Clearcover Car Insurance Review (2022)

Clearcover car insurance offers a 100% digital experience with no local agents. Coverage is offered in 20 states, and additional coverage such as rideshare and alternate transportation coverages are available. Rates vary by driver, but Clearcover boasts a 30% savings as well as an exceptionally fast claims process. Drivers should consider Clearcover auto insurance if they are comfortable using an app for any needs and just want simplified car insurance.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Dec 6, 2021

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Things to Know

  • Clearcover only offers car insurance
  • Drivers have to do everything through the website or app
  • Clearcover’s claims process is very fast and takes around a week to complete

When you think of car insurance companies, Clearcover may not be the first one that comes to mind. However, Clearcover car insurance may be a good option for drivers looking for a streamlined experience.

Before you buy Clearcover car insurance, consider products offered, rates, and ratings. Clearcover only offers car insurance, so this isn’t a great option if you are looking to combine policies.

Keep reading our Clearcover car insurance review to learn more. Before you begin, compare quotes from car insurance companies for free by entering your ZIP code now.

What is Clearcover car insurance?

Although Fortegra is the underwriter, Clearcover car insurance is new to the insurance world. Clearcover began in 2016, but Fortegra has been around since 1981.

Clearcover is an online-only car insurance company. There are no local agents, and everything is done either through the website or the Clearcover app. In fact, you can only get a Clearcover car insurance quote online.

Even though Clearcover is available online, it only offers coverage in 20 states. The company plans to expand to additional states in the near future.

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What are Clearcover car insurance rates?

Because Clearcover has lower overhead, it can pass on the savings to drivers. Clearcover reports that drivers can save about 30% over top companies.

To give you an idea of what that looks like, take a look at this table. It shows average annual car insurance rates from some of the top companies out there.

Average Annual Car Insurance Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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There are many factors that affect car insurance rates, such as your age, driving record, and where you live. While the rates above are averages, quotes will be different for each driver.

What car insurance coverages does Clearcover offer?

Clearcover only offers car insurance, so you can’t bundle other policies like home.

Drivers can find the usual car insurance coverages such as liability, collision, comprehensive, medical payments, and roadside assistance.

Clearcover also offers rideshare coverage. If you drive for a rideshare company, your personal car insurance won’t cover you while you are working.

Clearcover makes it easy to add rideshare coverage to your personal policy. This means you are covered whether you are working or driving for personal use.

Clearcover also offers a unique coverage not available from most other companies. While most car insurance companies offer rental car coverage, Clearcover goes a step further.

With alternate transportation coverage, you can use the $30 a day for any type of transportation you wish. You aren’t just limited to rental cars. You can also use the money for rideshares, taxis, or public transportation.

What car insurance discounts are available with Clearcover?

Car insurance discounts are a great way for drivers to save money. While most companies offer a plethora of discounts, Clearcover only offers a few.

Clearcover discounts include a good driver discount, a paid-in-full discount, and a military discount, to name a few.

To give you an idea of what other top companies offer, check out this table.

Car Insurance Discounts
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Car insurance discounts can make a huge difference in your rates. Be sure to compare discounts as well as rates when you look at a car insurance company.

How do you cancel Clearcover car insurance?

There are many reasons that you may want to cancel your car insurance. Examples include selling your vehicle or finding a lower rate with another company.

The good news is that you can cancel Clearcover car insurance at any time, for any reason. However, you may be charged a fee for canceling before your policy expires.

Since Clearcover only offers six-month policies, it may be easier and cheaper to simply not renew and make the switch when your policy ends.

If you choose to cancel with Clearcover, simply start a chat in the Clearcover app or call customer service at 1-855-444-1875. You will need to provide your address, policy number, and date of cancellation.

The most important thing to remember is to begin your new coverage before your old coverage ends.

According to the Insurance Information Institute, a lapse in car insurance can cause you to be faced with fines, your driver’s license can be suspended, and your car can be impounded.

Not to mention, your car insurance rates will be higher when you do decide to get car insurance coverage again.

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How do you file a car insurance claim with Clearcover?

Clearcover prides itself on its easy and efficient claims process. Not only can you start the claims process from the app, but you can also upload photos of the damage in the app too.

Drivers are often contacted by a claims adjuster in a matter of minutes and receive an estimate for repairs. The entire claims process takes around a week to complete.

Remember that filing a claim can cost you. Not only do you have to pay your deductible, but a claim can also raise your rates.

Consider paying for damages yourself if you are able to. While your initial costs will be higher, your car insurance rates will stay low, saving you money over time.

What are the Clearcover insurance ratings?

Rates aren’t the only deciding factor when it comes to car insurance. How well a company is scored on financial stability, customer interaction, and usability is also important.

A.M. Best rates companies based on financial stability. While the Clearcover car insurance company is too new to earn a rating, Clearcover’s underwriter Fortegra received an A- rating. This shows excellent financial strength.

On the other hand, Clearcover has been around long enough to receive a Better Business Bureau (BBB) rating. The BBB scores companies based on how well they interact and respond to customers. Clearcover received an A rating.

Since Clearcover depends heavily on its app for day-to-day needs, it’s very important that the app performs well. The Clearcover app received a 4.7/5 rating in both the Apple App and Google Play Stores.

Drivers can feel confident in Clearcover based on these overall ratings. 

Clearcover Car Insurance: The Bottom Line

Clearcover offers simplified car insurance in 20 states. There are no local agents, and the company only offers car insurance. If you want to bundle policies or want a face-to-face experience, Clearcover isn’t for you.

However, you can find affordable Clearcover car insurance if you don’t mind doing everything online or in the app.

We hope you’ve learned all you need to know about Clearcover auto insurance. Enter your ZIP code before you go to compare free car insurance quotes from companies near you.

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