Clearcover Car Insurance Review

Clearcover Car Insurance Review

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.

Editor's Rating

Clearcover offers varying levels of auto insurance coverage in 20 states . The company stands out for its top-notch digital experience and affordable rates. Getting a quote takes only a few minutes, and its mobile app has high ratings from consumers.

Good for
  • Drivers looking for cheap rates
  • Rideshare drivers
Bad for
  • People who want to bundle other policies with their auto insurance
  • Anyone without a smartphone

Clearcover insurance: Our thoughts

Clearcover's car insurance rates were cheaper than its competitors in our analysis of Texas drivers. We also liked Clearcover's coverage options. The company doesn't offer quite as broad of a package of optional coverages as large insurers, but it does have a few notable options. Our favorite is alternate transport coverage, which is offered instead of rental car coverage.

If your car is being repaired, Clearcover will give you money to use as you see fit to get around — you aren't limited to renting a car. There's also ample information throughout the process of getting a quote, which makes it simple to understand what coverage you may need.

Clearcover's user-friendly website makes it easy to get a quote in a matter of minutes. It even uses AI to help suggest the right levels of insurance coverage for you to buy. However, we recommend that drivers make their own informed decisions about how much coverage they need and not depend solely on Clearcover's recommendation.

One potential issue with Clearcover is its relatively short track record. The company started selling insurance in February 2018.

Given how important it is for your insurance policy to be reliable, there are definite advantages to choosing an insurer that has a demonstrated history of financial stability and customer satisfaction.

Bottom line: Clearcover's innovative features make the company a good choice for users who want a quick and efficient auto insurance purchase experience. Some drivers may find significantly cheaper rates with Clearcover.

It's worth including Clearcover in your quote comparison if you live in one of the states where it operates, but you should keep the risks of dealing with a brand-new company in mind.

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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.

Clearcover rates vs competitors
Currently insured?
Minimum coverage
Full coverage
State Farm$832$1,655$1,798

Accident rates are based on a full-coverage policy.

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.

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 want to get around. This is a more flexible option than what is available from most insurers, which only allow you to use the money for a rental car.

Highlighted benefit: Rideshare insurance

Clearcover also offers a ridesharing endorsement, 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 legally required and typical coverage you expect from a reputable insurance company. Standard coverage options include: ​

  • Liability (bodily injury and property damage): Pays for damages to another driver's car if you are at fault in an accident.
  • Medical payments: Pays for the medical costs of you and your passengers after an accident, regardless of who is at fault.
  • Collision: Pays for the repair of your vehicle after a crash, regardless of who is at fault.
  • Comprehensive: Pays to repair damage to your vehicle that is sustained in any situation besides a crash, such as by falling rock or a house fire.
  • Uninsured motorist (bodily injury and property damage): Pays for your own medical and car repair expenses if the other driver in a crash was at fault and lacks liability insurance. UI property damage and collision coverage are mutually exclusive.

Clearcover discounts

Clearcover takes an unorthodox approach to discounts compared to other insurers: it doesn't offer them explicitly.

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.

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.

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.

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.

Map showing Clearcover insurance availability

Clearcover customer service reviews, ratings and financial stability

As Clearcover has only been selling insurance for a few years, it doesn't have as many customer reviews as more familiar brands such as State Farm.

Clearcover is not rated by J.D. Power or the National Association of Insurance Commissioners (NAIC). However, reviews from sources like the Better Business Bureau and Trustpilot tend to be positive. The company received 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.

Where to do it
Get a quoteWebsite or independent agent
Chat with customer serviceMobile app, email or phone
View insurance card and documentsMobile app only
File a claimMobile app, email or phone

On the other hand, the Clearcover app experience has earned positive feedback among users as well, earning high marks in both the Google Play store and the Apple App Store for its iOS version.

Contact Clearcover Insurance

man making a phonecall

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 insurer if you value the convenience of a mobile-first car insurance company. It has a great app and cheap rates. However, as a newer company, it lacks the customer service track record of major insurers like Geico and State Farm.

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.


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.

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 liabilityWaived$50,000/$100,000
Underinsured/uninsured property damageWaived$25,000, $250 deductible
Alternate transportationWaivedWaived
Roadside assistanceWaivedWaived

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.