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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?




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, GA, IL, IN, LA, MD, MO, NE, OH, OK, PA, TX, UT, VA & WI AK, AZ, CA, MT, NV, UT and WY


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 Yes
SR-22 insurance
SR-22 insurance No Yes
Claims methods
Claims methods online
Payment schedule
Payment schedule 6 months
12 months
6 months


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
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
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
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.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

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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