Why choose Clearcover Insurance?
- Transparency: Licensed agents can help ensure you never pay more than you should.
- Convenience: Make payments, request roadside assistance, and file a claim right in their award-winning mobile app.
- Service: Clearcover’s average claim is paid in less than 3 days.
Did you know...?
- You can change insurance companies any time (no need to wait for your term to end).
- Tens of thousands of customers have switched to Clearcover from carriers like GEICO, Progressive, and USAA.
- Clearcover has been featured in: Forbes, Inc, and USA Today for its commitment to transparent pricing.
- Customer Service: 855-444-1875
- Claims: 855-444-1875
- Clearcover, P.O. Box A3386 Chicago, IL 60690
- [email protected]
Featured in Forbes, USA Today, and Inc. for their commitment to transparency, Clearcover empowers customers by ensuring you don’t overpay for insurance or pay for coverage you don’t need. With an in-house team of licensed agents and a powerful, award-winning mobile app, Clearcover makes everything from getting roadside assistance to filing a claim fast and efficient—whether you prefer to handle things yourself or speak to someone for support.
Clearcover is based on a simple idea: When you cut operating costs, you can offer cheaper car insurance. By focusing on the essentials, using artificial intelligence (AI) to issue quotes and directing customers to its app to file claims, Clearcover runs a lean operation.
But that doesn’t mean they treat you like just another number! Clearcover’s also known for friendly customer service and rapid response times. Sometimes, they say, they even pay claims in as little as one day.
In short, Clearcover is for people who want to save money and want their car insurance experience to be as easy as possible.
But is it the best choice for you and your vehicle? Read on to find out.
|Clearsurance||3.6/5 – 30 reviews|
|Trustpilot||3/5 – 90 reviews|
Clearcover generally earns average-to-good ratings from customers. On Clearsurance (a respected insurance ratings site that’s not related to Clearcover), people say they like the company’s low prices and easy-to-use app.
The Better Business Bureau gives Clearcover an A+, which reflects a positive assessment of the company’s business practices and responsiveness to complaints.
On Trustpilot, a reviews site, some customers criticize Clearcover’s use of third-party claims adjusters and say they had a hard time reaching the company by phone.
The company is well-liked by its employees, who give it highly positive reviews on Glassdoor. They were also included in Inc. Magazine’s annual list of the Best Workplaces for 2020.
How much does Clearcover cost?
Intrigued by Clearcover’s promises of low prices and a simple claims process? You’re probably wondering how much Clearcover insurance actually costs. Like other car insurance companies, Clearcover bases its premiums on several factors, including your gender, age, driving history, credit score (in most states), and other metrics. Then, they use those factors to assign you to a risk pool — a group of drivers similar to you.
If you want a general idea of how much Clearcover costs, see the chart of average state premiums we’ve compiled below.
|State||Single Car||Multi Car|
Averages aren’t as helpful as a personalized quote, of course! To see how much you’ll pay for Clearcover insurance and compare it to quotes from other top insurers in your area, simply enter your ZIP code.
See how Clearcover stacks up against more than 60 top insurers
How much can I save?
Unlike traditional car insurance companies, Clearcover doesn’t identify specific discounts when you’re getting a quote. They’re automatically built into the price, the company says.
However, we do know that they give customers many of the same discounts other insurers offer — they just don’t say it out loud. Some savings you may be eligible for include:
|Military Discount||Active military personnel receive a 15% discount; in Louisiana, customers who are on active duty get an additional 25% off, as do their children who are under the age of 25.|
|Vehicle Safety Features Discount||You can save on insurance if your car has features like anti-lock brakes, adaptive headlights, or electronic stability control.|
|Safe Driving Discount||Save big when you have a clean driving record.|
|Pay Upfront Discount||Pay your 6-month premium in full and you’ll get a discount.|
|Electronic Policy Discount||Willing to skip paper document mailings? You’ll save on insurance.|
Where does Clearcover offer coverage?
Because they are a young company, they don’t provide nationwide coverage just yet. As of 2022, Clearcover insures drivers in 20 states — Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia, and Wisconsin, with plans to expand to other states like North Carolina and Nevada soon.
Is Clearcover right for me?
Now that you have an idea of how much you’ll pay and how the company operates, you may be wondering, “Is Clearcover the best carrier for me?”
That depends on what you’re looking for in an insurance company, and the type of person you are. You might like Clearcover if:
- You have a good driving record and want to pay less for insurance.
- You’re tech-savvy and comfortable using an app to interact with your insurer.
- You like the flexibility Clearcover provides. For instance, instead of rental car reimbursement, they offer Alternate Transportation. This means if your car’s in the shop, you get money to pay for whatever transportation you choose: bus fare, Lyft/Uber, etc.
Not sure if it’s the best fit? To find a car insurance policy that’s perfectly matched to your needs, compare quotes from more than 60 of the country’s top providers. Enter your ZIP code to begin!
Compare Clearcover against the top insurers in the nation
What else do they offer?
Because Clearcover is a startup, it doesn’t offer the extra insurance types (such as home and renter’s insurance) that larger insurers do. It does, however, offer:
How do I file a claim with Clearcover?
Most claims are filed in the app, which is designed to make the claims process as simple as possible. Enter some basic information, snap pictures of the damage/scene with your phone, and you’re done. Then, a representative will call you to hash out the details and answer your questions.
How do I access my insurance information and ID card?
Clearcover does almost everything in its app. You’ll find your ID card on the Home screen — and the Quick View ID Card function lets you view it even if you don’t have a phone signal. You can’t access your policy from a computer, however; only on the phone.
Does Clearcover cover rental cars?
How do I cancel my Clearcover policy?
You may know Clearcover from…
Co-Founder and CEO Kyle Nakatsuji
They don’t spend money on TV commercials or splashy marketing — the company deliberately avoids all that in order to focus on its core operations. The public face of the company is its CEO, Kyle Nakatsuji, who often speaks about entrepreneurship, risk and startup culture.