Clearcover vs AAA: Who has better car insurance?

Clearcover vs AAA

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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 Find basic coverage and low rates through its easy online or app-based experience. Member benefits extend beyond car insurance to offer discounts, bike coverage and more.
States served
States served AZ, CA, IL, UT All 50 states
User satisfaction
User satisfaction 5 stars 5 stars
JD Power ratings
JD Power ratings 5 stars 5 stars

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
Accident forgiveness Yes No
SR-22 insurance
SR-22 insurance
Claims methods
Claims methods online
email
phone
online
email
phone
Payment schedule
Payment schedule monthly
12 months
6 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount No Yes
Home owner discount
Home owner discount No 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 Depends on provider 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
Other discounts
Other discounts Seat belt use
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
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

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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