Clearcover Car Insurance Pricing 2022

Clearcover is a cheap auto insurance carrier, landing as one of our top five least expensive auto insurance carriers when comparing average annual costs. The average annual rate from Clearcover is $1,119. Remember that your personal rate will be contingent on where you live, the type of car you drive, your age, and your driving history. Additionally, whether or not you get minimum coverage or full coverage affects your rate, among other factors.

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:

• Safe driving: Drivers who don’t get into accidents or receive tickets will get this discount.
• Vehicle safety features: When your car has known safety features like automatic braking, Clearcover will apply 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.

Inexpensive Policies

Clearcover offers lower-than-average pricing for auto insurance. Its pricing helps make insurance affordable to more drivers. In our research, only Erie, Root, and Metromile had cheaper insurance rates.

Six-Month Auto Policies

Many big auto insurance carriers sell auto policies with 12-month terms. Clearcover sells policies on a six-month basis, which means the company reviews and re-rates the policies after six months. Good drivers can become eligible for better rates sooner with six-month policies.

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.

SR-22 Documentation

An SR-22 is a certificate of financial responsibility that shows that you have the state’s minimum coverage to cover damages and injuries from at-fault accidents. Common scenarios where you might need an SR-22 include driving without insurance or getting a DUI ticket. If you need an SR-22, you will likely pay more for insurance.

Not every insurance carrier offers SR-22 insurance for high-risk drivers. However, if you need an SR-22, Clearcover can file it for you and provide the coverage that you need.

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 22 states:

• Alabama
• Arizona
• California
• Georgia
• Illinois
• Indiana
• Kentucky
• Louisiana
• Maryland
• Mississippi
• Missouri
• Nebraska
• Nevada
• North Carolina
• Oklahoma
• Ohio
• Pennsylvania
• 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 rates¹.

Clearcover has received multiple awards. The Tech Tribune touted the company as one of the 2022 Best Startups in Illinois². And InsurTech Magazine lists Clearcover as one of the Top 10 InsurTech Platforms to Watch in 2022³.

Clearcover representatives are available via chat through https://clearcover.com/contact/ 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 9 p.m. CT and Saturday and Sunday from 8 a.m. to 6:30 p.m. CT.

If you want to find low-cost car insurance companies, Clearcover is an excellent option. It takes a new approach to auto insurance to compete with more established insurance companies. 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.