Our top pick: Metromile
- Score cheaper than average rates
- Enjoy online tools and app for quotes, claims and policy management
- Choose from basic coverage options for a smooth experience
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Clearcover vs Elephant: Who has better car insurance?
Both are online insurers with easy quotes, though Clearcover is more limited in locations
Guides
Vehicle Guides
Need Financing?
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Clearcover and Elephant have a similar, online-based mindset, which translates into lower-than-average premiums if you’re in their service areas. Clearcover sticks to standard coverage in a handful of states and is known for an easy claims process. Elephant covers a few more states than that while tossing in a variety of discounts, especially its steep multicar discount.
So which of these online-based insurance companies fit your car’s coverage needs?
The winner: Clearcover car insurance
Both are startups offering great online experiences for tech-savvy customers, but Clearcover takes the slight edge for its rates and coverage. Cleaercover offers more car insurance discounts and slightly wider coverage, including rideshare coverage for Uber and Lyft drivers.
While both are only available in a limited number of states, Clearcover is available in California and Texas, which have the most drivers in the US. Clearcover has also been expanding, adding a new state to its umbrella every 6 to 12 months, which is great for availability and suggests a stable, growing company.
Clearcover vs Elephant car insurance features
|
|
|
|---|---|
| Get instant online support and score a low rate thanks to online data that sets premiums automatically. | Get a great deal online with steep discounts and some of the highest liability limits available. |
| AZ, CA, IL, LA, OH, TX, UT and WI | IL, IN, MD, TN, TX, VA |
| Optional | Optional |
| No | No |
| No | No |
| Yes | No |
| No |
Yes |
| online phone |
online phone |
| 6 months Monthly |
monthly |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | No |
| Yes | Yes |
| No | Yes |
| Yes | Yes |
| Yes | Yes |
| No | Yes - work from home |
| No | Yes |
| No | No |
|
|
|
Compare alternatives to Clearcover and Elephant
Bottom line
Everyday drivers looking for a no-fuss, no-frills insurance policy might opt for a Clearcover quote. As close competition, Elephant deals business online in much the same way, but you may get the best deal here with multiple cars. Whether here or elsewhere, looking at multiple providers is a sure way to know you’re getting the best coverage and value possible.
More guides on Finder
-
Best umbrella insurance
Receive extra liability coverage with an umbrella policy from these top insurers, though they may require you to have car insurance through them.
-
Electric vehicles in 2021: How new models, insurance rates and tax breaks affect their cost to own
See average EV insurance rates for 2021 based on Finder’s car model research, plus new models on the horizon.
-
How does a VIN affect car insurance?
Learn how insurance companies use identifying info from your VIN to set rates.
-
Compare full coverage vs. liability car insurance
Which type of car insurance policy fits your car and driving needs?
-
Car insurance for drivers 25 to 40 years old
Take advantage of the lowest minimum coverage rates by earning all the discounts you can.
-
Heacock Classic car insurance review April 2021
Insure your classic car or race car at agreed value with Heacock Classic, but you’ll have to look elsewhere if you have recent claims or major violations.
-
Say car insurance review Apr 2021
Offers a transparent look at your premiums and rewards renewal with a better insurance score.
-
Compare bus conversion insurance
Find and qualify for the right type of policy when living in a skoolie.
-
PetsBest pet insurance review Apr 2021
Choose from accident-only to illness and routine care coverage, with value-added extras like vet direct pay.