near future.
Clearcover customer service reviews, ratings and financial stability
Clearcover gets significantly more complaints than an insurance company its size.
Clearcover's high complaint volume suggests many customers are unhappy with the company's service. Choosing a company with a strong customer service reputation is important. After an accident, reliable customer service can help you get back on the road quickly, while poor service can make claims and getting back to your routine take longer than necessary.
The company got an "A" rating for financial stability from Demotech (an alternative to AM Best), which means that it has an "exceptional" ability to pay out claims, even in difficult economic times. This is the third-best rating available from Demotech.
Clearcover provides online quotes, and it has a smartphone app, both of which are easy to use. Unfortunately, the process is a little disjointed: Many important activities related to your car insurance policy can only be done on the website or the app, but not both.
Action | Where to do it |
|---|---|
| Get a quote | Website or independent agent |
| Chat with customer service | Mobile app, email or phone |
| View insurance card and documents | Mobile app only |
| File a claim | Mobile app, email or phone |
On the other hand, the Clearcover app experience has earned positive feedback among users, earning high marks in both the Google Play store and the Apple App Store for its iOS version. That should make contacting customer service or filing a claim much easier for drivers who prefer not to deal with an agent over the phone.
Contact Clearcover Insurance
Clearcover policyholders can contact customer service by phone at 855-444-1875 or via live chat on the website. Customer service is available from 8 a.m. to 9 p.m. Central Time on business days and 8 a.m. to 6:30 p.m. on weekends; however, customers can file a claim through the app 24 hours a day.
Frequently asked questions
Is Clearcover Insurance good?
Yes, Clearcover is a good company if you prefer using a mobile app to manage your coverage. The company has a highly rated app and cheap rates. Keep in mind that Clearcover has a poor reputation for customer service because it gets many complaints.
How do I contact Clearcover?
Clearcover's phone number is 855-444-1875. You can also email them at [email protected] or use the chat function in the mobile app.
Is Clearcover affordable?
Clearcover offers very affordable rates for most drivers. On average, a minimum-coverage policy costs $547 per year, and full coverage costs $1,052 per year. However, every driver will get different rates, so it's important to compare quotes from multiple insurers.
What states is Clearcover available in?
Clearcover is currently available in 20 states: Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia and Wisconsin.
The company will be expanding to offer insurance in Nevada and North Carolina soon.
Methodology
To calculate average annual premiums, we collected quotes in the ten most populated cities in Texas . Our sample driver is a 30-year-old man with a clean record driving a 2015 Honda Civic EX.
Quotes are based on the coverage limits below. Accident quotes are based on a full-coverage policy.
Coverage | Minimum coverage | Full coverage |
|---|---|---|
| Bodily injury liability | $30,000/$60,000 | $50,000/$100,000 |
| Property damage liability | $25,000 | $25,000 |
| Underinsured/uninsured bodily injury liability | Waived | $50,000/$100,000 |
| Underinsured/uninsured property damage | Waived | $25,000, $250 deductible |
| Collision/comprehensive | Waived | $500 |
| Alternate transportation | Waived | Waived |
| Ridesharing | Waived | Waived |
| Roadside assistance | Waived | Waived |
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
