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Clearcover vs AAA: Who has better car insurance?

Clearcover vs AAA

Founded in 2016, Clearcover has a clear and modern vision for low cost car insurance. The company is unique in that it keeps its business online as much as possible and sticks to basic coverage for lower-than-average premiums in a handful of states.

On the other side, AAA has been in business for over a century , serves all US states, and is known for making happy customers. AAA was rated 3rd by JD Power for its purchasing customer experience, and it provides travel and shopping perks as long as you have a membership.

The question of the day is which company works best for your insurance needs?

Clearcover

AAA

OVERVIEW

OVERVIEW
About the provider
About the brand Get instant online support and score a low rate thanks to online data that sets premiums automatically. Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
States served
States served AZ, CA, IL, LA, OH, TX, UT and WI AK, AZ, CA, MT, NV, UT and WY

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection No Yes
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance No
Yes
Claims methods
Claims methods online
email
phone
online
email
phone
Payment schedule
Payment schedule 6 months
Monthly
12 months
6 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes Yes, up to 37%
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes, up 27%
Paid in full discount
Paid in full discount No Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 20%
Special employment discount
Special employment discount No No
Student discount
Student discount No Yes, up to 14%
Usage based discount
Usage based discount No No
Learn more
Learn more

Alternatives to Clearcover and AAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Savvy
Savvy
Optional
Optional
Yes
All states & DC
Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Gabi
Optional
Optional
Yes
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
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Compare up to 4 providers

Bottom line

If you’re looking for experienced car insurance on top of member perks, AAA could be your pick. But drivers who just want low rates and basic coverage might lean toward Clearcover as their company of choice. Otherwise, you can compare how these two companies stack up to other providers that may meet your needs.

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