Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict
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At a glance
3.0
Rating: 3 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3 stars out of 5
3.0
Cost & ratings
Rating: 2.5 stars out of 5
2.5
Coverage
Rating: 3 stars out of 5
3.0
Support
Rating: 4 stars out of 5
4.0
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders who want a six-month car insurance policy and value a user-friendly digital experience might consider Clearcover as their company of choice.
Advertises low premiums
Only sells six-month car insurance policies; no renter, home or life insurance available
Uses AI technology to expedite claims payouts
Available in 20 states
Rideshare coverage available
Clearcover car insurance review
According to Bankrate’s analysis of Clearcover, drivers who want to save money on their car insurance premiums and who value a digital experience might consider Clearcover. On its website, the insurer advertises savings of up to $1,200 per year, but keep in mind that this will be different for everyone and savings are not guaranteed. Clearcover only writes six-month auto insurance policies, which may be well-suited for some drivers.
A relative newcomer to the insurance scene, Clearcover aims to use AI technology to streamline auto insurance and save customers money in the process. The company earned a 3.0 Bankrate Score for its auto coverage, which indicates that it offers an innovative product and has strong digital tools. However, its lack of availability in some states and absence of third-party ratings held it back from a higher Bankrate Score.
When it comes to car insurance coverage, Clearcover offers the typical options like bodily injury and property damage liability, comprehensive, collision, uninsured/underinsured motorist and personal injury protection. It offers a few types of optional coverage as well, including alternate transportation coverage, which covers the cost of renting a car, taking public transportation or using a rideshare app if your vehicle is in the shop. Rideshare coverage is also available.
Clearcover may be one of the best insurance companies if you are looking for a new and innovative carrier, but it is only available in 20 states. However, the company says it will be expanding into more states in the future.
Pros and cons of Clearcover car insurance
Clearcover may offer affordable car insurance options to tech-savvy policyholders. While it may be a good option for some drivers, it’s still worth considering the possible pros and cons of using Clearcover to insure your vehicle.
Pros
Advertises cheap rates
Easy-to-use digital app
AI technology may allow for faster claims payouts
Cons
Policyholders need a smartphone
Only available in 20 states
No policy bundling available
Clearcover customer satisfaction
Third-party ratings from organizations such as J.D. Power, AM Best and S&P can help potential policyholders gain more insight into how strong an insurance company is in terms of overall customer satisfaction and financial strength. Reviewing these ratings and rankings may help you to determine the best insurance company for your needs. Clearcover was not included in the J.D. Power 2023 U.S. Auto Insurance or U.S. Auto Claims Satisfaction studies. To gain a better sense of the company’s customer satisfaction, you may want to seek out firsthand customer reviews or speak to family and friends who are policyholders.
To note, the company is rated by AM Best as A- (Excellent), which indicates it has a strong track record of being able to meet its claims obligations.
Clearcover auto insurance customer complaints
Another way to gauge the experience you might have as a policyholder is to check an insurer’s complaint index with the National Association of Insurance Commissioners (NAIC). The NAIC records customer complaints filed against an insurance company and compares them to an average industry baseline of 1.00. This index indicates whether the insurance company has fewer or more customer complaints recorded than average, which could give you a better idea of the satisfaction of its customers.
The complaint index for Clearcover’s private passenger auto product is higher than average at 3.82, indicating that the company has nearly four times as many complaints expected for a company its size.
Clearcover car insurance cost
At Bankrate, we look at data from Quadrant Information Services to determine average rates. However, rate data for Clearcover is not available. That said, the average cost of car insurance nationwide is $2,542 per year for full coverage, according to Bankrate’s analysis. Minimum coverage car insurance costs $740 per year. This rounds out to about $1,271 for a six-month full coverage car insurance policy and $370 for minimum coverage. Keep in mind that Clearcover only writes six-month auto policies, so knowing the national average cost of a semi-annual policy can be a helpful benchmark.
It’s important to remember, though, that rates can vary significantly based on a number of factors personal to you like the make and model of your vehicle, your driving record and your ZIP code, in addition to other things. As such, it’s likely that your rate will differ from the average national cost of car insurance.
Clearcover car insurance discounts
Clearcover claims to bundle its discounts into its quotes automatically, eliminating the need for a long list of extra discounts you may need to ask an agent about. The website states that costs are lower for cars with certain vehicle safety features and drivers with clean driving records. The company also states that there are discounts for drivers who pay their premiums in full and agree to receive documents electronically. The company also offers a military discount for active members of the armed services, which is up to 25 percent in Louisiana and up to 15 percent in all other states.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Clearcover
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Clearcover with other insurers
It can be a challenge to find the right insurance company to fit your unique circumstances. If you're not sure that Clearcover is the right fit, it may be worth considering these alternatives:
Clearcover vs. Lemonade
Lemonade offers an easy-to-use app driven by artificial intelligence that allows you to manage your policy digitally. In addition to auto insurance, Lemonade offers home, renters, condo, pet and life insurance, making it more of a potential one-stop-shop than Clearcover. In addition, Lemonade is a Certified B Corporation, and the company's Giveback program donates excess premiums to charities of policyholders’ choice.
State Farm is the largest car insurance company by market share in the country and a well-known name in the insurance business. It offers a network of local agents who work one on one with policyholders, and it has an excellent reputation for top-notch customer service. In contrast, Clearcover relies on its digital experience almost exclusively. State Farm also offers a broader selection of insurance lines than Clearcover and is available nationwide.
Root may be worth a look as a choice for careful drivers. This insurance company requires all potential policyholders to complete a test drive via a mobile app in order to be offered an insurance quote. Your rates are based entirely on how well you drive, as tracked by Root’s advanced mobile app. Like Clearcover, it relies heavily on its digital experience, and it folds discounts into the premium cost as opposed to listing them separately. Unlike Clearcover, it offers home and renters insurance to drivers insured with Root car insurance.
Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Clearcover insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Is Clearcover a good insurance company?
Clearcover aims to improve industry processes through the use of technology and relies heavily on AI and its insurance app. If you'd prefer to manage your policy digitally, Clearcover insurance might be a good choice for you. The company earned a 3.0 Bankrate Score for its auto insurance, which indicates that it may be worth considering, although you’ll need to be comfortable managing your policy on your smartphone. If you are, Clearcover is likely worth a look. But, if you are more interested in having a designated agent to help you handle your policy, Clearcover may not be the best option. Plus, its high NAIC complaint index could be a red flag.
Its six-month policies may also be a deterrent for some drivers. Six-month policies, compared to annual ones, are reviewed more frequently by your insurance company, which gives them an opportunity to adjust your rate. For some drivers, this could be an excellent way to save some money. But for others, it could provide an opening for your insurance company to raise your rate more often.
What are real-life customers saying about Clearcover?
One of the best ways to get a read on an insurance company is to take a look at what actual policyholders have to say about it. To do so, Bankrate reviewed Clearcover insurance reviews from Reddit, an online discussion forum. Multiple users were satisfied with Clearcover car insurance rates, but the claims process was a pain point for many. The claims process, like the quote process, is extremely individualized — the outcome will depend on the specifics of an accident, what kind of coverage you have and the kind of vehicle you drive, to name just a few.
Reddit user 1
May 2, 2023
Clearcover is convenient and has reasonable...
“Clearcover is convenient and has reasonable rates but they find excuse after excuse not to pay your claim. My wife was involved in a hit and run which was not her fault and they refuse to pay the balance of $1,558.00 still owed to us. They had me take pictures of the damage and used them to come up with a very low estimate of the damage. We were told we could take the vehicle anywhere to be repaired so we went to the dealer. The dealer estimate was almost $2,600.00 higher than theirs. They claim the dealer replaced parts that were not necessary, which they did not, and they said they can tell this by pictures right. They also said the dealer's labor rate was too high and refused to pay but they do not tell you this up front. Stay away from Clearcover they do not care about their customers.”
“I have been using ClearCover for more than a year, and recently I had a hit and run incident with my car on a STOP sign. It was my first time to submit any claim, but since I had comprehensive coverage, I found the process at ClearCover pretty reasonable and fast. Even though the repair body shop messed up my car repair in the first round, Littleton (adjuster) were always responsive and they worked out all the supplementary details for the second round of repair. Overall, I also got 27 days worth of rental car expenses ($30/day), so I would highly recommend them! They saved me at least $100/month on premium alone ($1200/year).”
Clearcover is currently available in 20 states: AL, AZ, CA, GA, IL, IN, KY, LA, MD, MS, MO, NE, OH, OK, PA, TX, UT, VA, WV and WI.
Clearcover tools and benefits
Clearcover's highly rated app is central to its services, allowing you to contact support, file claims and access all your insurance documents.
It also has a unique initiative to help drivers save on maintenance. Car Care gives policyholders up to 40 percent off at more than 23,000 maintenance shops throughout the U.S. Using the Clearcover app, drivers can compare the prices for service at nearby shops and book appointments online instantly. Car Care also allows drivers to track auto maintenance and access a network of expert mechanics to troubleshoot common problems.
Car Care is currently only available in Arizona, Illinois, Indiana, Ohio, Pennsylvania and Utah, but Clearcover policyholders outside of those states may sign up for the wait list by emailing carecare@clearcover.com.
Frequently asked questions about Clearcover
Filing a claim is easy if you have the Clearcover app. Here's how to do it:
Open the Clearcover app and choose “File a Claim.”
Answer a few questions about your accident and upload pictures of the damage.
Track the progress of your claim on the app.
You can also file a claim by calling 855-444-1875. If you call, you should have your policy number available. The company says it pays most claims in less than a week, and simple claims may be paid the same day they are submitted.
Once you’ve filed a claim, Clearcover will review it and try to make a payment as quickly as possible. Its current self-claimed record for paying a claim is less than 10 minutes. To check the status of a claim, you can open the Clearcover app, open the Claims menu, and select the In Progress tab to see the latest information regarding your claim. Once your claim has been reviewed and processed, you can see its details in the Completed tab.
Clearcover gives back to the community through its "Inspired Underdogs" program, which offers $10,000 scholarships to collegiate athletes who have overcome obstacles with courage and tenacity.
Methodology
Bankrate Scores methodology
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
5
Rating: 5 stars out of 5
Overall Score
Cost & ratings50%
Coverage & savings30%
Support20%
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Clearcover
Clearcover has 25 reviews
Dive into community reviews below and see what others think about Clearcover.
4.2
25
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
76% of consumers recommend this insurer
Score breakdown
5 stars
44%
4 stars
32%
3 stars
20%
2 stars
4%
1 star
0%
Score by category
Overall rating4.2 / 5
Original cost3.6 / 5
Coverage3.7 / 5
Customer Support3.8 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Clearcover.
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They were cheaper than most
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They have been loyal to me so I’ve been loyal to them
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It’s a great insurance company that meets my needs and gives me exactly what I need for insurance.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They have extremely low rates and have always been there when I needed them.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
The cost of the insurance policies
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Rewards for costumers
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Realiable
How does this insurer compare to insurance companies you’ve had in the past?
Evaluate the premium price and any discounts available
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I chose this insurer for their competitive rates, comprehensive coverage, financial stability, and personalized service.
How does this insurer compare to insurance companies you’ve had in the past?
This insurer exceeds my past experiences with better rates, coverage, and customer service. They've met and surpassed my expectations with their personalized approach and ease of claims process.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The price of it
How does this insurer compare to insurance companies you’ve had in the past?
It's basically the same
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
This insurer compares really good with my expectations when buying insurance because the price of it isnt to expensive and is a very good price that i can afford
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would stay with this insurer because of the cost and the safety and protection that it gives and i would not leave for a different company
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They are much nicer than expected and since this is my first one they are very helpful and i feel like they don’t try to scam me
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Okay prices and friendly staff
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It’s been very good and I feel covered and confident
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I recommend staying because it’s good and keeps me sane
Insurance Type
Auto
Score by category
Original cost1/ 5
Customer Support1/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They have superior customer sevice
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
