Clearcover Auto Insurance Review: Should you buy in 2026?

If you’re searching for auto insurance companies that accept rideshare, you may want to consider Clearcover car insurance. Clearcover offers several options for coverage, and the company will work with you if you work for a rideshare business like Uber or Lyft. 

Clearcover insurance reviews suggest that the company has affordable rates and helps many people save money when compared to other insurance providers. But, unfortunately, Clearcover does not offer coverage in every state.

As you search for auto insurance coverage, research and compare Clearcover insurance quotes with other insurance companies to determine which provider offers rates that work best for you. 

What are the pros of a policy with Clearcover?

If you purchase car insurance with Clearcover, there are many things to look forward to.

Clearcover auto insurance offers the following benefits:

• Cheap rates for most drivers
• Rideshare coverage for individuals who work for companies like Uber and Lyft
• An intuitive, user-friendly mobile app

While many auto insurance companies boast inexpensive rates, Clearcover is one company that stands by its claims. Compared with companies like Geico and Progressive, Clearcover often offers cheaper coverage rates. For more details on Geico and Progressive coverage options, see Geico auto insurance review and Progressive auto insurance review for 2022.

Fortunately, the cheap rates are not just for one specific category. So whether you are in your mid-30s, have a clean driving record, or recently had an accident, Clearcover is likely to offer you insurance rates that help you save money.

People working for rideshare companies often have difficulty finding proper coverage. And if you’re in an accident on your way to or from a location, your insurance may not cover you even if it’s through your employer. 

Clearcover’s auto insurance offers coverage for rideshare jobs. So if you drive people around in your vehicle, you won’t have to worry about your insurance company denying your claim. Because rideshare coverage can be challenging to come by, you should consider Clearcover if you work for a rideshare company. 

Clearcover also offers a straightforward and easy-to-use app. The mobile app allows customers to make payments, file claims, check the status of their claims, request roadside assistance, review their policies, and much more.

Some insurance companies don’t have helpful mobile apps, and customers take issue with it. But Clearcover’s mobile app makes the company even more convenient than competitors.

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What are the cons of a Clearcover auto insurance policy?

While Clearcover may be an excellent option for many people, the company does have its downsides.

Some of the negative aspects of a Clearcover car insurance policy include: 

• No option to bundle policies for a discount
• No coverage options for people without smartphones
• Coverage available in just 20 states
• No insurance products outside of auto insurance coverage

Many policyholders look for discounts when searching for the perfect coverage. Unfortunately, Clearcover does not offer auto insurance discounts for multiple policies, as it only offers car insurance coverage.

If you could save money by bundling your car, home, and life insurance, Clearcover may not be the best option. Additionally, you may find that Clearcover rates are not as competitive once you factor in potential discounts with other providers.

While most individuals have smartphones, plenty of people do not. Clearcover functions solely through its mobile app, making it impossible to purchase or maintain a Clearcover policy if you don’t have a smartphone.

People who don’t have smartphones or don’t want to rely on their phones for any reason may not want to pursue a policy with Clearcover. 

Rates with Clearcover are competitive, but there are 30 states where Clearcover does not offer coverage. If you live in a state where Clearcover does not operate, you have no choice but to look elsewhere for your car insurance needs. 

Does Clearcover have good insurance?

Clearcover does have competitive rates and provides good options for coverages. While coverage options with Clearcover are relatively basic, they meet the needs of most drivers. Many people could save money by choosing Clearcover over its competitors. 

One coverage option Clearcover offers that’s pretty specific to the company is alternate transport coverage. Many companies provide rental car reimbursement, but Clearcover’s alternate transport coverage will help drivers who prefer to use rideshare services or public transportation while their vehicles are out of commission.

This coverage helps many people avoid dealing with rental car companies. Additionally, because Clearcover insures rideshare drivers, the company is clearly stating the importance and viability of the rideshare industry as a whole. 

Is the Clearcover app helpful?

Clearcover’s mobile app is beneficial and user-friendly. The app allows policyholders to access their insurance information at any time, and many of the app features allow for convenience and less stress when it comes to using the coverage.

If you’re in an accident or your vehicle is damaged and you need to file a claim, Clearcover’s mobile app allows you to do so almost instantly. You can include information and pictures of the incident and ask questions about your coverage. Additionally, the app will enable you to follow the status of your claim from start to finish.

The Clearcover app also helps when you need to pay your bill. Instead of logging onto a website or mailing a check, Clearcover allows you to pay for your coverage via the app or set up automatic payment plans.

Clearcover’s app is also helpful if you are stranded and need roadside assistance. Whether you need fuel services or a flat tire repair, you can request help and check the status of your assistance via the company’s app. 

While we all hope we won’t need to access or utilize our car insurance coverage, there may be times when you’re required to show proof of insurance. With the Clearcover mobile app, you don’t have to worry about keeping a physical insurance card in your vehicle. Instead, you can simply pull up your information straight from your phone.

Lastly, Clearcover allows you to communicate with company representatives anytime via the company app. If you have a question about your policy or are concerned about a claim, you can contact and chat with a Clearcover employee 24/7.

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How is Clearcover’s customer service? 

Clearcover does not have as much information online as other insurance companies, but this is not for any negative reasons. The company was founded in 2018, and customers haven’t had the same time to discuss the company’s positives and negatives in an online environment. 

Clearcover is not rated by J.D. Power or the National Association of Insurance Commissioners (NAIC), but the Better Business Bureau (BBB) offers a positive A+ rating on its website. Additionally, customers have given Clearcover a 3.78 out of five stars in reviews. 

Most Clearcover car insurance reviews state that the company does an excellent job with its customer service. Still, some individuals are displeased with how the company handles claims or state that the company did not pay out as it should.

Still, many other insurers have negative reviews on the BBB website, so Clearcover’s reviews are relatively refreshing. If you’re considering a Clearcover car insurance policy, you may want to research and read some customer reviews online. Doing so will allow you to better understand how the company handles policies and whether its customer service would work well for you. 

Where is Clearcover available?

One of the downfalls of Clearcover insurance is that it’s not available throughout the U.S. Rather, Clearcover is only available in 20 states:

• Alabama
• Arizona
• California
• Georgia
• Illinois
• Indiana
• Kentucky
• Louisiana
• Maryland 
• Mississippi
• Missouri
• Nebraska
• Ohio
• Oklahoma
• Pennsylvania
• Texas
• Utah
• Virginia
• West Virginia
• Wisconsin

If you don’t live in one of the states listed above, you will not be able to purchase Clearcover insurance. However, if you live in a state where Clearcover offers coverage, you can contact a Clearcover representative or get a quote online to find out how much you would pay for car insurance with the company. 

What types of coverage does Clearcover offer?

Clearcover offers most car insurance coverages you would expect, and the company also has some add-ons you may want to choose, depending on your needs and what would work best.

Clearcover’s coverage options include:

• Bodily injury liability. This coverage helps pay for damages associated with a person’s injuries if you’re at fault in an accident and they have been harmed. Bodily injury can extend to multiple people if more than one person is injured in an accident.
• Property damage liability. This coverage helps pay for a person’s car repairs if you damage their vehicle in an accident. Property damage liability will also cover a person’s property, such as a fence or railing if you damage it with your car.
• Collision. Collision car insurance coverage helps to pay for damage to your vehicle if you were in an accident. While liability helps pay for other people’s vehicles, it does not help you pay for your own. Collision coverage will cover your vehicle regardless of who is at fault. 
• Comprehensive. This coverage helps with damage to your vehicle if there is a non-accident incident, like inclement weather or vandalism. Comprehensive car insurance coverage also helps if your car is stolen.
• Personal injury protection (PIP). Personal injury protection insurance (PIP) coverage pays for medical bills if you or a passenger in your vehicle is injured in an accident. PIP applies regardless of fault and may help pay for funeral expenses, lost wages, and childcare. Find out more: What is personal injury protection (PIP) car insurance?
• Medical payments (MedPay). Medpay is similar to PIP but doesn’t extend quite as far. With MedPay coverage, your accident-related medical billswill be covered.
• Uninsured/underinsured motorist. This coverage helps to cover your injuries or property damage caused by another driver with no insurance, insufficient insurance, or a hit-and-run driver.
• . Some states require uninsured or underinsured motorist coverage.
• Rideshare insurance. Clearcover offers rideshare insurance for people who drive for companies like Uber and Lyft. If you offer rideshare services with your vehicle, Clearcover may be willing to offer you insurance. Unfortunately, Clearcover does not offer coverage for delivery personnel at this time. 
• Roadside assistance. Clearcover’s roadside assistance coverage helps if you’re stranded and need fuel services, lockout services, or flat tire repair. You can request roadside assistance with Clearcover straight from the company’s app. 

Depending on the coverage types you’re looking for, you may find that Clearcover has just what you need. First, you’ll need to determine whether the company offers coverage in your state. If it does, you can get a quote on the company website to see how much you would pay for coverage.

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Does Clearcover offer discounts on coverage?

Clearcover does offer a few discounts to its customers.

Some of the company’s most popular discount options include:

• Safe driver insurance discounts
• Paid-in-full discount
• Paperless discount
• Safety features discount
• Military and veterans auto insurance discounts (2022)

While other companies offer quotes without showing you the real amount you would pay, Clearcover incorporates discounts into its quotes. So, if you go to the company website and get a quote to see how much you would pay, a discount will be automatically added to your policy if you qualify for one.

Discounts can help people save up to 25% on car insurance coverage. If you believe you may qualify for a discount with Clearcover, you can go to the company website to get a quote and see how much you would pay.

With Clearcover, you can also download the mobile app and get a quote immediately. The company prides itself on offering quick and affordable quotes to help its potential customers make informed decisions. 

How much does Clearcover car insurance cost?

It’s impossible to know how much you will spend on car insurance with Clearcover until you get a quote. With Clearcover, certain factors, such as your age, ZIP code, and credit score, will likely impact how much you pay for coverage.

If you get a good quote with Clearcover, you should still shop online and compare that quote to other companies. Doing so will help you find the best coverage in your area and avoid paying too much for your car insurance. 

Teen Driver Rates with Clearcover

Clearcover is known for offering affordable rates. Still, the company’s teen driver rates are higher than the national average. 

Average Monthly Full Coverage Teenage Auto Insurance Rates for the Top Insurance Companies

Females pay $7,561 annually, or $631 per month, for car insurance with Clearcover. The national average is $414 per month. Similarly, teen males pay around $8,103, or $676 per month, while the same demographic pays a national average of $472 per month.

Clearcover teen driver rates are fairly high, and the company does not often allow teen drivers to take advantage of the same savings as others who are older and have been driving longer. 

Find out more: Best auto insurance for teenage drivers in 2022.

Adult Rates with Clearcover

If you’re a young adult driver, you can expect to pay a bit more for coverage with Clearcover compared to the national average.

Young adult female drivers pay around 6% more for car insurance with Clearcover than they do on average in the U.S. While the national average is $145 per month, Clearcover charges around $179.

Similarly, young adult male drivers pay nearly 5% more for coverage with Clearcover. The national average is $154, while Clearcover’s average is $189 per month. 

Many insurance companies tend to charge teens and young adults more for car insurance, and Clearcover looks to be no different in this regard. Some policyholders claim that rates are cheaper if a parent is on the policy, but there may be other options through the best auto insurance for young adults (2022).

Clearcover charges some adults more for coverage than the national average, with some women paying 7% higher rates and some men paying 5% higher rates for auto insurance. 

Annual Full Coverage Adult Auto Insurance Rates for the Top Insurance Companies

While the national average for women behind the wheel is $123 per month, Clearcover’s monthly average for women is $154. Clearcover also charges some adult males more for coverage. The national monthly rate is $124, but Clearcover charges $153.

If you’re an adult driver with a clean driving record, you should shop around and compare quotes to ensure you get the best deal on coverage. Don’t go with the first offer you get, or you could end up overpaying for your auto insurance. 

Senior Driver Rates with Clearcover

The cost of auto Insurance for Older Adults can vary depending on the provider. If you’re a senior driver, don’t expect to save much money with Clearcover. Senior drivers have some of the most expensive rates compared to the national average.

Average Monthly Full Coverage Auto Insurance Rates for Senior Drivers

Female drivers pay around 6% more for coverage with Clearcover. The average monthly rate for this demographic is $139, while the national average is $111. Similarly, senior men pay around 9% more for car insurance with Clearcover. Again, the national average is $114, while the average with Clearcover is $147.

Senior drivers often pay more for insurance because they are considered a risk, but you shouldn’t have to pay much more than the national average for coverage if you have a clean driving record. Compare quotes online to discover which companies might work best for you.

Clearcover Car Insurance Rates with a Speeding Ticket

Anyone with a speeding ticket on their record can expect to pay higher-than-average rates for car insurance. Clearcover charges this demographic more than the national average in many cases. 

Average Monthly Auto Insurance Rates for the Top Insurance Companies for Drivers with a Traffic Ticket

While the national average is $1,910.67, or $160 per month, Clearcover charges $201 per month. Companies like USAA, State Farm, and AAA typically offer cheaper rates for similar coverage. In some instances, Clearcover rates are cheaper than Geico’s and Progressive’s.

Find out more: Geico auto insurance review [2022] and Progressive auto insurance review for 2022.

Clearcover Car Insurance Rates After an Accident

People often wonder how car insurance rates change after an accident. You can expect your car insurance rates to increase if you’ve been in an at-fault accident. Clearcover rates are no exception to this rule.

Average Monthly Rates for the Top Insurance Companies for Drivers with an Accident

With Clearcover, you can expect to pay around $232 monthly, while the national average per month is $182. This is a 28% increase over the national average and is higher than what AAA, Allstate, and USAA typically charge.

You shouldn’t have to pay extremely high rates after one at-fault accident. However, if your rates increase with an insurance company, you can shop online to find cheaper quotes from another insurer. 

In many cases, Clearcover checks policyholders’ driving records every six months. If you’ve been in an accident, this could mean you’ll pay more for coverage earlier than you would if you were with another company. Keep this in mind as you shop for proper insurance. 

Clearcover Car Insurance Rates After a DUI

While auto insurance for drivers with a DUI typically costs a lot in car insurance, Clearcover doesn’t seem to charge as much as other providers.

Average Monthly Rates for the Top Insurance Companies for Drivers with a DUI

Clearcover’s insurance rates for people with a DUI on their record are around 2% higher than the national average at $222 per month. But Clearcover still has cheaper rates than Geico, Nationwide, Allstate, and AAA.

If you’ve been convicted of a DUI, find out how to get auto insurance after a DUI. Start by shopping around and comparing quotes from multiple providers. You may find that some companies charge much more than others because of your DUI. The only way to find a company that charges reasonable rates is to research quotes. 

Clearcover Car Insurance Rates for Drivers with Poor Credit

You may be surprised to learn your credit score can impact car insurance rates. Many insurers charge more for coverage if you have poor credit. Clearcover is no exception.

Average Monthly Full Coverage Auto Insurance Rates by Credit Rating

The national average for car insurance coverage for people with bad credit is $230 per month. Clearcover charges around $247. In most cases, this rate is higher than the rates provided by State Farm and Geico.

For more details, see buy cheap auto insurance for drivers with bad credit.

Liability-Only Car Insurance with Clearcover

If you’re just looking for liability coverage, you can save a good bit of money on your car insurance.

Average Monthly Minimum Coverage Rates for the Top Insurance Companies

Minimum coverage with Clearcover costs around $149 per month, while the national average is around $122. If you are searching for liability-only coverage, you need to seriously consider what you would do and need if you were ever in a car accident. 

While minimum coverage is cheaper than a full coverage policy, it does not offer the same peace of mind as a policy that includes collision and comprehensive insurance. If you drive a newer car, make payments on a vehicle, or drive a good bit every week, you should consider purchasing more than your state’s minimum coverage. 

Full Coverage Car Insurance with Clearcover

Full coverage auto insurance policies are not cheap, but they are helpful if you’re ever in an accident.

Average Monthly Full Coverage Rates for the Top Insurance Companies

Clearcover’s full coverage rates are generally around $172 monthly for someone with a good driving record and decent credit. Comparatively, the national average for a full coverage policy in the U.S. is only $136.

As you shop for a full coverage policy, compare multiple companies and quotes before making a final decision on coverage.

What other types of insurance does Clearcover offer?

Unfortunately, Clearcover only offers auto insurance. So if you’re looking for a pet, life, or health insurance, you’ll have to look elsewhere. 

Clearcover has partnered with Hippo Insurance to bring its policyholders options for homeowners insurance. Still, this option does not mean that Clearcover policyholders will be eligible for a discount on coverage for having multiple policies with the same company. 

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Clearcover Car Insurance

Clearcover may be a great option for you if you’re searching for car insurance. Clearcover offers most of the coverage you could need, and the company has great rates compared to other providers. 

Clearcover insurance claims are simple and easy, and customers can file claims and check the status of their claims straight from the company’s mobile app. Unfortunately, Clearcover only operates in 20 states, and the company has not been around long enough to be rated by the NAIC or J.D. Power.

Before you make any final decisions on coverage, compare quotes from multiple companies. This will help you learn which insurers offer the coverage you want and need at a price that works with your budget.

Car insurance companies have sold policies the same way for decades — you contact a representative and sign up for the amount of coverage you want on your car. The internet made the process faster and easier, but the premise is the same.

Clearcover is an insurance company that wants to bring car insurance into the future. Although Clearcover is younger than many other insurance companies, it’s made a big splash in the car coverage market by relying on technology.

Using AI-powered technology to keep staff to a minimum, Clearcover provides rates up to 32% cheaper than competitors. Clearcover auto insurance isn’t for everyone — people looking for a traditional experience should go elsewhere — but it might be right for customers who want cheap rates and a modern spin.

Changing the status quo can be good, but innovation is only worthwhile when it works. Read on to learn if Clearcover car insurance is right for you, then compare quotes with other companies to find the best rates.

What is Clearcover auto insurance?

Clearcover car insurance started in 2016 and focuses on providing affordable, hassle-free coverage. Clearcover focuses on generating quotes, resolving claims, and answering customer questions primarily through its app. Policies are underwritten by Fortegra and its subsidiaries Response Indemnity Company of California and Lyndon Southern.

Unfortunately, Clearcover isn’t available in every state. Currently, Clearcover only serves 20 states, though it will soon expand into Nevada and North Carolina and has plans for the rest of the U.S.

The main selling points of Clearcover are its speed, convenience, and low prices. Especially impressive is Clearcover’s claims process. While the average insurance company takes several weeks to resolve a claim, Clearcover can make payments in minutes.

What types of car insurance does Clearcover sell?

Each of the states Clearcover operates in requires a minimum amount of liability car insurance coverage. However, you can benefit from additional insurance to ensure your car is covered for any situation you find yourself in.

Although Clearcover uses AI for its insurance, it offers the same products as other companies. You can buy the following types of insurance from Clearcover:

• Liability. Liability covers damage you cause in an accident to people and property but does not cover your vehicle. Most states require liability insurance.
• Collision. Collision car insurance helps repair your car after an accident, no matter who is at fault. It also pays for repairs if you hit a stationary object, such as a tree.
• Comprehensive. There’s a lot more than accidents that can damage your vehicle. Comprehensive insurance helps pay for vandalism, theft, animal contact, fire, and weather damage.
• Uninsured/underinsured motorist. Although all of the states Clearcover serves require insurance, not all drivers follow the law. Uninsured motorist insurance protects you from drivers without enough coverage.
• Medical payments. Medical bills after an accident can get pricey quickly. Medical payments will help pay the expenses for you and your passengers.

While liability insurance is the cheapest option, you can add any of the other options to increase the protection on your car.

Does Clearcover car insurance offer add-ons?

Clearcover has three add-on options you can purchase to increase the value of your policy.

The first is alternative transportation, which is similar to the rental reimbursement add-ons of other companies. This add-on makes sure you have transportation when your car is stuck in the mechanic’s shop after a covered incident.

Rather than working exclusively for rental cars, Clearcover deposits money into your bank account that you can use any way you’d like. That includes renting a car, using a taxi or rideshare app, or carpooling with a friend.

Clearcover also offers roadside assistance. When you find yourself stranded due to mechanical or electrical problems, Clearcover will send help.

Finally, Clearcover offers an add-on for rideshare workers. Personal insurance doesn’t cover your car when you’re working, so you’ll need extra rideshare auto insurance coverage if you drive for apps like Uber or DoorDash. Whether you deliver passengers, food, or packages, Clearcover can keep you covered.

How much does Clearcover auto insurance cost?

Getting a quote online or through the Clearcover app is easy. All you need to provide is basic information about yourself, other drivers you want to add, and your car. However, Clearcover doesn’t post prices, so it’s difficult to compare.

You can get an idea of how much you might pay by looking at the average insurance price in the states Clearcover operates in.

Most people report Clearcover offers much cheaper rates than other companies, so you’ll probably pay less than the state average.

Does Clearcover insurance offer discounts?

Clearcover’s discounted prices are already considered good savings, but the company does have a few other ways to save. It doesn’t list available discounts outright, but a few are mentioned when filling out the online quote form.

• New customer. If you get a quote at least seven days before your policy begins, you’ll earn a 12% discount.
• Paid in full. You can save up to 15% if you pay for the entire six-month policy rather than make monthly payments.
• Military members. You can earn a military or veterans insurance discount if you are an active or retired military member or an eligible family member. Most states get a 15% discount, while Louisianans get 25%.

When you fill out your quote request form, Clearcover’s AI combs through your details to see what additional discounts you might be eligible for. If you think your quote is too high, you can always call the Clearcover insurance phone number and check with a representative.

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Clearcover Insurance Review

Clearcover wants to modernize car insurance, and it makes an impressive boast of paying out a claim in seven short minutes. It also promises cheaper rates than competitors.

However, a website can only promise you so much. One of the best ways to determine if a company is right for you is to look at Clearcover Insurance reviews.

Clearcover does very well with professional review companies. For its financial stability, A.M. Best ranks Clearcover an A+.

The Better Business Bureau (BBB) gives Clearcover an A+, but the company does have some complaints on the site. Most of the complaints involve the claims process. Although Clearcover might pay your claim within a few minutes, it could take months if you don’t provide the right information.

Other complaints include that Clearcover agents take a long time to return calls. There are also several issues with Clearcover making technical errors — such as failing to change cars on a policy — that lead to unnecessary expenses for the policyholder.

Since Clearcover keeps staff to a minimum, it doesn’t send an adjuster to review your car after an accident. Instead, you have to take photos of your vehicle and send them to Clearcover. This is one example of Clearcover focusing on using technology rather than people, and many customers simply do not like the process.

A final common complaint is that some customers must wait up to an hour before a representative will speak with them.

It’s not all bad news, though. Clearcover is a newer insurance company, but it’s already building a loyal fanbase. Most reviews are positive, with many saying Clearcover offers the best insurance they’ve ever had in their lives.

Other Clearcover reviews mention how much they love the mobile app and that customer service representatives are professional and kind.

Of course, the aspect that receives the most praise is the price. People express pure shock over how low prices are through Clearcover and state they can’t find rates that low anywhere else.

Find the Best Auto Insurance for Your Needs

If getting away from the traditional way of doing car insurance and saving money sounds like something you’d be interested in, Clearcover might be right for you. With low prices, a great mobile app, and plenty of options, Clearcover is a great modern option for today’s drivers.

Clearcover quotes are easy to get if you’re interested. However, you shouldn’t go with the first price you find — comparing quotes can save you a lot of money.

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