Clearcover Car Insurance Review for 2025 [What You Need to Know]
This Clearcover car insurance review highlights why Clearcover excels with its digital-only platform, offering rates starting at just $20 per month. Clearcover is ideal for those seeking affordable, streamlined coverage without the need for local agents, making it up to 30% cheaper than competitors.
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Table of Contents
Table of Contents
Expert Insurance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Ty Stewart
Updated June 2025
Clearcover’s app offers quick claims processing, with many claims completed in about a week. However, it’s only available in 20 states and lacks local agents, making it unsuitable for drivers who prefer in-person service. Complaints often focus on customer service responsiveness.
Clearcover Car Insurance Rating
Rating Criteria 
Overall Score 3.7
Business Reviews 3.5
Claim Processing 4.5
Company Reputation 4
Coverage Availability 2.7
Coverage Value 3.7
Customer Satisfaction 3.4
Digital Experience 4.5
Discounts Available 4
Insurance Cost 3.8
Plan Personalization 4
Policy Options 3.1
Savings Potential 3.9
Clearcover is best for tech-savvy drivers who want affordable, streamlined car insurance without needing to bundle policies or speak with an agent. As one of the cheapest car insurance companies, it’s important to compare multiple insurance quotes to find the best deal for your needs before making a decision.
Keep reading our Clearcover car insurance review to learn more. Before you scroll down, enter your ZIP code to compare free car insurance quotes from companies in your area.
- Clearcover’s digital platform offers rates from $20 up to 30% cheaper
- Biggest savings come from its online-only service, with no bundling available
- Complaints often highlight slow customer service response times
Overview of Clearcover Car Insurance
Clearcover is a completely digital insurance company that only offers car insurance. While that means simplified usage, it also means no local agents.
Drivers have to do everything through either the Clearcover website or the app. In fact, you can only get Clearcover car insurance quotes online. Clearcover is only offered in 20 states, so availability can also be an issue. Be sure to compare car insurance rates by state to determine if Clearcover is the best option where you live.
Clearcover Car Insurance Monthly Rates by Age, Gender, & Coverage Level
Age & Gender Minimum Coverage Full Coverage
Age: 16 Female $120 $320
Age: 16 Male $131 $335
Age: 18 Female $97 $236
Age: 18 Male $112 $273
Age: 25 Female $28 $77
Age: 25 Male $29 $80
Age: 30 Female $26 $71
Age: 30 Male $27 $74
Age: 45 Female $23 $63
Age: 45 Male $22 $62
Age: 60 Female $20 $55
Age: 60 Male $21 $56
Age: 65 Female $23 $62
Age: 65 Male $22 $60
Drivers who want face-to-face interaction, don’t own a smartphone, or who want to bundle policies won’t find what they need with Clearcover. However, drivers who only need car insurance and love doing everything online will find Clearcover is a good fit.
Clearcover Car Insurance Rates and Savings
Because Clearcover is only online, it can keep overhead low, which translates to lower rates. In fact, Clearcover claims to be 30% lower than other car insurance companies. This table shows average annual rates from top car insurance companies based on the type of coverage.
Car Insurance Monthly Rates by Coverage Type
| Company | Low | Medium | High |
|---|---|---|---|
 | $386 | $408 | $428 |
 | $281 | $295 | $285 |
 | $327 | $347 | $375 |
 | $250 | $268 | $286 |
 | $484 | $505 | $530 |
 | $283 | $288 | $292 |
 | $311 | $335 | $363 |
 | $255 | $273 | $288 |
 | $352 | $372 | $385 |
 | $200 | $212 | $222 |
There are many factors that affect the price of car insurance, such as age, driving record, and what kind of coverage you choose. Clearcover uses those factors to determine your rates, and rates will be different for every driver.
Since Clearcover only offers car insurance, drivers can’t bundle policies for discounts. If you need auto and homeowners coverages, you will have to have policies through two different companies.
Clearcover’s Available Car Insurance Coverage Options
Clearcover offers standard different types of car insurance coverage such as liability, collision, comprehensive, and uninsured and underinsured motorist. Drivers can also find add-ons like roadside assistance, rideshare coverage, and alternate transportation coverage.
You have to add ridesharing coverage if you drive for Uber, Lyft, or another rideshare provider. While working for a ridesharing company, your own insurance will not protect you.
Clearcover makes it easy to add rideshare coverage to your personal policy. This means you are covered no matter how you use your vehicle. Alternate transportation is an add-on that is unique to Clearcover. Most car insurance companies offer rental car coverage if your vehicle is damaged and has to go to the shop.
Clearcover Car Insurance Coverage Options
| Coverage Type | Description |
|---|---|
| Liability Coverage | Covers others' injury and property damage |
| Comprehensive Coverage | Non-collision events like theft and vandalism |
| Collision Coverage | Repair costs after a collision |
| Personal Injury Protection (PIP) | Medical expenses and lost wages |
| Uninsured/Underinsured Motorist | Incidents involving underinsured drivers |
| Medical Payments Coverage | Medical bills for you and passengers |
| Roadside Assistance | Towing and emergency help |
| Rental Reimbursement | Rental car costs during repairs |
However, Clearcover offers drivers flexibility. With alternate transportation coverage, you can use the $30 daily allowance for any transportation you want, including taxis, rental cars, rideshares, and public transportation.
While Clearcover offers car insurance that meets state minimum coverage requirements, it doesn’t offer any other coverages such as homeowners or renters insurance. Drivers who are looking for homeowners insurance can find coverage through Hippo, a partner of Clearcover.
Available Savings with Clearcover Car Insurance
Car insurance discounts are offered by most companies to help drivers get lower rates. Although most companies have a long list of discounts for drivers, Clearcover only offers around 15 discounts.
Clearcover discounts offered include:
- Good Driver
- Paid-In-Full
- Multi-Vehicle
- Military
- Defensive Driver
For comparison, check out this table that shows discounts from top car insurance companies. The amount of the discount is listed if it is available.
Clearcover Car Insurance Discount by Provider
| Insurance Company | Anti-Theft Device Discount | Multi-Policy Bundling Discount | Defensive Driver Discount | Good Driver Discount | Good Student Discount | Military Discount | Multi-Vehicle Discount | New Car Discount | Paperless Discount | Pay-in-Full Discount | Safe Driver Discount |
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 10% | 25% | 10% | 25% | 20% | 5% | 25% | 15% | 10% | 10% | 22% |
 | 25% | 25% | 5% | 25% | 20% | 15% | 20% | 10% | 20% | 20% | 15% |
 | 10% | 20% | 20% | 30% | 15% | 10% | 20% | 5% | 10% | 10% | 30% |
 | 25% | 25% | 15% | 26% | 15% | 10% | 25% | 10% | 10% | 10% | 25% |
 | 35% | 25% | 10% | 20% | 15% | 10% | 25% | 15% | 12% | 12% | 25% |
 | 5% | 20% | 10% | 40% | 15% | 20% | 20% | 10% | 15% | 15% | 10% |
 | 25% | 10% | 31% | 30% | 10% | 12% | 12% | 20% | 15% | 15% | 30% |
 | 15% | 17% | 15% | 25% | 25% | 5% | 20% | 10% | 15% | 15% | 30% |
| 10% | 13% | 20% | 10% | 8% | 8% | 8% | 10% | 10% | 10% | 25% |
 | 15% | 10% | 5% | 30% | 10% | 10% | 10% | 20% | 15% | 15% | 15% |
Discounts can offer drivers huge savings. In fact, discounts can make the difference between which car insurance company is cheaper for you.
Be sure to take into account discounts when you are shopping for car insurance.
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Process for Cancelling Clearcover Coverage
Cancelling Clearcover auto insurance is pretty simple. You will need to have your policy information, such as address and policy number, and the date you would like to cancel your coverage. Find insights in our guide titled, “Buying Car Insurance: How to Find the Best Policy for You.”
Then, chat with customer service in the Clearcover app or call 1-855-444-1875.
Even though you can cancel your policy at any time, keep in mind that you may be charged a fee if you cancel your policy in the middle of your term.
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Since Clearcover policies are only six months long, it may be cheaper to wait until your policy ends to switch companies. Once you determine which company you want to switch to, make sure your new policy begins before your old policy ends. If not, you will have a lapse in coverage.
According to the Insurance Information Institute, you can face fines, a driver’s license suspension, and having your car impounded if you drive while your insurance has lapsed.
Filing a Car Insurance Claim with Clearcover
The Clearcover car insurance company makes filing a car insurance claim after an accident simple. Like with most things, you can start your claims process from the app.
Clearcover Car Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $160 | $188 | $225 | $270 |
| $117 | $136 | $176 | $194 |
 | $62 | $78 | $96 | $106 |
| $139 | $173 | $198 | $193 |
| $80 | $106 | $132 | $216 |
| $174 | $212 | $234 | $313 |
| $115 | $137 | $161 | $237 |
| $105 | $140 | $186 | $140 |
| $86 | $96 | $102 | $112 |
| $99 | $134 | $139 | $206 |
| $59 | $67 | $78 | $108 |
Simply open a claim and upload all of the pictures of your vehicle’s damage right into the app. An adjuster will respond very quickly. In fact, you may get an estimate within minutes. Most claims with Clearcover are completed in around a week.
It should be noted that even though the claims process is easy, it might not be in your best interest to file a claim. Filing a claim can increase your car insurance rates.
Pay for accident damages out of pocket if you are able to. While your initial costs will be higher, you will come out ahead in the long run by keeping your car insurance rates low.
Understanding Clearcover’s Financial Strength and Ratings
You might not realize that car insurance company ratings are just as important as the rates they offer. Ratings tell you whether a company is trustworthy and will be there when you need them. To find out more, explore our guide titled, “How to Lower Your Car Insurance Cost.”
Clearcover insurance is a generational insurance company with strong financial support and an excellent rating. We are here for our agents, partners and customers.
Clearcover's digital-first approach makes it a top choice for tech-savvy drivers seeking low-cost insurance.Tracey L. Wells Licensed Insurance Agent & Agency Owner
A.M. Best rates companies on how financially sound they are. Since Clearcover has only been around since 2016, it doesn’t have an A.M. Best rating yet.
However, Clearcover’s policies are underwritten by Fortegra, which has an A- rating with A.M. Best. This shows the company has an excellent ability to meet financial obligations.
Clearcover Business Insurance Ratings
| Agency | |
|---|---|
 | Score: 835 / 1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 82/100 Positive Customer Feedback |
 | Score: 0.45 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength |
Next, the Better Business Bureau (BBB) rates companies based on how well they interact with customers. Clearcover has an A rating with the BBB and is accredited.
Since drivers have to use the Clearcover app for everything, how well it’s rated by users is very important. The Clearcover app has a 4.6/5 rating in the Google Play Store, and Apple users give a 4.8/5 rating.
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Clearcover: What You Need to Know
There are many pros and cons to Clearcover insurance. Pros include low rates and streamlined service. However, cons include lack of availability and no local agents. Delve deeper into our detailed guide titled, “The Perks and Pitfalls of Car Insurance Add-ons.”
While affordable Clearcover car insurance may be available in your area, another company may be cheaper once discounts are factored in.
Clearcover is a generational insurance company with strong financial support and an excellent rating. We are here for our agents, partners and customers.
(Policies underwritten by Clearcover Insurance Company NAIC #16524).#carinsurance #insurtech #trustedbrand #agents pic.twitter.com/iTcH1A5PDP
— Clearcover (@clearcover) July 21, 2023
Compare multiple car insurance companies before you decide. Each company will offer different rates, so be sure to shop around.
Now that you know about Clearcover auto insurance, you are ready to find your best deal. Enter your ZIP code now to compare quotes from car insurance companies near you for free.
Frequently Asked Questions
What is Clearcover auto insurance?
Clearcover auto insurance is a fully digital car insurance provider offering affordable, online-based coverage in select states, with no local agents.
What do Clearcover car insurance reviews say?
Clearcover car insurance reviews highlight its low rates and easy claims process but mention concerns about customer service response times.
What does Clearcover car insurance offer?
Clearcover car insurance offers standard auto coverage, including liability, collision, and comprehensive policies, with add-ons like rideshare and roadside assistance.
Learn more by reading our guide titled, “Rideshare Insurance Coverage.”
What is Clearcover insurance company?
Clearcover is a digital-only car insurance company focused on providing low-cost auto insurance through an online platform and mobile app.
How do I get a Clearcover auto insurance quote?
You can obtain a Clearcover auto insurance quote exclusively online through the Clearcover website or mobile app.
How can I cancel my Clearcover policy?
To cancel your Clearcover policy, contact customer service through the Clearcover app or by phone, providing your policy details and cancellation date.
Access comprehensive insights into our guide titled, “The Perks of Staying on Your Parents’ Car Insurance Policy.”
What is the Clearcover claims phone number?
For Clearcover claims, you can contact customer service at 1-855-444-1875 or file claims directly through the Clearcover app.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
Does Clearcover offer homeowners insurance?
No, Clearcover does not offer homeowners insurance. However, they partner with Hippo for homeowners insurance.
Does Clearcover offer roadside assistance?
Yes, Clearcover offers roadside assistance as an optional add-on for drivers who need additional coverage.
Explore more details in our complete resource titled, “How the States Rank on Uninsured Drivers.”
What is the Clearcover insurance review summary?
Clearcover insurance reviews praise its affordable rates and streamlined claims process, but note limited availability and customer service responsiveness as drawbacks.
How do I cancel Clearcover insurance?
What states does Clearcover insurance cover?
What do Clearcover insurance reviews say on BBB?
What is the Clearcover customer service number?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Clearcover insurance good?
Clearcover auto insurance is a fully digital car insurance provider offering affordable, online-based coverage in select states, with no local agents.
Clearcover car insurance reviews highlight its low rates and easy claims process but mention concerns about customer service response times.
What does Clearcover car insurance offer?
Clearcover car insurance offers standard auto coverage, including liability, collision, and comprehensive policies, with add-ons like rideshare and roadside assistance.
Learn more by reading our guide titled, “Rideshare Insurance Coverage.”
What is Clearcover insurance company?
Clearcover is a digital-only car insurance company focused on providing low-cost auto insurance through an online platform and mobile app.
How do I get a Clearcover auto insurance quote?
You can obtain a Clearcover auto insurance quote exclusively online through the Clearcover website or mobile app.
How can I cancel my Clearcover policy?
To cancel your Clearcover policy, contact customer service through the Clearcover app or by phone, providing your policy details and cancellation date.
Access comprehensive insights into our guide titled, “The Perks of Staying on Your Parents’ Car Insurance Policy.”
What is the Clearcover claims phone number?
For Clearcover claims, you can contact customer service at 1-855-444-1875 or file claims directly through the Clearcover app.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
Does Clearcover offer homeowners insurance?
No, Clearcover does not offer homeowners insurance. However, they partner with Hippo for homeowners insurance.
Does Clearcover offer roadside assistance?
Yes, Clearcover offers roadside assistance as an optional add-on for drivers who need additional coverage.
Explore more details in our complete resource titled, “How the States Rank on Uninsured Drivers.”
What is the Clearcover insurance review summary?
Clearcover insurance reviews praise its affordable rates and streamlined claims process, but note limited availability and customer service responsiveness as drawbacks.
How do I cancel Clearcover insurance?
What states does Clearcover insurance cover?
What do Clearcover insurance reviews say on BBB?
What is the Clearcover customer service number?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Clearcover insurance good?
Clearcover car insurance offers standard auto coverage, including liability, collision, and comprehensive policies, with add-ons like rideshare and roadside assistance.
Learn more by reading our guide titled, “Rideshare Insurance Coverage.”
Clearcover is a digital-only car insurance company focused on providing low-cost auto insurance through an online platform and mobile app.
How do I get a Clearcover auto insurance quote?
You can obtain a Clearcover auto insurance quote exclusively online through the Clearcover website or mobile app.
How can I cancel my Clearcover policy?
To cancel your Clearcover policy, contact customer service through the Clearcover app or by phone, providing your policy details and cancellation date.
Access comprehensive insights into our guide titled, “The Perks of Staying on Your Parents’ Car Insurance Policy.”
What is the Clearcover claims phone number?
For Clearcover claims, you can contact customer service at 1-855-444-1875 or file claims directly through the Clearcover app.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
Does Clearcover offer homeowners insurance?
No, Clearcover does not offer homeowners insurance. However, they partner with Hippo for homeowners insurance.
Does Clearcover offer roadside assistance?
Yes, Clearcover offers roadside assistance as an optional add-on for drivers who need additional coverage.
Explore more details in our complete resource titled, “How the States Rank on Uninsured Drivers.”
What is the Clearcover insurance review summary?
Clearcover insurance reviews praise its affordable rates and streamlined claims process, but note limited availability and customer service responsiveness as drawbacks.
How do I cancel Clearcover insurance?
What states does Clearcover insurance cover?
What do Clearcover insurance reviews say on BBB?
What is the Clearcover customer service number?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Clearcover insurance good?
You can obtain a Clearcover auto insurance quote exclusively online through the Clearcover website or mobile app.
To cancel your Clearcover policy, contact customer service through the Clearcover app or by phone, providing your policy details and cancellation date.
Access comprehensive insights into our guide titled, “The Perks of Staying on Your Parents’ Car Insurance Policy.”
What is the Clearcover claims phone number?
For Clearcover claims, you can contact customer service at 1-855-444-1875 or file claims directly through the Clearcover app.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
Does Clearcover offer homeowners insurance?
No, Clearcover does not offer homeowners insurance. However, they partner with Hippo for homeowners insurance.
Does Clearcover offer roadside assistance?
Yes, Clearcover offers roadside assistance as an optional add-on for drivers who need additional coverage.
Explore more details in our complete resource titled, “How the States Rank on Uninsured Drivers.”
What is the Clearcover insurance review summary?
Clearcover insurance reviews praise its affordable rates and streamlined claims process, but note limited availability and customer service responsiveness as drawbacks.
How do I cancel Clearcover insurance?
What states does Clearcover insurance cover?
What do Clearcover insurance reviews say on BBB?
What is the Clearcover customer service number?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Clearcover insurance good?
For Clearcover claims, you can contact customer service at 1-855-444-1875 or file claims directly through the Clearcover app.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
No, Clearcover does not offer homeowners insurance. However, they partner with Hippo for homeowners insurance.
Does Clearcover offer roadside assistance?
Yes, Clearcover offers roadside assistance as an optional add-on for drivers who need additional coverage.
Explore more details in our complete resource titled, “How the States Rank on Uninsured Drivers.”
What is the Clearcover insurance review summary?
Clearcover insurance reviews praise its affordable rates and streamlined claims process, but note limited availability and customer service responsiveness as drawbacks.
How do I cancel Clearcover insurance?
What states does Clearcover insurance cover?
What do Clearcover insurance reviews say on BBB?
What is the Clearcover customer service number?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Clearcover insurance good?
Yes, Clearcover offers roadside assistance as an optional add-on for drivers who need additional coverage.
Explore more details in our complete resource titled, “How the States Rank on Uninsured Drivers.”
Clearcover insurance reviews praise its affordable rates and streamlined claims process, but note limited availability and customer service responsiveness as drawbacks.
How do I cancel Clearcover insurance?
What states does Clearcover insurance cover?
What do Clearcover insurance reviews say on BBB?
What is the Clearcover customer service number?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Clearcover insurance good?
What do Clearcover insurance reviews say on BBB?
What is the Clearcover customer service number?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Clearcover insurance good?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Clearcover insurance good?
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