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Clearcover vs Elephant: Who has better car insurance?

Both are online insurers with easy quotes, though Clearcover is more limited in locations

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
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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




About the provider
About the brand 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.
States served
States served AZ, CA, GA, IL, IN, LA, MD, MO, NE, OH, OK, PA, TX, UT, VA & WI IL, IN, MD, TN, TX, VA


Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No No
Accident forgiveness
Accident forgiveness No No
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance No Yes
Claims methods
Claims methods online
Payment schedule
Payment schedule 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
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes
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
Special employment discount
Special employment discount No Yes - work from home
Student discount
Student discount No Yes
Usage based discount
Usage based discount No No
Learn more
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Compare alternatives to Clearcover and Elephant

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

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.

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