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Clearcover is an auto insurance provider based solely on an app—and it delivers on affordable rates.
Hunting down an ideal car insurance company is rarely easy—but that’s why Jerry was created. As the car owners’ super app and a licensed insurance broker, Jerry works with more than 55 top companies—including Clearcover—to bring you customized quotes in just 45 seconds!
Wondering if Clearcover is the right option for you? Luckily, Jerry’s also a car insurance expert, so you can trust this handy Clearcover car insurance review with all the necessary details to make an informed decision.
Clearcover auto insurance overview
Clearcover is a relatively new auto insurance provider offering coverage in 20 states through an online-only platform.
As a newer company, Clearcover currently only sells car insurance. However, you can add extra coverages to your car insurance, like roadside assistance, rideshare coverage, and alternate transportation coverage.
Even though it’s a younger company, A.M. Best—the only credit rating agency concentrated on the insurance industry—gave Clearcover an excellent A- rating on financial strength. That means Clearcover can pay claims without difficulty, making sure you’re getting the coverage you’ve paid for.
Clearcover customers are generally satisfied with their coverage, but it’s hard to get an accurate read on the reputation of such a young company. That being said, Clearcover could stand to work on their customer service. Customer reviews on Better Business Bureau report that communication with Clearcover can be difficult, especially after an accident.
Clearcover pros and cons
| Pros | Cons |
|---|---|
| Easy online process | Low customer service ratings |
| Cheap rates | Car insurance only |
| Good, simple coverage options | Only available in 20 states |
Clearcover claim resolution time
Clearcover manages to resolve most claims within one to seven days on average‚ though this will vary depending on the claim and circumstances.
How to get Clearcover car insurance quotes
If you’re looking for a quick quote from Clearcover, you can apply on their website—but that’s only half of the work. Compare rates from Clearcover and many other providers, like Nationwide and Allstate, by downloading the Jerry app. That way, you can see how Clearcover stacks up against other insurance companies.
FAQs
How to file a claim with Clearcover
You can file a claim on the Clearcover app, by logging into your Clearcover account online, or by calling (855) 444-1875 with your insurance policy number.
When filing online or via the app, be ready to provide the following information:
1. The accident location, date, and time
2. Photos of the vehicle
3. License and insurance information from the other driver(s)
4. Any police reports filed from the incident
Is Clearcover a good insurance company?
Yes, Clearcover is a good insurance company for drivers looking for cheap rates and an easy online process. However, without many years of customer service experience to pull from, Clearcover may not be as good for some customers as another more established insurance provider.
Where is Clearcover car insurance available?
Clearcover is currently available in the following 20 states: Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia, and Wisconsin.
How do I contact Clearcover?
The easiest way to contact Clearcover is by using the chat function in the Clearcover mobile app. You can also call 855-444-1875 or email them at support@clearcover.com.
To see Clearcover quotes and compare them to quotes from other providers, save some time and effort by downloading the Jerry app.
Clearcover car insurance cost
One of Clearcover’s biggest selling points is cheaper rates on car insurance coverage, but how accurate is that claim?
Pretty accurate, as it turns out. Clearcover drivers pay an average of $547 a year for a minimum-coverage policy or $1,052 per year for full coverage—and these numbers fall well below the average cost of annual coverage.
Check out the table below to see the difference between Clearcover’s averages compared to the national average.
BarChartCompareSimilarElementsMonthly
What factors does Clearcover look at?
Your rates at Clearcover differ from other companies because every insurance provider uses a different methodology to determine your premiums. Clearcover relies on its actuaries to decide on which factors to include in these calculations. Factors can include the following:
- Age: For the most part, younger drivers will pay more expensive premiums at Clearcover.
- Traffic violations: Traffic tickets for violations like speeding can increase your rate.
- At-fault accidents: Causing an accident will almost always raise your premium since you’ll be considered a higher risk.
- Other accidents: Depending on which state you live in, a no-fault accident record could still raise your rate.
- Insurance lapse: Having a lapse in coverage puts you in a higher-risk category, increasing your rates.
- Location: Your ZIP code will affect your rates based on the risk of accidents in the area in addition to crime rates, weather patterns, and more.
- Credit score: On average, the higher your credit score, the lower your rates will be.
- Driving habits: If you drive fewer miles, you could earn a lower rate since you’re less of a risk on the road.
Which Clearcover customers get the best rates?
The Clearcover customers who score the best rates compared to national averages are drivers with at-fault accidents on their driving records.
You can see how Clearcover’s average rates compare to other companies' averages.
| Violation | Before Jerry | After Jerry |
|---|---|---|
| Clean Record | $2,629 | $1,772 |
| Vehicle Theft | $4,776 | $2,063 |
| Reckless Driving | $4,177 | $1,675 |
| Illegal Turn | $3,398 | $2,084 |
| Careless Driving | $3,358 | $1,929 |
| Speeding over 15 | $3,337 | $2,141 |
| Passing School Bus | $3,250 | $2,413 |
| Seat Belt | $3,122 | $1,652 |
| Failure to Obey Traffic Sign | $3,096 | $1,945 |
| Cell Phone | $3,067 | $1,938 |
| Improper Passing | $3,053 | $1,995 |
| Driving on Sus. License | $3,044 | $1,754 |
| Defective Equipment | $3,011 | $2,086 |
| Speeding under 15 | $2,935 | $1,855 |
| Suspension | $2,934 | $1,865 |
| DUI | $2,828 | $1,715 |
| Leaving scene of an Accident/Hit and Run | $2,746 | $1,926 |
| Eluding Police | $2,661 | $1,408 |
| Wrong Way/Wrong Lane | $2,616 | $1,614 |
| Open Container | $2,508 | $1,664 |
| Homicide | $1,680 | $1,458 |
| Other | $3,186 | $1,986 |
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Clearcover car insurance rates with violations
Even high-risk drivers can find deals on coverage with Clearcover—including drivers with violations like speeding tickets. If you get a more serious offense, like a DUI or reckless driving charge—your premiums can soar.
See the table below to check out the average rates Clearcover customers with violations pay for coverage.
| Driving Infraction | Annual Cost | Annual Savings With Jerry |
|---|---|---|
| Clean Record | $1,772 | $856 |
| Vehicle Theft | $2,063 | $2,713 |
| Reckless Driving | $1,675 | $2,501 |
| Illegal Turn | $2,084 | $1,314 |
| Careless Driving | $1,929 | $1,429 |
| Speeding over 15 | $2,141 | $1,196 |
| Passing School Bus | $2,413 | $836 |
| Seat Belt | $1,652 | $1,471 |
| Failure to Obey Traffic Sign | $1,945 | $1,151 |
| Cell Phone | $1,938 | $1,130 |
| Improper Passing | $1,995 | $1,057 |
| Driving on Sus. License | $1,754 | $1,290 |
| Defective Equipment | $2,086 | $925 |
| Speeding under 15 | $1,855 | $1,080 |
| Suspension | $1,865 | $1,068 |
| DUI | $1,715 | $1,113 |
| Leaving scene of an Accident/Hit and Run | $1,926 | $820 |
| Eluding Police | $1,408 | $1,253 |
| Wrong Way/Wrong Lane | $1,614 | $1,002 |
| Open Container | $1,664 | $844 |
| Homicide | $1,458 | $222 |
| Other | $1,986 | $1,200 |
Clearcover car insurance costs with DUI
Drivers with a DUI conviction pay an average rate of -4.41% for annual car insurance with Clearcover. That’s -4.41% more than the average rate without a DUI on your record.
Clearcover car insurance costs with a speeding ticket
Clearcover customers with a recent speeding ticket on their record will pay 4.53% on average for their annual car insurance. This is 4.53% more than the average rate without a ticket. If you were caught speeding a substantial amount over the limit—or if you have multiple speeding tickets—you can expect your rate to go up even more.
Clearcover car insurance rates by age
One of the most significant factors that affect car insurance premiums is age, and that goes for Clearcover’s annual rates, too. The graph below shows how rates compare among different age groups for Clearcover customers.
Clearcover car insurance costs for young drivers
Teenage drivers are among the highest-risk drivers due to their inexperience, which can lead to more accidents and traffic violations. Young drivers almost always pay more for coverage than any other demographic, and that’s true for Clearcover policyholders as well.
Where is Clearcover insurance the cheapest?
Clearcover may only be available in 20 states so far, but customers generally find the most savings in New York, Washington D.C., Florida, Michigan, and Indiana—but every state can find deals where Clearcover is offered.
| State | Cost |
|---|---|
| Vermont | $912 |
| Wyoming | $1,038 |
| Maine | $1,143 |
| Iowa | $1,165 |
| Montana | $1,167 |
| Tennessee | $1,172 |
| Massachusetts | $1,182 |
| Idaho | $1,189 |
| Kansas | $1,198 |
| Oklahoma | $1,205 |
| West Virginia | $1,230 |
| New Mexico | $1,234 |
| Mississippi | $1,240 |
| Wisconsin | $1,247 |
| Arkansas | $1,270 |
| Illinois | $1,274 |
| South Dakota | $1,279 |
| Indiana | $1,282 |
| Alabama | $1,287 |
| Nebraska | $1,312 |
| Texas | $1,346 |
| North Carolina | $1,346 |
| Missouri | $1,357 |
| California | $1,357 |
| Colorado | $1,367 |
| Virginia | $1,387 |
| Ohio | $1,400 |
| Washington | $1,408 |
| Arizona | $1,415 |
| Pennsylvania | $1,417 |
| Utah | $1,482 |
| Minnesota | $1,486 |
| Oregon | $1,487 |
| Kentucky | $1,518 |
| New Hampshire | $1,619 |
| South Carolina | $1,743 |
| Florida | $1,791 |
| Georgia | $1,800 |
| Connecticut | $1,808 |
| Louisiana | $1,811 |
| Nevada | $1,820 |
| Rhode Island | $1,849 |
| Michigan | $1,952 |
| District Of Columbia | $2,038 |
| New Jersey | $2,060 |
| Delaware | $2,061 |
| Maryland | $2,074 |
| New York | $2,841 |
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Clearcover car insurance discounts
Clearcover often offers cheaper rates than other providers, and that’s due in part to Clearcover not offering discounts outright like other companies. Instead, they factor your qualifying details into your quote to account for lower rates from the get-go.
The one exception is Clearcover’s military discount, which offers a 15% discount for all active military personnel. Active duty military personnel in Louisiana can get an additional 25% discount as well, in addition to their children who are under 25 years of age.
Clearcover auto insurance coverage options
If you’re looking for a policy that meets your state’s minimum insurance requirements, you’ll be able to find the coverage you need from just about any insurance company—but what coverage options does Clearcover have for drivers looking for more thorough coverage?
Clearcover provides the following types of coverage as required by law:
- Liability car insurance: Drivers can purchase bodily injury liability and property damage liability from Clearcover to fulfill their state’s requirement to cover claims for other drivers in at-fault accidents.
- Uninsured/underinsured motorist coverage: Whether it’s required by law or you want extra coverage, you can buy this insurance to protect you in accidents with a driver who lacks the proper insurance.
- Medical payments (MedPay) coverage: Depending on the state, you may need this coverage or personal injury protection (PIP) to cover a portion of your medical bills after an accident.
Other than the minimum required coverages, Clearcover also offers the following coverage types:
- Comprehensive coverage: This coverage helps pay for damage caused by weather, animals, theft, vandalism, fire, or other unexpected events.
- Collision insurance: If your vehicle is damaged by any sort of collision—with another car or stationary object—this coverage takes care of the damage.
- Roadside assistance: Also known as towing and labor coverage, roadside assistance pays for towing, battery jumpstarts, or other services you may need if your car breaks down.
- Alternate transportation: If your car is being repaired, this add-on coverage will provide you with a $30 per diem for a rental car, public transportation, or a rideshare service.
- Rideshare endorsement: With this coverage, your personal insurance will extend to the time you’re driving for a rideshare service like Uber or Lyft.
Clearcover payment options
To make payments, Clearcover accepts all major credit cards, debit cards, direct deposits, and Automated Clearing House (ACH) payments. You can pay online or via the mobile app.
Key Takeaways
- Clearcover provides cheaper rates on coverage for most drivers—especially those with at-fault accidents on their record.
- Clearcover doesn’t offer discounts because they incorporate normal discount qualifications into their quotes.
- Clearcover has mixed reviews for customer service.
By R.E. Fulton
Updated on Jan 29, 2023
Reviewed by Kathleen Flear, Director of Content.
Clearcover auto insurance overview
FAQs
Clearcover car insurance cost
BarChartCompareSimilarElementsMonthly
Clearcover car insurance rates with violations
Clearcover car insurance rates by age
Where is Clearcover insurance the cheapest?
Clearcover car insurance discounts
Clearcover auto insurance coverage options
Clearcover payment options
Key Takeaways
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