How Much Does Clearcover Car Insurance Cost?

Choosing a car insurance provider can feel overwhelming. If you're considering Clearcover, understanding its pricing structure will help you determine if it's the right fit. We recommend collecting quotes from several providers to ensure you're finding the best deal if you want to save money on your car insurance.

Clearcover car insurance pricing per month

Full-coverage car insurance from Clearcover averages $206 per month. Drivers who choose minimum liability-only coverage typically pay $149.

Keep in mind these are average figures. Your individual rate will depend on factors like your age, where you live, your credit score, and your driving history. While your actual Clearcover rate may be different, these averages provide a useful benchmark when shopping around.

	Clearcover average monthly cost	National average monthly cost
Full coverage	$206	$186
Liability-only	$149	$104

Clearcover's rates versus other car insurance providers

Each company has its own approach to evaluating risk and offering discounts, which means pricing can differ significantly. Comparing quotes will show you where Clearcover lands for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Clearcover	$206	$149

Clearcover's rates by age

Age plays a major role in Clearcover's pricing model, as it does with most insurers. Car insurance for teen drivers runs the highest, averaging $314 per month for full coverage.

Rates generally decrease as you enter your 20s, where Clearcover averages $218 monthly. Costs continue falling through your 30s at an average of $213 and your 40s at $214.

The lowest premiums usually occur for drivers in their 50s and 60s, with averages of $199 and $183 per month.

Once you reach your 70s, rates tend to increase again to around $196 monthly. This pattern reflects how risk is assessed across different life stages.

Age group	Clearcover average monthly full coverage cost	National average monthly cost
Teens	$314	$360
20s	$218	$242
30s	$213	$199
40s	$214	$191
50s	$199	$177
60s	$183	$159
70s	$196	$162

Clearcover's rates for high-risk drivers

A record that includes traffic violations or accidents will push your Clearcover rates higher. High-risk drivers with a speeding ticket face average monthly costs of $279, while an at-fault accident brings the average to $337.

DUI convictions result in particularly steep premiums, with monthly costs averaging $305. These averages reflect standard pricing for high-risk situations, though your actual rate will vary based on when the incident occurred and other personal rating factors.

Driving record	Clearcover average monthly full coverage cost	National average monthly cost
Accident	$337	$249
Speeding ticket	$279	$241
DUI	$305	$275

How does your credit score affect your rate with Clearcover?

Your credit score factors into insurance pricing in all but four states. California, Hawaii, Massachusetts, and Michigan prohibit this practice.

Where credit-based pricing is allowed, Clearcover adjusts premiums according to your credit tier. Those with excellent credit average $173 monthly, while good credit drivers pay around $203.

Drivers with average credit see monthly premiums near $219. Poor credit pushes the average to approximately $252 per month.

These figures demonstrate how significantly credit can impact your premium, though your final rate will also reflect other individual characteristics.

Credit score	Clearcover average monthly cost of full coverage	National average monthly cost
Excellent	$173	$164
Good	$203	$179
Average	$219	$194
Poor	$252	$228

FAQs

How does Clearcover's six-month policy term affect my rates?

Unlike many major car insurance carriers that offer 12-month policies, Clearcover exclusively sells policies on a six-month basis, which means the company reviews and re-rates your coverage every six months. This shorter policy structure could work in your favor if you're a safe driver, as you might become eligible for better rates sooner than with annual policies. Your specific rate changes will depend heavily on your driving record, location, and Clearcover's risk assessment during each renewal period.

Why doesn't Clearcover offer traditional insurance discounts?

Clearcover takes a fundamentally different approach to pricing by embedding savings directly into your initial quote rather than applying traditional discounts for safe driving, multiple vehicles, or paperless billing after the fact. The company uses algorithms and proprietary software to analyze your driver history, vehicle details, and ZIP code to calculate competitive rates from the start. The primary exception is their military discount, offering 15% off in most states and 25% off in Louisiana for active duty service members, plus good student discounts in select states for drivers under 25 who maintain strong grades.

What makes Clearcover's Alternate Transportation coverage different from rental car coverage?

Clearcover's Alternate Transportation coverage represents a more flexible option compared to standard rental reimbursement from traditional insurers. Instead of limiting you to rental car expenses only, Clearcover provides cash payouts up to your daily limit that you can spend on whatever transportation works best for your situation, whether that's rental cars, rideshare, or public transportation.

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Bottom line

Is Clearcover the right car insurance company for you? The best way to find out is to get quotes from this company as well as others and compare them based on price and service.

Data throughout provided by Insurify.

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