Clearcover Car Insurance Pricing 2026

Clearcover’s rates are cheaper than average for full coverage, and pricier for minimum coverage.

Clearcover has a handful of discounts to help you save even more on its already competitive pricing. Agents at Clearcover will apply any relative discounts to your policy automatically. The discounts include the following (keep in mind, discounts vary by state):

• Safe driving: Drivers who don’t get into accidents or receive tickets will get this discount.
• Continuous insurance: If you’ve consistently had auto insurance during your driving history, you’ll receive a discount from Clearcover.
• Defensive driver: Drivers who have finished a defensive driving course and fulfill their state’s eligibility criteria.
• Seat belt: Commit to having yourself and all passengers wear seat belts in any car and save on your premium.
• Vehicle safety features: When your car has known safety features like automatic braking, Clearcover will apply this discount.
• Driving experience: If you’ve been licensed for a certain number of years, you may be eligible for this discount.
• Electronic documents: By electing to get correspondence electronically, you help Clearcover save money, which it passes on to you.
• Paying upfront: Pay your policy upfront and receive a discount.
• Active military discount: Active military members can get a 15 percent discount on their policy premiums when they produce active military IDs. In Louisiana, this discount is 25 percent, and the children of active military members are eligible as well.

Rideshare Coverage

Those who drive for rideshare companies like Uber and Lyft can get coverage through Clearcover. This coverage is an endorsement to an existing personal auto insurance policy. As an endorsement, it covers you in case you are in an accident while working as a driver.

The rideshare company’s insurance has gaps that this additional coverage fills. For example, the rideshare company insurance might cover you only while a passenger is in the car, whereas Clearcover’s rideshare coverage will pay for damages while you are logged in to the app waiting for passenger notifications. Note that Clearcover’s rideshare endorsement does not cover delivery work for apps like DoorDash or Uber Eats.

Roadside Assistance

Clearcover offers roadside assistance as an add-on coverage through HONK. Customers can access this service 24/7, no matter where they are in the U.S. If you’ve signed up for this coverage, you can use your Clearcover app to request these services from roadside assistance:

• Towing
• Battery jumpstart
• Gas, oil, water, and supply delivery
• Tire change
• Lockout service
• Towing from entrapment in snow, mud, water, or sand within 10 feet of a highway or road

While you can’t transfer these benefits to a car not listed on your policy, it’s handy to have in case you run into car issues.

Alternate Transportation

Clearcover has upgraded rental car coverage with alternate transportation coverage, which allows you to choose how you will get around. For example, if you elect for $30/$900 coverage, you can use up to $30 per day for a rental car, carpool, rideshare, or public transportation, with a $900 cap while your vehicle is in the repair shop.

Allowing different modes of transportation in the coverage makes alternate transportation extremely flexible. Clearcover designs alternate transportation to meet your needs, whatever they are. It differs from standard rental car coverage in that rental car coverage only allows you to rent a car; it doesn’t offer alternative transportation options.

Clearcover is available in 19 states:

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

You may cancel a policy at any time with Clearcover. When you do, you will receive a prorated refund for the premium you have already paid. To cancel a policy, you can:

1. Chat with a customer advocate in the Clearcover app.
2. Call 855-444-1875.

Kyle Nakatsuji and Derek Brigham launched Clearcover in 2016. Nakatsuji is an insurance industry veteran who started the venture capital team at American Family Insurance. Brigham has more than 25 years of experience in insurance.

The two launched Clearcover with the purpose of getting consumers dramatically lower rates for insurance. They’ve achieved this purpose in two ways: improved technology and minimal marketing. The improved technology better uses data such as driver history, car details, and ZIP code averages to save drivers money. Additionally, by marketing to customers only during targeted windows such as renewals, Clearcover saves money, which translates into lower insurance rates.¹

Clearcover has received multiple awards. InsurTech Magazine listed Clearcover as one of the Top 10 InsurTech Platforms to Watch in 2022.² It also won awards in 2023 for Best Company Outlook 2023 and Best Engineering Teams from Comparably.³ And the Financial Technology Report touted the company as one of the Top 25 InsurTech Companies of 2024.⁴

Clearcover representatives are available via chat through https://support.clearcover.com/hc/en-us or the Clearcover app. Additionally, you may call customer service at 855-444-1875 for help getting a policy or servicing your current policy. Service hours are Monday through Friday, from 8 a.m. to 7 p.m. CT.

If you want to find low-cost car insurance companies, Clearcover is an excellent option. With a significant number of discounts and a new approach to auto insurance, it competes with more established insurance companies. While it’s not available in all states, it may be worth checking out if you live in a state where they provide policies. Learn more by reading our Clearcover car insurance review. Be sure to check out our FAQs so that you can better understand and shop for auto insurance.