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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.

Clearcover insurance review 2024

Updated Feb 16, 2024

At a glance

3.0
Rating: 3 stars out of 5
Bankrate Score
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Auto

Rating: 3 stars out of 5

3.0

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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

About Bankrate Score

Policyholders who want to save money on their car insurance and value a user-friendly digital experience might consider Clearcover as their company of choice.

Drivers who want a strong digital experience from their insurance company may enjoy working with Clearcover for their insurance needs.

Clearcover car insurance

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 find it useful to consider Clearcover.

A relative newcomer to the insurance scene, Clearcover uses AI technology to streamline auto insurance tasks 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 less-than-national availability and its lack of third-party scores held it back from a higher Bankrate Score.

When it comes to car insurance coverage, Clearcover offers the typical options, including liability, comprehensive, collision, uninsured and underinsured motorist and medical/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.

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
  • Discount opportunities available

  • Robust digital app

  • Claims typically paid quickly

Cons
  • Policyholders need a smartphone

  • Only available in 20 states

  • No policy bundling available

Clearcover car insurance cost

Average rate data for Clearcover is not available. However, the average cost of car insurance nationwide is $2,545 per year for full coverage, according to Bankrate’s analysis of average premium data from Quadrant Information Services. The average cost of minimum coverage car insurance is $741 per year. This may give you a baseline if you decide to get a quote from Clearcover.

It’s important to remember, though, that rates can vary significantly based on a number of personal factors, like the make and model of your vehicle, your driving record and your ZIP code, in addition to other factors. 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 premium quotes automatically. 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 premium in full and agree to receive documents electronically. The company does offer 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.

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Clearcover home insurance

Clearcover sells only car insurance, but it partners with Hippo Insurance to offer homeowners insurance. Hippo, like Clearcover, offers a primarily app-based insurance experience, with several discounts available to bring premium costs down. You can get a free online quote with Hippo if you wish to start the process of purchasing a policy.

Note, however, that your home insurance would be with Hippo, not Clearcover. There is no bundling discount, and all matters pertaining to your homeowners insurance will be handled by Hippo.

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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.
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Insurance Disclosure

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.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
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100% of homes
need insurance before getting a mortgage
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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 that policyholders can choose to support.

Learn more: Lemonade insurance review

Clearcover vs. State Farm

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.

Learn more: State Farm insurance review

Clearcover vs. Root

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.

Learn more: Root Insurance review

Is Clearcover a good insurance company?

Clearcover aims to improve on 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 might be a good choice for you. The company earned a 3.5 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.

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. By reviewing these ratings and rankings, it may help you to determine the best insurance company options for your needs. Clearcover was not included in the J.D. Power customer satisfaction rankings for 2023. To gain a better sense of the company’s customer satisfaction, you may want to seek out other customer reviews or speak to family and friends that are policyholders.

The customer is rated by AM Best as an A- (Excellent) which does indicate it has a strong track record of being able to meet its claims obligations.

Clearcover customer complaints

Another way to gauge the experience you might have as a policyholder is to check an insurer’s complaint index score with the National Association of Insurance Commissioners (NAIC). The NAIC records customer complaints and compares them to an average industry baseline of 1.0 to indicate whether the insurance company has fewer or more customer complaints recorded than average. This could give you a better idea of how satisfied its customers are.

Clearcover auto complaints

The complaint index for Clearcover’s private passenger auto product is higher than average at 3.14 indicating that the company has had roughly three times as many complaints as you’d expect based on its size.

Other Clearcover tools and benefits

Clearcover's highly-rated app is central to its services, allowing you to access 24/7 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.

CarCar is currently only available in Ohio, Pennsylvania, Arizona and Utah, but Clearcover hopes to expand the program to more states in the future.

Frequently asked questions about Clearcover

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Methodology

Bankrate Scores methodology

Our 2023 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.

Like our previous Bankrate Scores, 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. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 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 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.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

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Written by
TJ Porter
Contributor, Personal Finance

TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance.  TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by Senior Editor, Insurance